KfW BEG funding stopped 261, 262, 263, 264, 461, 463, 464

I don't know who suffers more in the end, the renter who has to endure it or the homeowner who has bought their way out of this spiral at record prices.

Yes, public housing is something different. I completely agree with you here – it should be subsidized.

At least the following is stated on the website under Wiederaufnahme Neubauförderung: "The offer is handled through the usual program structures of the KfW and only the loan option is offered. For municipalities, the possibility of postal application remains fully available."

only "to make money"

I don't know who suffers more in the end, the renter who has to put up with it or the homeowner who has bought themselves out of this spiral at record prices.

I assume the tenants. As a homeowner, one has/we have, in my assessment, more scope for design and influence. And the pretty home, the beautiful garden, the children playing in the garden are a compensation for the high costs, while "one" in the rental apartment has to pay the high costs, may have unpleasant neighbors living very close by or meets them daily in the stairwell, may not even be able to use the balcony comfortably, etc., and still cannot terminate the too-small apartment in the meantime because no replacement can be found. In the owner-occupied house, there is the possibility to influence ancillary costs, to forego or undertake one or the other modernization, to plant food in the garden and much more. (And in the worst case, to create additional living space in/on the house according to one's own taste, which can be rented to a suitable person.) And who wants or is allowed to live there then? ;-) I know publicly funded housing/social housing and do not place special value on moving into one of these buildings. But maybe that will gradually change.

Where are we heading with that? Commercial activity with the intent to make a profit. Conditions.