Home financing ever possible? Probably not!

Complaining on the internet with a household income of €5200 that you have to compete with “foreigners” in the housing market. Ouch.

Yep. That's all I read from it.
What is completely missing is the explanation of why they can’t find a property they like with the budget resulting from their household net income. The portals are full of them. Or whether no equity has been saved up? If there is no equity, the immigrants are probably to blame for that too.

But maybe I'm just biased because I married such an immigrant. Even worse, I even dragged him along. Grab the torches.

I had already answered the questions regarding income. I also wrote that my partner and I have only known each other for a few years.

You seriously ask why we don't buy a home for 600k. The answer is because you don’t get anything reasonable for that price. Properties at these prices simply don’t actually have that value. Everything is extremely overpriced, and I imagine that we would have to pay off a property within this lifetime. I don’t want to be retired someday and still have to keep paying. There are people who bought, died, and the bank is still listed in the land register. (Unbelievable)

It is true that the proportion of migrants in service jobs or cleaning is particularly high. However, more people are coming into this country than are actually needed.

I was accused here of wanting politics to ensure things are implemented that benefit me. Is it really so reprehensible that a citizen in this country thinks like that? Otherwise, the purpose of politics would be pointless.

It was also written that working does not entitle you to own a home. Well, 40/50 years ago it was possible without problems for a middle-class family to buy a home. Today that is no longer the case. For the reasons I described.

Sorry, honestly: Everything I have written here – who else should I address it to? Maybe it is not appropriate to write this in this forum, but no matter which politician I would contact – it would be the same, because no one can or wants to change the situation.

You seriously ask why we don’t buy a home with 600k. The answer is because you don’t get anything reasonable for that price. Properties at these prices don’t actually have that value. Everything is extremely overpriced, and I imagine that we will still be paying off a property in this lifetime. I don’t want to be retired someday and still have to pay. There are people who bought, died, and the bank is still listed in the land register. (Unbelievable)


It was also written that working does not entitle you to a home. Well, 40/50 years ago it was the case that a middle-class family could easily buy a home. Today that is no longer the case for the reasons I described.

40/50 years ago, a construction took a long time and much was done by yourself. The demands were often low, as long as there was a roof over your head. Repayment 1%, interest... no idea... 9% back then also meant grit your teeth and darn your socks…. In the end, a family would put up a 120 sqm little house, a small vegetable garden, and a sandbox for the kids and that was it. Higher demands, higher prices.

The answer is, because you don't get anything reasonable for this price. Properties at these prices simply do not have that value.

An asset has the value that is paid for it. What is different is whether it is worth it to you.

Well, 40/50 years ago it was possible without problems for a middle-class family to buy a home.

More nonsense. Even back then, no such family could afford a new building without personal contribution. Then they would spend 3 years exactly or renovate every free minute with friends on the construction site.

And what kind of nonsense is it that you wouldn't get anything for 600k? Even now, here with us (outer commuter belt of Stuttgart) you can still or again get decent semi-detached houses for 500k. New ones not, and only "normal" outfitted, but decent.

The mistake being made is envy toward those who built in the last 5-7 years. At that time, prices had not yet risen so much but money was cheap. That is, however, the exception. Now the pendulum is currently swinging in the other direction.

Help, I was too afraid to buy an apartment 5 years ago because I was hoping for the bubble to burst; it just couldn’t go on like that.
Also, I had only recently started dating my girlfriend back then and didn’t really believe it would last long. I didn’t want to commit.

I don’t want children and my 5,200 EUR barely cover living expenses. I’m ignoring the fact that, income-wise, I belong to the top 10%.

Oh right, it’s the foreigners’ fault because they come here and take the hard jobs that Germans don’t want to do anymore.
And of course the refugees too—the government should rather use the money to buy me a home instead of helping people fleeing war.

Did I forget something? Oh yes. I’m really angry at the people who dared to go into debt a few years ago and take the plunge into homeownership. Who do they think they are?

Sarcasm off, serious from here on:

For around 250,000 EUR, you can get, for example, a bungalow with 110m² from Town & Country.
With additional building costs and reserves, that's about 350,000 EUR. Then you still "only" need a plot of land. That should be doable with 5,200 EUR net...

Oh right, dude... I have 2 kids, and in the end (house almost finished) we will probably be somewhere around 550,000 EUR and have about 6,000 EUR net per month.
And you’re whining about 5,200 EUR net, without kids?

The mister gets a like, we're already that far! :eek: