Construction costs are currently skyrocketing

I agree with you. However, it could be lowered in the other federal states as well. That would also be fair. ;-)

I fully agree with you! :)

Nope. The special repayment is already included. But this is actually about construction costs ;)

a) it belongs to this in a broader sense, b) you came up with that and c) I would like to explain the structure transparently d) you write at the beginning, instead of money into special repayment now into building savings and now special repayment + building savings… Maybe it will help future builders… In the past the general tenor was that you can’t build without a building savings contract, more recently this has changed!

a) that is generally included, b) you came up with that, and c) I would have liked to explain the structure transparently, d) you write at the beginning, instead of money into special repayment now into Bausparer and now special repayment + Bausparer… Maybe it will help future home builders…

In the past, the general tenor was that you cannot build without a Bausparer, recently that has changed!

Misunderstanding: I meant special payments into the Bausparer, instead of special repayments into the annuity loan. I expressed myself incorrectly there. Mea culpa! We do not pay over €3000 every month in total for loan repayment and Bausparer, but there will be annual special payments into the Bausparer when it fits, e.g. after tax refunds. I think I have already explained our structure thoroughly and transparently. I do not want to publish more details about my personal financial situation here. I ask for your understanding. The Bausparer was certainly unattractive recently because of the low interest rates on mortgage loans. That will surely change again now. Ultimately, you are only wiser at the end and know whether you chose the right strategy. For now, you can only try to find the financing strategy that is optimal for your personal situation and circumstances. What makes sense for one person may be nonsensical for another.

Until then, I hope and believe that the home improvement market will come under considerable pressure and prices will normalize a bit more

So that you can start building your house? ;) Prices won't change quickly, if at all. The price spiral usually only goes in one direction. This applies to all industries.

So that you can start building your house? ;)
Prices won’t change much anytime soon, if at all. The price spiral usually only goes in one direction. That applies to all industries.

That sounds a lot like all those stock market pub talks around 2001. ;)

I think, however, that this won't continue for long. I'm not a financial expert, but so far mortgage rates have always followed the key interest rate. This has now decoupled.

Mortgage rates are of course influenced by key interest rates, yes, but not only by them. Take a look:

July 2012
ECB lowers key interest rate below 1% for the first time
Mortgage rates (10Y) in the range of 2.6 - 2.8%

November 2013
ECB lowers key interest rate to 0.25%
Mortgage rates (10Y) in the range of 2.4%

In autumn 2014 the key interest rate was lowered to about 0% (0.05%).
In autumn 2014 the European QE program (bond purchases) also started.
After that, interest rates only went down, until bottoming out last year (10Y around 0.5% and the like).

What is happening now is that the ECB has to follow the FED, i.e. raise interest rates and especially end QE (stop bond purchases up to shrinking the balance sheet). That causes a jump at first, yes, but especially due to the ended QE. The key interest rates themselves are still far from normal or correlating with mortgage rates.
In addition, there is inflationary pressure especially due to energy prices as a result of the Ukraine war.