Construction costs are currently skyrocketing

We have/had strict rules for local models. 15 years residence, max €70,000 gross Hamburg income (+€5k per child), max €120,000 equity, no existing property, building obligation after 2 years and 20 years binding period. Proofs through 3 EST notices, account overview, bank confirmation of transactions over €10,000 in the last 12 months.

In our neighboring town, the equity requirement was not regulated in the same way, but it was stated that you could only have a household income of x or you would get points for it. As a result, students (!) whose earnings were indeed low before the application year and who now, of course, earn well, as well as families where the mother (yes yes, it can also be the father) was on parental leave at the time and the household income was therefore low, are now being accommodated there. We dual earners with a child in planning did not get a chance.

We have/had strict rules for local models. 15 years of residence, max €70K gross Hamburg income (+€5k per child), max €120K equity, no existing property, building obligation after 2 years and 20 years binding period.
Proofs by 3 income tax assessments, account overview, bank confirmation for transactions over €10K in the last 12 months.

Crazy, with such rules in our region not a single house would be built anymore. 50% probably already exceed the income limit but with “only” €120k equity you might get 100 sqm of land with some luck. Then high six-figure loans would have to be taken out for building, which in turn is hardly repayable within a lifetime on incomes under €100k.
A topsy-turvy world, one might say.

In our neighboring town, the equity requirement wasn’t regulated that way, but it was stated that one may only have a household income of x or points are awarded for it.
As a result, students (!) whose income in the year before the application was indeed low and who of course now earn well, and families where the mother (yes yes, it can also be the father) was on parental leave at that time and therefore the household income was low… are building there now.
We dual earners planning for a child didn’t get a chance.

Yes, here too, they are all single earners with 2-3 children without working women, otherwise the limits don’t work.
Most still got a 500-650 loan despite average income because of the low interest rate. That would be impossible now.

One more thing about costs... I was browsing through the customer magazine of the [Stadtwerke] earlier. Two articles in a row about prices, and both prepare the customers for the fact that the [Stadtwerke] expect a doubling of prices for end customers in the medium term. And of course a significant increase for electricity.

But of course, you can give them enough negative points so that they don't get in anymore.

Yes, exactly, this is also quite common with municipal plots around Munich. The more equity you have, the fewer points you get. However, usually the status at the time of application counts. So if you inherit 500k after submitting the questionnaire, you won't have points deducted retroactively.

But despite these allocation guidelines, the plots are highly sought after. My brother-in-law was told upon inquiry that you definitely have to be married and have at least two, preferably three children to even have the slightest chance. Although he and his wife grew up in that town, have very little equity (but earn very well), and the plots really weren't cheap, they only ended up in 39th place. A total of 4 plots were awarded, and that's probably it again for the next few years.