Home financing ever possible? Probably not!

Of course everyone knows when their personal fixed interest period expires, but no one can know if the base rate will keep rising. From these perspectives, many people should not buy at all, but they do anyway. As I said, for many there will be a rude awakening next year with their home, and many people will have to say goodbye to it (I am shocked that this is not a topic here and is denied in the forum)

I am also a supporter of the distinction between an intrinsic value (which changes only slowly) and the price, which constantly fluctuates. But when both diverge too much, then you don’t benefit from buying. Let your neighbor sink 300k, you’ve saved that and can continue renting cheaply

You only read and understand what you want to read. A few posts earlier, it was already explained to you that the interest rate increase for the upcoming expiring fixed interest periods is not an issue because a) the borrowers financed exactly at the interest rate from 10 years ago and b) their follow-up financing will be much lower because they have been paying off for over 10 years. How much equity have you saved up in the last 5 years or did I overlook that?

From that perspective, completely right!
But the reason why people want to buy homes is ultimately just a matter of feeling and not rational.
It's just something different than renting.
Many see it differently, and I don’t find it bad at all if someone WANTS to rent.

Then you indulge in a luxury and have to pay accordingly. Rent would have been quite acceptable for me, but not at Konstanz prices. That would still have been much cheaper than Konstanz purchase prices.