Home financing ever possible? Probably not!

where banks were rescued with billions of taxpayers' money:

HSH Nordbank - privatized West LB - no longer exists IKB - sold to a private investor The state did not "rescue" the banks, but only bought time. I have given you a few very prominent examples above. The list can be extended arbitrarily. Smaller banks are not rescued at all – there are plenty of Volksbanken and Sparkassen that simply went under or were restructured by the respective protection schemes (of the Volksbanken and Sparkassen).

But that banks cannot incur any damage and therefore all banks can just distribute money to the people without checking and do so, that is simply absolutely not the case on a broad scale.

It just doesn't make sense to me personally:
Banks generate their money out of nothing. There is nothing they have done for this money.
Of course the system works that way, but one shouldn't present it as if banks also have to "calculate, do the math, etc." Yes, of course they do, but with money for which they have done nothing.

You do realize that a bank has to refinance your loan elsewhere and accordingly has ongoing costs?

You do realize that a bank has to refinance your loan elsewhere and accordingly has ongoing costs, right?

Exactly, among other things with the money that others pay back monthly for their loan (which the bank couldn’t issue without its state license).
I have often wondered why you can’t just get a loan from the government at 0% (or at least lower) interest,
but then the socialism argument would immediately come up (which, strangely enough, doesn’t apply when banks are accused of simply creating their money out of thin air and enriching themselves at people’s expense and then pushing them into ruin when something goes wrong).

I have often wondered why you can't simply get a loan from the government at 0% (or at least lower) interest

KfW exists for certain funding purposes - and for the rest, why should all taxpayers support you wanting to have a house?

Right, among other things with the money that others pay back monthly for their loan

No, you misunderstood that:
Example: You pay 3% interest on your loan to the bank. The bank pays 2.5% of that on to the central bank. What remains with the bank? 0.5%. And a lot of other things still have to be paid from that. Whether it is 0.5%, more or less, others here can report better. But do you understand the principle?

I have often asked myself why you can't simply get a loan from the state at 0% (or at least lower) interest,

Why would anyone then want to pay back the loan? That opens the door wide to all forms of fraud. Besides that, prices will rise even further. Such a harebrained idea...

when banks are accused of simply creating their money and enriching themselves on people and then driving them into ruin if something goes wrong)

A bank cannot create money. They sell a service (loan) in exchange for money (interest). Like a physical product or even software. You pay for something, you get something. The conditions are transparently disclosed. Full repayment loans are possible.

Why should a bank play welfare if customers don’t keep their side of the contract? The bank doesn’t drive anyone into ruin. It is the people themselves who do so through divorce or similar things in life. Every adult knows that you have to part with things you can no longer afford, whether jewelry, car, or house. My goodness, grow up,