Construction costs are currently skyrocketing

...
1. a good amount of money is always earned with the follow-up financings.
2. the bank does not want to complete the property at its own risk and then sell/rent it out. This is always the last resort even in the insolvency of a contractor (keyword: self-administration).
3. when selling a partially completed property, the bank will only be able to recover a significantly smaller portion of the loan funds already disbursed.
...

The property – or whatever part of it is finished – does not go to the bank, but rather to a forced auction.

If there were no last minute,
nothing would ever be finished.
(Mark Twain)

If there were no last euro,
no house would ever be finished.
(Schimi1791)

Back to the topic. Who has recently tried to order larger quantities of vinyl flooring and has already heard of delivery difficulties here as well? And have prices also changed here?

Not to offend anyone, but if I have to take out a loan just to meet the equity ratio, I personally would never build. That’s self-deception and, in my opinion, can only go wrong. Unless you have an inheritance in sight or something similar. Otherwise, never do it....

That wouldn’t be my thing either. But think about the highly qualified people who either only recently have high incomes after a long education path or have always lived lavishly (expensive leasing, many long-distance trips) and are now in their late 30s, want children, and need space for that. That all exists and is generally always difficult to say. It also feels like more and more people are inheriting.

No matter what the specific reasons are in individual cases – the air is getting noticeably thinner again, and even people who jumped on the train early threaten to fall behind. The number of buyers (due to lack of means = money, income) continues to decrease, interest rates rise, costs as well. This will have effects on the supply side (new and existing)...

Honestly, my perception is completely different. The gap continues to widen, yes. But are there no longer people with money in their pockets? I find it completely the other way around. Yes, the hairdresser married to the painter has it tough, but the middle class still has money and loans are cheap.

Back to the topic. Who has recently tried to order large quantities of vinyl flooring and has also heard of delivery difficulties here? And have prices changed here as well?

Not myself, but I heard the same a few days ago from an acquaintance, yes. 10% increase and 8 weeks delivery time.

Honestly, my perception is completely different. The gap is widening, yes. But are there no more people with money in their pockets? I find it completely the opposite. Yes, the hairdresser with the painter husband has it hard, but the middle class still has money and loans are cheap.

...just look at the kinds of projects being presented here in the floor plan forums.
In recent weeks, I have the impression that only small houses with 200 - 250 sqm are being presented.
Maybe a very subjective impression.

We are certainly in a bubble here. The [Flair 131] is rarely discussed here, and the clientele perhaps also frequent forums about house building less.