Home financing ever possible? Probably not!

what I don’t quite understand about you is that you are talking about exorbitant interest rates. The generation of your parents had interest rates of 6-8%. According to you, it was easier to build back then. So why don’t you inherit a property? And the houses that are auctioned off can also be bought. These are individual fates. Sometimes undeserved, often not. I wish that on no one. You have already read from some of them. You can afford property.

And the houses that are auctioned off can also be bought. They are individual fates. Sometimes through no fault of their own, often not.
I wish that on no one.

Me neither, but I also don't understand his argument as to why one shouldn't bid in a foreclosure auction.
The house IS already in foreclosure. You don't help the unfortunate owners if no one bids and the price stays low. If you approach it morally, you should actually bid, so they can get rid of as much of their debt as possible.

Someone always has to be to blame when things don’t go according to plan. Apart from that, I still have to pay rent when I’m retired. Who knows what the rental market will look like then....

We won’t be finished by retirement either. But how am I supposed to know what will happen in 25 years? Until then, my financing is fixed. I live in a wonderful house and we have the luxury of having a garden. The payment today is like rent for a small terraced house.

Maybe I’ll have to sell in 25 years or earlier, yes, I’m aware of that. But the 25 years I live there will have been lived. And hopefully nice. And maybe sometimes you just have to take a risk. Maybe I’ll want to sell then too, who knows now....

A friend bought her semi-detached house twelve years ago, which was ten years old, for under 100k. It would be worth about 300k now. They pay 500€ monthly installment. And shamelessly, they even received a [Lastenzuschuss] from the government for a while with their four children. Really unfair, right?? I have several examples like this here, but so what? You have to be able to be generous too. That also makes you satisfied

I'm a bit jealous that the colleague with a lower rate was able to afford "more" house, simply because he was about a year ahead and the interest rates looked different back then. But ultimately... we had actually considered a townhouse from the start (also with lower interest rates) and so I really don't have to pine after a house that I never really wanted anyway ;) In the end, it's all a bit more financially uncomfortable than we originally imagined, but as long as it works for us, you just shouldn't compare yourself to others.

Instead of complaining, many things can be done oneself. One can work more to build more wealth. And NO, the savings sock is not a good investment. And YES, you only become "rich" if you do more than the majority of the rest of the population. One can also engage politically to change the type of politics. If you do not gain majorities, it is the case in a democracy that you have to submit to the will of the majority. By the way, in our democracy, no distinction is made between "good" and "bad" voter will.

And again yes, I also find the asylum and immigration policy to be wrong. Likewise the energy policy and the electrification of mobility. Obviously, however, the majority of the German population has a different view, so I accept that. I also think that action should be taken, especially against the real waste of tax money. And here I by no means see social policy, but rather the slimming down of the administration, the ways of awarding contracts, and the design of the contracts at the very forefront. After that, we can continue the conversation.

To make it clear: Your manner and the content of your argument meet with complete incomprehension and aversion from me. Quibbling with which you try to partly conceal racist content disgusts me and is rejected by me.