Construction financing - How will it change in the future?

And what do you think those people do who study until the end of their 20s and only then can start working.

What they do I can tell you: Save, spend money, or something in between. An empty statement

Let's say the end of the 20s is specifically 28 years old. Pay off 2 years of Bafög debt until 30, then there are 37 years left until retirement. That fits. But not if you need expensive cars and fancy vacations for several years and don't save.

What they do I can tell you: save, spend money or something in between. An empty statement

Let's say late 20s would be specifically 28 years old. Paying off 2 years of Bafög debt until 30, then 37 years remain until retirement. That fits. But not if you need expensive cars and luxurious vacations for several years and don't save.

To be clear again: They then started at around 20 and thus studied for 16 semesters. They may also be so well educated that they end up in higher paying jobs with which one can pay off a mortgage in 15-20 years.

then 37 years remain until retirement

Sure, but a lot of equity is then out of the question.

ending up in better-paid jobs with which you can pay off a mortgage in 15-20 years

Say that to an assistant doctor and/or someone in the public service, e.g. a police officer. They’ll laugh at you with their "better" pay.

once to a junior doctor

ok, doctors are mostly also in public service, since the hospital is operated by the district. but you know what I mean.

Well, the police officer usually finishes at 21 or 22 and not at 30. Just like almost everyone in the upper service. Even people in the higher service with a law degree come to the office at around 26-28 with A 13. And law is known to be one of the subjects that take a very long time to study. Anyone who is still a student at 30 and has not worked normally before was probably very fond of being a student.

but you know what I mean.

That a detached single-family house as a new building is a fundamental right? Certainly not, you literally have to earn it or be able to afford it.