Is house construction financing possible at all?

I consider it extremely naive to believe that our welfare and pamper state will still exist in 2050 as we know it today.
1,000 EUR per person ([Bürgergeld+Miete]) who does not want to work and 48% average pension receipt for 20 years will no longer be affordable for us for much longer...

The pension was "invented" when people retired at 65 and died at 70 or 75. Nowadays, many retire at 63 and live to 90.

I expect a pension of maybe 30% of my net income, no more.

The pension was "invented" when people retired at 65 and died at 70 or 75. Nowadays many retire at 63 and live to be 90. I expect a pension of maybe 30% of my net income, no more.

Such nonsense, sorry. The pension reform of 1972 (introduction of the current pension) provided for a standard retirement age of 60 years. Life expectancy was about 73 years. Today there is a standard pension from 67 years, and the average life expectancy is 79 years.

I don’t know anyone who retires at 67. Apart from that, please take a look at how many workers there were per retiree in 1972 and how many there are today. Do you seriously want to deny the demographic problem? I beg you, even Die Linke no longer does that.

PS: And your numbers are wrong. You took the numbers for women in 1972 and for men in 2020. Men 1972 67 years, 2020 78 years. Women 1972 73 years, 2020 84 years.

I don't know anyone who retires at 67. Besides, please take a look at how many workers there were per retiree in 1972 and how many there are today. Do you seriously want to deny the demographic problem? I beg you, even Die Linke no longer does that. PS: And your numbers are wrong. You took the figures for women in 1972 and for men in 2020. Men 1972 67 years, 2020 78 years. Women 1972 73 years, 2020 84 years.

you see, I know many who stick to the standard working hours ... I did not question the change, I refuted your arguments. The number of children per family has declined, so we have fewer contributors than users. But that has little to nothing to do with age.

and when your fixed term is over, you look around again and blow your money on your place. it will definitely be more than you paid then. The next house can then be a bit bigger.

oh dear... this is not aimed at you personally, but it's a nice hook.

People, please think carefully about whether the wisdom of the last 30 years is still valid in the current times! Rethink statements like "interest rates can only go down, values can only go up, the world is becoming more global, the world is becoming more peaceful, the number of people is increasing," and so on and so forth. These are all points that can change much faster than one thinks, and even if you forget about Putin and his associates, especially regarding house prices, there are clear long-term indicators that make statements about house prices appear questionable (see demographic change).

I don't know anyone who retires at 67.

That naturally results in deductions from the pension, that's clear.

I expect a pension of maybe 30% of my net income, no more.

Which net income do you mean? Your last net pay? That is completely irrelevant in calculating the pension. Please explain what you personally understand by these percentages, and what they mean for your pension.