Maximum construction financing based on income

Then from the perspective of the fund manager: Anyone who pays off their mortgage over 15-20 years in this low-interest-rate phase is very conservative (in your terms, I could also say they're doing something wrong). Everyone can hold their own opinion. It makes sense to invest the money differently.

*not only you can be so simplistic and exaggerated*

do you actually talk to your customers like that??

has always tried hard? ah yes.

Why do you always call yourself a banker? Don't you do something with IT?

How do you come up with the idea that interest and purchase price are independent of each other? Of course, the purchase/construction costs increase to a similar extent as the interest rates decrease. Supply and demand also works quite well here. In this respect, this "stop whining, you are not paying any interest anyway" is not very meaningful if you do not consider the price level.

Real estate prices have long since decoupled from the falling interest rates. The interest rate remains within a certain range for quite some time, prices are rising. There are numerous studies by Bangen that the volume of loans taken out is increasing.

Property prices have long since decoupled from the falling interest rates.