Is project ownership financeable?

I had assumed that my property counts as collateral for the bank. And if the market value collapses massively & the property as collateral is no longer sufficient, the bank demands a sum-X from me.

That is solely the bank's problem. I have never heard of an obligation to provide additional collateral.

That is solely the bank's problem. I have never heard of an obligation to provide additional collateral.

Assuming it is a bubble, the bank could get into trouble because of it. Unrealistic, as many measures have been taken (e.g., Basel III) or the strict checks when granting loans, but possible.
On a small scale, there can be a nasty surprise at the latest after the end of the fixed interest period if the remaining debt suddenly equals the value of the property. If in 10-20 years demographic change additionally slowly devalues suburban living dreams, that is not so far-fetched.

Well, he probably means what happens when real estate prices collapse and with them the lending values. See USA during the subprime crisis. When I look at the course of the thread, one can already guess what these cheap building interest rates lead to.

I have no intention of that. At the moment, however, even a good saver only "loses" with real estate purchases. With high interest rates, real estate prices fall & someone with good equity then also gets something for their money, since no large loan is necessary. The current situation is simply a devaluation of one's previous work & savings efforts.

Basically, you can't lose on the stock market worldwide if you have been investing for several years. The markets increase in value several times more annually than real estate has generated in value growth so far. Even if stocks and real estate both halve in value at the same time, you have at least preserved the value of your savings and can then go shopping for real estate.

Basically, you can't lose on the stock market if you are globally diversified

Yes, that's always how it starts... Once that becomes a certainty in people's minds.

Yes, that's how it always starts... Once it has settled as a certainty in people's minds.

When I look at the historical data up to today, has anyone ever lost before? Not at all.