Home financing ever possible? Probably not!

Your first sentence is pretty confusing or my brain isn’t fully switched on yet. So what now, 400K debt or paying rent when you’re retired? I thought most home buyers/builders are done paying off their loans by retirement and then only pay the usual additional costs/maintenance costs etc.?
Get your story straight...

You can see it however you want, either you’re still paying installments when you’re already retired, or many start paying rent again precisely then because they don’t feel like taking care of a 200 sqm house and doing all that nonsense themselves at 70. Then they remember that at 40 they should have spent their time and money on something else instead of paying off the place and the bank so the brats have it nice.

And by the way, our rent hasn’t increased for 5 years. I also don’t see it as paying the landlord’s bank interest but as paying rent for the four walls I live in.
I could also say you’re paying the bank director’s Porsche with your usurious interest rates.

Like I said, everyone can do as they please, but no one needs to constantly come around and say how cool it is to buy a place on credit that they can’t even afford. Like most people here, by the way.

As I said, everyone should do as they please, but there's no need for someone to constantly come along and say how cool it is to buy a place on credit that they can't even afford. Like most people here, by the way.

Who do you think you are? How can you judge what others, or as you claim "most people here," can or cannot afford? A building loan alone doesn't say anything by itself.

And by the way, our rent hasn't increased in 5 years. I also don't see it as paying the landlord's bank interest but as paying rent for my four walls that I live in. I could also say you pay the bank executive's Porsche with your usurious interest rates.

You can be happy about that; it's certainly not the case for all tenants. If you are against building and in favor of renting, that's your right, but perhaps you would find more understanding in a tenant forum and more like-minded people than in a building forum.

There is a difference between "building/buying with a loan" and "not being able to afford the place." The latter is the case when the loan term goes into infinity or one has to be afraid of the follow-up financing. By the way, the landlord usually finances the apartment as well. And the rest... I will never have problems with 200sqm of unused space, we simply build in a size that can also be reasonably used when there are only two of us.

How can you judge what others or, as you claim, "most people here" can afford or not?

Anyone who has received a loan can objectively afford it as well. Checked and approved by the respective bank. Tenants also have to "downsize" if their personal financial circumstances change.

As I said, everyone should do as they please, but no one needs to keep coming along and talking about how cool it is to buy a house on credit that they can't even afford. Like most people here, by the way.

It's up to everyone how they do it.

Exactly, but sitting in a house-building forum and whining and complaining that you can't do it (the desire is apparently there ;)) is probably the wrong approach.

I still don’t understand what you want to convey to us with your statement? Your writing is still confusing, or my brain folds really need much longer today (not excluded) to untangle themselves. I’m not taking anyone’s opinion away if you might suspect me of that. I just don’t understand your statements or can’t follow them.