Home financing ever possible? Probably not!

My goodness, grow up, @Benutzer205

You made my day :D

Anyone can lend money; they most likely worked for it. So, it first requires energy to even have money. He charges the debtor some interest so that he has a reason to lend money at all.
And what happens if the debtor simply does not want to pay? Just because the debtor cannot manage his money, has (over)extended his private life, no longer works, whatever... why shouldn’t the lender demand his money back? Why should the debtor’s problem become his problem?
Exactly, there is no reason.

There is KfW for certain funding purposes - And for the rest, why should all taxpayers subsidize that you want to have a house

Isn't it a self-serving purpose! Everyone would have that right! But it doesn't matter, it won't become reality anyway. And apparently you prefer that you have bailed out banks with your tax money that are responsible for their own crisis *roll eyes*

No, you misunderstood: 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 for the bank? 0.5%. And from that a lot of other things still have to be paid. Whether it is 0.5%, more or less, others here can better report on that. But do you understand the principle?

Thanks for the little economics lesson – I really wouldn't have known that without you. And unfortunately, in your example you omit the fact that there are MILLIONS of people who have loans with tens of thousands of euros. The picture of the poor bank on the brink of existence is far from reality.

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

If I take out a loan from the bank for €400,000, this money is not taken from any existing account, but created. Only when I repay the money does it get put into circulation....

You made my day :D why should the lender not demand his money? Why should the debtor's problem become his problem? Exactly, there is no reason.

At first, that's correct, the difference is: If I lend someone 1000€, it is my money that I worked for... But the bank did not work for the money it lends me...

@ Everyone .. it's all gone down the drain.

The bank didn't work for the money it lent me...

The bank is also a building, it can't work. I find us somehow amusing, how we still try to bring the OP closer to economics. But he's not really looking for enlightenment. More like someone to blame. :D

@ everyone .. all is lost.

Oh come on, it's just getting really fun. And to keep this from getting too boring, I'll throw the fractional reserve system into the ring. Along with the question of what actually happens in a fractional system when banks do business with each other ;)