...
I just find it strange that families with little money and low income are basically being lured into building, even though the risk is already very high when the interest rate rises...
And people who could afford it without risk have to compete on the open market for the few plots of land together with all the newly rich and heirs.
So to speak, you are being punished for having saved money and for having a good job after going to school and university for a very long time...
Maybe someone can still give me tips on where to look for building land or who to talk to.
I don’t believe anyone here is criticizing your saved equity. 130,000 is not a small amount.
What is being criticized here, if anything, is your intended savings rate.
I’m not familiar with the wage level in Bavaria/Munich. But apparently, some respondents here see it the same way I do—that you have a relatively high income. In our northern region, a couple wanting to build could save about 3,500 monthly from that. Perhaps even more given the stated rent.
I actually googled this local resident model again for your question. It wouldn’t have been necessary, since the regulation explains itself: and yes, you are complaining from a high level. You could very well finance a very expensive plot of land cheaply in 2-3 years, and if the house you want is still realistically down-to-earth, you could build normally and confidently, as most of us do.
This points allocation is precisely designed to filter people like you out.
I left some things from your quotation above because I conclude that you are not assessing yourselves realistically.
You belong to the newly rich. At least you have the basis with your salaries.
And just because there are people with a good salary like you doesn’t mean others with fewer or more points deserve a house less. No one is being lured; rather, it’s made possible for someone who earned a cheap plot more than you.
Unfortunately, you see yourselves in a victim role, but you are not. Just because you have your limits (credit borrowing limit) does not mean your view is correct.
You are not being punished but rewarded for your good education with good jobs and good salaries. So don’t complain [emoji6]
And honestly: maybe it’s time to consider how your desire for a family, your own home, and exclusive education can be reconciled.
In life, you often have to make sacrifices, whether with local compromises, the number of children, or the occupation or job you pursue.
Most who have gone through such changes don’t talk about sacrifices but about situational changes.
As long as you don’t have to do something like that, you can keep your life as it is (but you don’t have to).
Commuting, for example: I don’t find it bad, either. With public transport, 60 minutes pass very quickly. 40 minutes by car from the commuter belt to the big city center is normal for us.
But between us: once you have it shorter, get a bit older, and have the opportunity to shorten this time, you will appreciate the gained time. But that usually only works with financial losses.
Personally, I find it reasonable to explore yourself professionally in the economy after your education. You can always take it easier 20 years later. However, you will probably have to make compromises when children come into play.
And you have not reached that point yet.