Construction costs are currently skyrocketing

We have been offered 3.21% for 20 years... 69% loan-to-value ratio...

Am I missing something or does the argument "No problem, inflation will also eat away the debt" only hold if salaries keep pace with inflation? My boss, bless his little heart, still refuses to compensate for inflation and even at the company where my husband works, 2% is currently being discussed as a maximum because short-time work is also an issue there. We definitely feel the price increases in our wallets.

In the short term, that will be the case. With us, there’s no salary jump matching inflation either, especially not net. But in the long run, it will adjust. Goods and services can only get more expensive if there are enough buyers who can afford it ;)

Depends. I had calculated because of the high delivery costs (€112.50 net) whether it would be worthwhile to drive with a trailer. But that would have been 29 trips and with current fuel prices I would have lost money.

Of course, I would also have deliveries made for larger quantities. It’s also the time you spend. Driving there, weighing, loading, weighing + paying, driving back. Even if the gravel plant is fairly close, you sink at least half an hour per round.
But in this case, it was about 400 kilos which were picked up personally. I find €20 quite expensive then.

This is the crucial futures market for gas in Europe. Contracts can be concluded for specific delivery times. The short-term contracts, meaning for the next few months, have just gone up by 40%. This will be reflected in the coming days and weeks. It will probably soon be covered in the media.

Thanks for the explanation. Then I probably just ordered the gas at the right time. Unfortunately, we are dependent on it – like so many households... now paying almost three times as much as two years ago; two months ago, it would have been 4.5 times as much.

It always depends on the financing. For us, it was important to find a bank that would go into the second rank. That was not easy, because others wanted much higher interest rates. Back then, MBS did not offer this for 20 years.

That is of course unfortunate. For us, ING was in the first rank with a small residual debt for the land. But since they also offered the best conditions, it was simple.

I pay the gross amount here even when picking up myself. But these are probably big city prices for me. In the countryside, you basically get it for free, right?

...
As always, one year later you can easily make jokes...

What does "Sprüche reißen" mean here?
In my opinion, no crystal ball is needed to estimate that interest rates cannot stay low forever.
That is why we secured 1.1% for the entire 17-year term in September 2021, but we only borrowed "340k".