No building land due to new EU native model?

Where can I find building plots? Even if money didn't matter, I can't find anything here. Absolutely nothing within a 30km radius. That can't be right.

But it can be, and that's exactly why there are local resident models, because well-off city dwellers only want to pay as much for building land as Jutta from Lidl in the village.

Building land is a limited resource and has been for years. With your parameters, you are simply too late. Therefore, it is not necessarily advisable to desperately try to jump on the bandwagon now and possibly overextend yourself or force yourself into a corset that doesn't fit well.

I repeat, where does the urgency come from, where does the urge come from? Because "everyone" is building? Because interest rates are low (you've already disabused yourself of that, right?)?

If it is such an important concern for you, the advice really is to reconsider the "specialization." Do something new; in two years you will be specialists again. I gave up my first specialization because being a specialist also involves risk (besides family and location issues) and I am now more of a generalist and know that if I have to switch, there is a choice here and not just one.

I will not go into the topic of commuting in more detail, as you have said everything necessary from my point of view.

I had already written something about the topic further above, maybe it got overlooked.

First, the bad news: yes, it CAN certainly be the case. If not, there are only a few possibilities, even if I repeat myself:
- Commission a dedicated real estate agent
- Go to (new construction) areas, look for building gaps, ask neighbors who owns the property
- Alternatively to asking neighbors: find out the owner via the building authority/notary
- If the owner is found, approach them appropriately (we wrote a handwritten letter on decent paper and dropped it in)
- Inquire at local clubs, volunteer fire departments
- If necessary, look for property with old buildings on it, factor in demolition costs
- Hang "notices with tear-off phone numbers" at local supermarkets, bakeries
- There are also some really tasteless people who search through obituaries - certainly a way I would never take

Even if many things are not very promising, it is certain that the situation will not improve if you do nothing at all.

Alternatively: fundamentally reconsider the situation. Does building really have to happen? Maybe rather
- Apartment
- Existing property and (core) renovate
- Wait about 5 more years until the first follow-up financings expire

As bitter as it is, forcing it probably won’t work – unfortunately, it requires a lot of luck....and I wish you that, because I know your situation all too well – only about 200km north of you.

Thanks, those are a few good tips I will follow up on.

Nobody says commuting is better than not commuting... it’s just not completely wasted time. My job (and that of many people) consists of 70%-80% meetings and appointments during the day. I can usually have the bilateral conversations just as well from home, lying in the garden, driving in the car... it doesn’t matter at all. Does the majority here still live in the last millennium? Home office is demanded everywhere, but talking on the phone in the car is not allowed? Modern cars are completely connected, fully on the internet, everything voice-controlled, good quality (unless you are somewhere very rural), ...

.

My job almost only consists of meetings. For the absolute majority, I need support material (counts, results, diagrams) on a screen or printed out. I don’t have that in the car. Another big part is personnel discussions for which I need at least video, since a serious employee discussion is not possible by phone, or does not do justice to the employee.
By phone, I can basically only listen to meetings that are pure information transfer, such as quarterly results, investor calls, etc. The majority of this information can also be sent by PDF mail, and I have therefore abolished them because of time wasting.
There remain a few small bilateral arrangements with my assistant or employees from my own department. For all other calls, you at least have to take notes.

Ok, my last post to you here...

I, I, I...
I don’t think I have replied to you.

Ok, I’m trying to make clear to you why I spoke as an example of myself. It was supposed to refute your claim

No one needs half a mental hour between private life and work. That’s been talked into people.

Usually, one counterexample is enough to refute such a sweeping statement. I gave you that with ME, it certainly was not primarily about me in particular – I assumed that was clear.

Maybe read everything from me for once or keep silent!?! For example #59, what I say about commuting.

I have read everything from you – and at least about the mentioned post #59 I can only say: unfortunately.

I would also like to justify that, because contrary to what you claim

I am not arrogant

unfortunately the opposite applies. Well, then I’ll give you a few samples from the post mentioned, which suggests otherwise:

What is criticized here, if anything, is your intended savings rate.

Is it not arrogant, for example, to criticize a personal savings rate derived from individual circumstances? That is applying one’s own standards to judge and condemn those of another person whose circumstances one does not know – that is arrogance.

I don’t know the wage level in Bavaria/Munich.

