Home financing ever possible? Probably not!

The Left wants to return to the bosom of Wiliy Brandt... the AfD wants to go even further back.

But that doesn't work and anyone who claims it does is lying.

More and more people worldwide are achieving prosperity and are craving resources. Increasingly complex technology craves more and more resources.

The fat years are over, at least for a large part of society, unfortunately. Let's hope that the industry stays with us, otherwise things look very bleak.

: Regarding the financial situation, you only wrote €5,200 net. That is practically no statement at all. As a banker, I say: six, sit down and take tutoring.

So, the following questions have been asked here and none have been answered yet:
- Financial situation = income vs. expenses
- Asset situation = what equity do you have available
- Desired scenario = what kind of house do you want to have, which you allegedly cannot finance

Since unfortunately you provide nothing except "politics is ultimately to blame that I cannot finance my dream house," no one can help you.

For such cases, there is the "Cry it out forum." In the house building forum, you need to provide some information and not just complain.

So I haven't received any equity as a gift....

I currently hope that my house purchase project will still end well. (525k, 1000m2+ plots, single-family house built in 2020)

Right now it looks better again :)

Oh yes, as a small worker until age 36 I saved up 200k+..
Stock market and high savings rate + simple lifestyle.
43k annual gross income...

I met my wife on 21.03.2016.
First semester of medical school, later married in 2018 and had a child in 2020.

Now, with her degree, we can build or buy.

As long as no one addresses the arguments, no one has to fear discussing the topic ;-)

which arguments? Something like

Well, 40/50 years ago it was possible to buy a home with a middle-class family without any problems. Today that is no longer the case. For the reasons I described.

Or

In the southern European countries, the homeownership rate is also much higher, which also has to do with the fact that people there simply have more every month.

1. Back then, people roughly took out 10 times their annual salary to build their house. At 8 or 9% interest. Nowadays people take out about 10 times their annual salary, at 1 or 4% interest. ;) 2. Southern Europeans have different priorities and needs. They are proud of their house even if it only has 70 sqm of living space, was built without heating, and the plaster will only be applied in 5 years when the nephew has time for it again. Or do you mean your phrases?

driven into ruin

risk of poverty

decent cash from mom and dad

to protect money from devaluation.

whose pension I am currently paying for

grabbed someone else’s house

Of course I can afford something

Then do it. And stop the kindergarten.

but everything is simply unaffordable.

How are normal people supposed to ever be able to pay such prices? From my point of view this is impossible,

Kindergarten babble: with your secure salaries, a lot is possible.

I want the state to leave more money to the people,

You can’t get enough, can you? Belong to the well-off and complain about everything. You lick your wounds and stubbornly hold on to the propaganda that politics is to blame for your personal misery. Luckily, 99% here seem to think like adults and take their own fate into their own hands.

But there are no concrete issues being voted on. In our system, it is such that you choose parties, who then decide (and in the end, it does not matter how they decide, because as a citizen you simply have no influence on that, except again four years later). And since most people only vote for what they know (even if it is not good, they vote for it again – humans are creatures of habit).

In my opinion, one difficulty for voters is that parties nowadays, for reasons I do not know, pursue "asymmetric" policies. Red/Green introduced Hartz IV, which would rather be attributed to the conservatives, but they probably would not have gotten away with it because there would have been protests from Red/Green, unions, etc. (By the way, I found the previous system with unemployment benefit and then (lifelong?) unemployment assistance fairer, but it does not affect me and has never affected me, except with regard to my compassion for my fellow human beings with and without a migration background.) The conservatives, on the other hand, did something that would rather be red/green policy: in 2015, they opened/did not close the borders for everyone, regardless of the person, which would not have been possible for Red/Green without causing protests. Regardless of where one politically "positions" oneself, under these circumstances, in my opinion, it is difficult to decide on a party. Apart from that, I actually believed our Minister of Construction that she would have 400,000 apartments built per year to ease the housing shortage.

One difficulty for voters, in my estimation, is that parties nowadays, for reasons I don't know, engage in "asymmetric" politics. (...)

That's what happens when parties are confronted with realities. Schröder had to change something because the old model of unemployment benefits was no longer affordable. The CDU had to open the borders, otherwise there would have been a humanitarian catastrophe in the middle of Europe. The Greens now also have to throw ideology overboard, buy fracking gas, keep nuclear power plants running longer, ramp up coal plants... This is called realpolitik.