Funding outside of KFW - What still makes sense now?

Man man man, wir leben mittlerweile in einer Gesellschaft die von Neid zerfressen ist.

I don't think anyone is jealous of someone who builds a fancy brick double garage. Maybe annoyed if people complain that they didn't get any more monetary gifts and are jealous of those who still managed to get them.. ;)

After reading in the other thread that 1.2 million is being planned here... the saved double garage is probably more of a small gain. Even a 40k subsidy doesn't make a decisive difference. The problem here is more likely the insanely expensive land that takes the air out of building.

I don’t think anyone is jealous of someone who builds a fancy brick double garage. But maybe annoyed when people complain that they didn’t get any more money gifts and are jealous of those who still managed to get some.. ;)

Sorry, but I don’t understand your point at all... The OP neither complained nor talked about money worries. He just asked if there is something that everyone else can also get.

The problem here is probably the ridiculously expensive plot of land that takes away the room to build

How can you speak of “ridiculously expensive” if you don’t know where the plot is located? We pay about the same for our municipal plot (for which the prices were luckily fixed many years ago and have not been adjusted since), but in an area where plots on the open market sell immediately even for 1500 euros/sqm. So without knowing whether the plot is in the middle of nowhere or, for example, in a suburb of Munich (sorry if I just missed that), you really can’t call it ridiculously expensive.

But aside from that, I would also recommend scaling down the house and, for example, giving up the double garage. Especially with three children, it makes sense not to overextend yourself with the monthly payment, because there is usually less potential for savings and inflation has even more impact. However, if you do have more than enough financial resources, then please just ignore this tip.

By the way, we are also planning without subsidies. In our area, there would be something regional, but they currently have no clerks to handle the applications. That’s too risky for us, because by the time we get any feedback (probably in a few months), interest rates will have probably risen again so much that despite the subsidy we would ultimately pay more.

Man man man, we now live in a society eaten up by envy.

I haven’t been in this forum for long, but I’ve already noticed that there is generally a lot of resentment here and people immediately try to put you down. “You sold your house way too cheaply.” “That will never work with your income/budget.” “You’d better give up right away, because in a few months there won’t be any building materials left anyway.” If you are used to mostly English-speaking forums, you literally feel overwhelmed here by all the negativity.

How can you talk about "sinfully expensive" when you don't know where the property is located?

Location only has a moderate influence on the residential value, and that has a strongly diminishing marginal utility. In my opinion, plots for 500k and more are fundamentally overpriced, no matter where they are located. Especially when you then have to start looking for tens of thousands in the house. Of course, you can play along with that game if you want. As for me, I do not.

Location has only a moderate influence on the living value and it has a strongly diminishing marginal utility. In my opinion, plots of land for 500k and more are fundamentally overpriced, no matter where they are located. Especially when you then have to start looking for tens of thousands in the house. Of course, you can play along if you want. For my part, I don't do that.

I see that completely differently. I prefer to live in a smaller and simpler house in a dream location rather than in a larger and better-equipped house in a suboptimal location. The former clearly brings me much more quality of life. If you feel differently, that is absolutely fine. But for the majority of real estate buyers, location is the be-all and end-all, which is why, for example, a tiny house at Lake Starnberg will always be worth many times more than a palace in an unattractive area.