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

At least honest. So it has - even if subconsciously - been included in the rebalancing. Enjoy it, but that's not really the point. :D

Yes, it’s all pretty intense. But you got a quick solution from Commerzbank. Forget the grant and build. It definitely won’t get cheaper. And when you look back in two years, you’ll say “oh man, I didn’t get any funding like others did. But I still live in my own great house and I’m happy in the garden or not wasting my money on rent.”

With the imminent interest rate increases, it’s going to become more expensive; we are really in a bind at the moment. It will surely take months before new subsidies are implemented and budget funds are approved. On the other hand, subsidized loans have already been promised, whatever that means. Difficult decision. But you cannot reliably predict the right timing, just like stock prices.

I think a good homework assignment for all prospective builders is to calculate how much the planned house costs for each additional 0.1%-point increase in interest over the term and how much money has already been lost by not locking in the interest rate from two weeks ago. Or compared to last September... or last March. What I mean to say is that these are huge sums, but calculated monthly, everything is affordable. And anyone building two housing units can also split the additional costs by 2. You just have to charge €100 more rent.

We are having a terraced house built with a small plot of land for 800k and an income well over 100,000 euros. Am I now a parasite because I use the subsidy? We also have to stretch ourselves extremely for it... question is directed at the complainers

I have been thinking about what you wrote. It makes me a bit speechless that someone from apparently wealthy, family circumstances with over 8000 euros monthly income aims for a maximum repayment of 2500 euros and talks about having to "stretch themselves EXTREMELY" from their side. And then calls critics nitpickers. Where is your consumption restraint? Your painful sacrifices?