Fundamental questions about financing

I meant, is the €195 the price to be paid in the surrounding area?

I think these are two different discussions.

1) Doesn’t everyone determine their own individual price they are willing to pay for something? Can we even form a judgment about this given the limited information about the person (credit situation, attitude to life and value creation), the environment, the location and local conditions?

2) If there is only one new building plot in a town and demand is very high, can you then expect a bank to start a lottery procedure to decide who gets the plot? Surely it is the demand that determines the price and the way to decide to whom the plot is awarded? Who is selling? A bank! What interests does a bank pursue? Moreover, we don’t even know how the bank came into possession of the plot to be able to judge why it links the sale to additional revenues from the commission, and usually commission payments are for the bank’s broker, so it can hardly be assumed that the bank wants to make a change, but rather to have its own efforts honored and possibly this is simply the reason why it took on the sale of the plot.

Certainly, the interest rate difference to the best conditions available on the market seems significant, but if it were only about that, then you would have to denounce completely different banks and question their business practices.

I consider it inappropriate to talk about being fooled here, also to cite prices from 20 years ago, and ultimately the bank will say no one forces it to buy the plot and unfortunately it is right.

Not nice, considering one’s own interests, but unfortunately we also have to consider and look at the interests of the bank if we want to discuss this unfortunate and annoying situation for the original poster in an objective way.

In our village, the infrastructure is good: Various grocery stores, elementary school, comprehensive school, enough kindergartens, train connection to Hamburg, my wife can bike or walk to work, mother lives in the village, father in the next one. In the surrounding area, there is a planned development area with building possibilities in the next 3-5 years, price 125€. One village further, there is still a plot in a new development area, price 100€. In both villages, there is no infrastructure: shopping and schools are in my village (distance 5-7km)

Maybe another car needed?

Do you want, can, and should children be spared a longer commute to school?

Local sports club? Can everything be reached by bicycle?