Defensive offer, or have house prices become so expensive?

  • Erstellt am 2022-01-06 14:07:54

Myrna_Loy

2022-01-07 09:25:21
  • #1
Plus investment gains. I know some people in our environment who have made so much profit from stocks in the last five years that they have practically paid for their houses in cash. Good salaries, lived frugally, and invested wisely. And no children.
 

Nida35a

2022-01-07 09:34:56
  • #2

Money alone doesn't make you happy, you have to buy a house with it,
and realize gains.
A number on paper doesn't change life, but a house turns everything upside down.
So , sell high,
build new, and be happy at the same time.
 

BackSteinGotik

2022-01-07 09:49:49
  • #3


I know, you believe in eternal growth, there have never been cycles, no crises either, and whether a house becomes €70,000 or €100,000 more expensive per year doesn’t matter either. ;)
A “bidding process” gives you a price, but whether it is the highest possible, you don’t know.

The problem is the bubble bias – many people here have extremely extraordinary salaries (and thus the play money for stocks or coins). For ‘normal’ people it looks different. And it’s about that mass alone. And a 140m² house nowhere near anywhere, 40 km out in the sticks, is simply not the primary destination for high earners. And that will be necessary if the price, as you claim, should at least cover new construction. The new project is shooting up close to €600,000. The previous project was at €450,000. You already have to convince the bank that there is a new value in that size order. Or else bring equity alone for the hot air -> €100,000 + normal equity.

To get the loan, you need a lot of equity and income. And whether 10 years fixed interest are currently that smart?
 

guckuck2

2022-01-07 10:01:27
  • #4
I don’t believe in eternal growth and the other accusations you make here. But I do believe in the here and now: a fixed price expectation, almost lowballed, unnecessarily shrinks Kati’s assets. The best way to the best price (from the seller’s perspective) is the bidding process. Whether the poor buyer overstretches themselves, or where the money comes from, is their problem. You can of course have fundamental discussions on a meta-level, no question, but this unfortunately does not affect Kati’s real situation at all. She has recently found that the new build is unexpectedly becoming more expensive, even though she had already anticipated price increases. The (at least) same effect applies to the value of her current property. Why buy new at a high price and sell cheap? Then she loses twice.
 

Pinkiponk

2022-01-07 10:06:57
  • #5

Smart hint that I had never thought of before. But emotionally, it still feels different to me. If I sell a house again, I will probably do it in a way that excludes bidding processes in both directions. That seems fairest and least stressful for everyone involved.
 

Pinkiponk

2022-01-07 10:09:16
  • #6
 

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