Did we have too many concerns about the financing?

The BAV has a guaranteed interest rate + bonuses if you retire after 63. Currently, the employer pays in €27, soon €90, and from next year €98.

Exemplary! Everything very well thought out and calculated, of course with a good financial base. Just one personal remark: For retirement provision, you have expenses of 0 EUR listed. I would conclude something there in the future.

In general, I also wonder how all average earners (even if both work) can afford a property (especially detached) near metropolitan areas. Considering that in the 80s/90s it was usually enough if only one parent had a "normal job," and you could still afford the detached house. Perhaps today's demands around the property have grown bigger. There always has to be a car for each family member, vacations three times a year, etc..

I just can't wrap my head around it either...
Parents-in-law built a 300 sqm place in the same village back then... only one earner, a car each, vacation with flights every year...
Of course, they helped with the construction themselves....
But is that really the only saving with which you can afford that only one person works?
And the interest rate was much higher back then, right?!

I just can't wrap my head around it either...
Parents-in-law back then built a 300 sqm house in the same village... only one earner, everyone had a car, a vacation with a flight every year...
sure, they helped build it themselves...
But is that supposed to be the only saving that makes it possible for only one person to work now?
Then interest rates were also much higher?!

Yes, interest rates were higher, BUT the prices for plots of land were much lower. Only a fraction of what they cost today. Much more important, however, is that money was worth more back then, during the DM era.

Just think, for example, about the fuel prices. Additionally, the hourly rates for tradespeople were only a fraction of today's, as were electricity prices, property taxes, and so on and so forth... All consumption costs were lower.

If I could choose, I would gladly take the 6-8% interest rates from back then again along with the corresponding prices.

Today's interest market ensures that prices are what they are and that it is not enough for only one person to work.

Much more important, however, is that money was worth more back in the DM days.

The DM days are at least 20 years ago. In 1990, money was also worth less than in 1970, and the whining about the DM is slowly but surely sounding like the "back then after the war, bread only cost 4 Pfennig" of the old grandmothers from my childhood. Some things get more expensive, others cheaper. And the fact that you also get much more money in your account than 20 years ago is conveniently overlooked.