Financing comparison: past vs. today

In 2000, it was not common to be a housewife and for everyone in the village to build their own house. That was not standard even in 2000. But in 2000, a lot was still built through one’s own efforts. Also, in terms of lifestyle, many of the things I listed were still considered luxury in the village in 2000.

: Always the rant that women used to stay at home and not work. This is purely a West German phenomenon combined with outdated values. In other threads, we have already discussed enough why many older people can no longer properly maintain their houses and these slowly but surely decay. Honestly, I feel sorry for the women who back then had the luxury of not having to work. Because today, many of them hardly have a pension themselves and are completely dependent on their spouses, who often do not have even 2,000 euros in pension and have not made private provisions because money was so tight.

Let's say there were maybe villages where that was the case. But I also lived in a village from '91 to '94 and we had hot water 24/7 and didn't have to heat with wood. And that wasn't a luxury, at least it didn't feel like it to me. We also had a horse stable next door and correspondingly flies in the summer. However, when I first moved alone into an apartment in the city in '97, the underfloor heating was already perceived as a luxury. It was powered by electricity, though, so correspondingly expensive and rarely on.

In 2000, it was no longer the case that everyone was a housewife and everyone in the village built their own house. That was not the standard even in 2000.
But in 2000, a lot was still built through personal effort. Also, many aspects of the lifestyle I mentioned were still considered luxury in villages in 2000.

I believe the main problem is that in my original post I mixed figures from 2000 with figures from 10-20 years before, which now results in some facts being confused... That is, of course, somewhat annoying. In 2000, the housewife rate was certainly no longer as high as in 1980, but the houses were probably already considerably smaller.

In the past, the mother stayed at home and therefore brought home 0.0 income (at least that was the case in my childhood for 80% of my friends/parents).

Tell me, what was it like with you or your family in the past? Prager91… born in '91???
“Back then” my parents built a house in 1978: without inheritance, financed hard with the life insurance. My mother’s pension was paid out and from it the kitchen was paid for. From the age of 8 I was a latchkey kid because my mother also earned money. My father did tax work for others in the evenings on the side so that money came into the house. A few years ago, when my father was 75, the house was finally paid off.
there was nothing like “>30% repayment”

When I read the numbers here, I occasionally get dizzy. But what strikes me is that many people here (consistently in all threads) talk about €5000 - €6000 net monthly income. To me, that sounds like mostly high and top earners are hanging around here. Is that so, or am I looking at it the wrong way?

That is rather new as well - since last year. One or two years earlier, you could still find plenty of threads here where people wanted to start construction projects in affordable areas with "low" incomes of around €3500 - €4000.

That is of course logical, and also a reason for this 1980s, 2000s and the most expensive of today - discussion. Due to the low interest rates and the construction boom, land prices have exploded - their share of the project has increased very strongly. Building used to be easier because land was obtainable.

Due to the increased capital costs, construction costs & land costs, many potential buyers and those willing to build have simply fallen through the cracks, inheritances notwithstanding - whoever brings the €300,000 inheritance may perhaps buy the hot air with it and be allowed to play along, but the installment of €2500+ for the due €500,000 loan must still be managed. Nothing works with a €4000 household income..