Construction financing - How will it change in the future?

I started working at 18 and my wife at 16. Generally, many factors play a role here. We are rather frugal (consumption does not make us "happy" in general). We don't place much value on cars. Vacations in expensive hotel resorts are pretty much the last kind of holiday I want to take. I'd rather lie on the couch at home . What we've experienced on cheap backpacker trips in Asia I wouldn't trade for any luxury vacation in the world. As strange as it sounds. The money somehow accumulated on the side. At 27 I had saved about €60,000 and my wife around €50,000. We still needed a loan of €200,000 with a current income of €5,200.

I started working at 18 and my wife at 16. Generally, many factors play a role. We are rather frugal (consumption does not make us "happy" in general). We don't place much value on cars. Holidays in expensive hotel resorts are pretty much the last kind of vacation I want to take. I'd rather lie at home on the couch ????. What we have already experienced on cheap backpacking trips in Asia I wouldn’t trade for any luxury vacation in the world. Strange as it may sound. The money somehow accumulated on the side. At 27 I had saved about €60,000 and my wife around €50,000. As a loan, we still needed €200,000 now with a current income of €5,200.

Two full-time salaries over 20 years