Home financing ever possible? Probably not!

I notice the following again in the discussion here... It is nice and good when calculations are made here showing how much one can save with a heat pump, photovoltaic system, and electric car, etc., thanks to subsidies, surcharges, etc., and showing that all of this is great. The only thing that can be derived from the current perspective(!), however, is the insight that "to those who have, more will be given" apparently holds true. Because the very, very large majority of the German population cannot simply afford a photovoltaic system with everything included or an electric car. Many never afford a new car at all because it is financially not possible. Currently, the energy transition will not work this way, because it is good that good alternatives to combustion engines and gas heating exist, but it does not really help if people, even if they want to, often simply cannot bear the acquisition costs. Something has to be done somehow, because otherwise, regarding climate change, it will remain a drop on the overheated planet, and the gap between rich and poor will be further widened.

Many people never buy a new car at all because it’s not financially feasible.

But it was different even 15 years ago. I drove very old clunkers for years, and either they quickly fell apart or failed the TÜV inspection. You couldn’t lose much money on those cars either (if it cost 1500 and you still got 1000 for scrap value), but you get older and eventually dealing with registration gets annoying.
At some point, I bought myself an A1, brand new, and even picked it up myself at the factory with a great experience. I think I paid 18k for it, drove it for over 11 years, never had any issues with it. And as of today, I could probably sell it again for 5-7k. That comes down to a depreciation of about €84 per month. I always thought it was a good example that new cars don’t have to be inherently uneconomical if you just drive them long enough yourself.

I notice the following again in the discussion here... It is all well and good when calculations are shown here on how much you can save with heat pumps, photovoltaics, and electric cars etc. thanks to subsidies, levies, etc. and it is pointed out that all of this is great.

That is simply the target group in a house-building forum.

"to those who have, more will be given" apparently is true.

And: Those who have, take even more.

and the gap between rich and poor is further widened.

Yes, exactly why I have already said that by now I consider bans to be fairer than subsidies and sanctions.
Because the "rich" simply buy their way out again and again and the "poor" are left behind.
If everyone drives 120, that is fair, if everyone no longer heats with fossil fuels, that is fair.
Support should then be given (at least with free loans) to those who need it.

That is simply the target group in a house-building forum. And: Those who have, take even more. Yes, that's exactly why I have already said that I now consider bans fairer than subsidies and sanctions. Because the "rich" always just buy their way out and the "poor" are left behind. It's fair if everyone drives 120 km/h, it's fair if no one heats with fossil fuels anymore. Support should then be given (at least with interest-free loans) to those who need it.

very nasty and truly sick way of thinking. There are people without hands and feet. They can't drive a car. Fair would be if none of us drove a car anymore.

Take a look at the Tesla Y. It seems to have more space than it appears (it also has a small trunk in the front).

It is huge, drives cool and economical (just under 17KWh per 100km at about 110km/h). I am currently in Paris for the weekend with it (MY SR). Stopped twice on the way for charging, each time about 30 minutes.

VW says from 32,000, Tesla from 47,000, minus 4,500 subsidy and probably another subsidy from Tesla. Whether you get the remaining difference through tax, inspection, and consumption savings? You have to calculate that specifically

You cannot seriously compare a VW for 32K and the MY. Not at all. Completely different categories