many many thanks for your kind words. I completely understand that there are also negative reactions to my feelings (that's probably how I would be myself if I were to read something like that). Whatever the response, I thank each and every one for taking the time to read, give tips, and reply. Every answer helps me a little bit. I am glad that so many want to help me here in the forum (that is not a given).
yes, currently low at least compared to the usual local rents. For 4 people, we would probably have to move, yes. In that case, I would have tried to get a larger cooperative apartment in the neighborhood (with 100m2 it would cost about 1,100-1,200 cold, 1,500 warm). But that would be 800-900 euros less and I would have the freedom of renting (since cooperatives have low increases, no termination for own use, etc.) But I see, I drift off, I want to praise everything current very well again and criticize everything new. In the long run, buying is better, I clearly see that too. But what if the place is only worth half in 10 years and I have to/want to sell. I'm drifting off again :( Rents will probably rise about as much as in recent years, right? If I "had to" rent now due to enlargement and that on the free market, then buying would actually be nonsense, as the free market sometimes charges 13-16 euros per m2 for any condition.
yes, that is basically my attitude towards life. Living in the NOW, enjoying life to the fullest (especially family life, career interests me less nowadays). Maybe I'm exactly afraid of that, that I won't be able to do that in the future because of higher costs? Although that's total nonsense too. It's about 1,300 euros more in the future. I already put "relatively" easily 1,000-1,300 into my stock portfolio, 100 into a building savings contract, and save additional money in the account (without special payments, which make up a considerable part, about 12,000 euros per year).
yes, very good location for me, new development area, adjacent to fields and forest, rail connection in town, mid-elevation location. I had the same attitude as you and set limits for myself when I started intensive searching 3 years ago. It started with a conversation with my father: Dad, my place must not cost more than 350,000 euros, otherwise I have to live differently than now. One year later it was 500,000 euros because there was nothing, 2 years later 600,000, 3 years later 700k (salary has of course developed along with it). I somewhat regret setting those limits back then because I was rather security-oriented. If I had set them higher, the price would have been different (but I couldn't foresee how my salary would develop). And I always wanted a house, my wife always said a flat was enough for her, she didn’t want a house. And now I’m the one whining, terrible.
many thanks, I will do that.
A few more words (maybe the reasons run deeper): I have always been a person, when I reflect on myself, who was sad when something passed by. Really sad and for a longer time. Whether it was youth camp, vacation, mourning the old times (when my little one was still 2, etc.). Sometimes I want to stop time when it is just like I always want it to be, but unfortunately that’s not possible. I think I am simply a brutally sensitive person with a brutally hard shell and tend to swallow things rather than communicate openly. Sometimes it’s totally pointless things. Back then, quitting the old job, I was worried that I wouldn’t see the janitor anymore with whom I always joked (wtf?). Maybe it’s the same here now; I’m already mourning the "beautiful" moments in our surroundings/apartment and that comes all at once because a way out seems inevitable. Do you understand what I mean? Stop time, child small, family young, parents fit, and that’s my wish sometimes for the next 100 years.