Ok, no problem, but nevertheless a few lines later you come with an evaluation of his behavior, followed by a claim about the affordability of plots of land – without even having a clue about the local circumstances (in this case in the Munich area, for example prices over 1000 EUR/sqm), with the friendly reference to modesty, which suggests that he is not:

and yes, you are whining at a high level. You could easily finance a very expensive plot in 2-3 years, and if the house wish is then realistically modest, build normally and confidently like most of us do.

By this point, you really shoot the bird. “People like you,” no arrogance, right?

This points allocation is precisely meant to weed out people like you.

... or maybe here after all?

You belong to the nouveau riche.

Because that definitely comes across as if you were the authority deciding that. Nouveau riche are not necessarily academics, even in Munich. And the income for two people who studied, for example, in the technical field is fairly average – and there are several technology companies in Munich. So please keep things in perspective and take off the envy glasses. Yes, there certainly are many people who have less available, but is it the OP’s fault that those people did not study and get a correspondingly well-paid job? Yes, that may be unfair, but it certainly doesn’t justify blaming the OP for it. And for that reason, he has every right – and it’s not whining at a high level – to view the situation from his perspective. Or should all your whining/complaints about various things always be dismissed with the argument that you are “whining at a high level” because, unfortunately, there are still people who have less than you? One can certainly say that he has a solid, fairly comfortable starting position, ok, but “You belong to the nouveau riche” just comes across as derogatory and arrogant...

And at the latest here, even a neutral observer would find it hard NOT to speak of arrogance – at least that is what I would say:

And just because there are people like you with a good salary, that doesn’t mean that others with less or more points deserve a house less. No one is lured, but someone who earned a cheaper plot more than you is rather made possible

“...earned more than you...” That’s not arrogance? Well, I don’t know... Apart from the fact that I find it difficult to claim that about someone you don’t know, but how exactly do you define “earned”? By salary? For which he and his wife also each pay the top tax rate? Do you know, for example, whether the OP cares for relatives himself, engages socially in other ways, and thus perhaps contributes more to society than couple X-Y-Z, who received a plot through a local’s scheme and otherwise don’t give a damn about their fellow human beings?

You just nurture your “enemy images,” right? Average salary in the profession, inconveniently even higher than your own -> not possible, that cannot be “earned.” Cross-industry payment injustices are not the OP’s fault...

And finally, then this:

You unfortunately see yourselves as victims, but you are not. Just because you have your values (credit limit) doesn’t mean your view is the right one.

Otherwise, shut up

Nope, I won’t let you silence me because you are not in a position to do so....

My job consists almost entirely of meetings. For the vast majority, I need support material (counts, results, diagrams) on a screen or printed out. I don't have that in the car. Another big chunk is personnel discussions for which I need at least video, because a serious employee conversation is not possible over the phone, or it does not do justice to the employee.
Over the phone, I can actually only listen to meetings that are purely informational, such as quarterly results, investor calls, etc. The majority of this information can also be emailed as PDFs, and I have therefore discontinued them due to time wasting.
There remain a few small bilateral arrangements with my assistant or employees from my own department. For all other calls, you at least have to take notes.

Yes, you’re a real hotshot. That’s what you wanted to say, right?

If my post comes across as strange and also presumptuous to you, I can understand that. However, I quoted the OP and consciously used his words in my post.

What is being criticized here, if at all, is your intended savings rate.

Is it not arrogant, for example, to criticize a personal savings rate derived from individual life circumstances? People apply their own standards to judge and condemn those of others, whose circumstances they don’t know—that is arrogance.

I have no personal standard for savings rates at all. With my sentence I only summed up what previous posters generally criticized.

But here you really go overboard. "People like you," no arrogance, right?

Newly rich people are certainly not academics per se, even in Munich. And the salary is for two people who, for example, live in...

Yep! It’s all based on what the OP wrote. Here, I have highlighted what my words are based on. It is not my style or language use to speak of newly rich people. Therefore, I stand by my opinion that the OP sees himself as a victim, he speaks of punishment and sees himself treated unfairly, although he is obviously in a situation that allows him to get a plot without subsidies like this “locals’ model.”

I just find it strange that families with little money and low income are basically lured into building, even though the risk is already very high here if interest rates rise…

And people who could afford it without risk have to compete on the free market along with all the newly rich and heirs for the few plots.

You are basically punished because you saved and because you have a good job after going to school and university for a very long time…

And yes: I am of the opinion that the OP Hannes misjudges himself and his situation.

How to find plots on the free market I can only answer regionally. Apparently, the clocks tick differently in and around Munich than in the North—here there are always some for sale… if necessary, leasehold will do as well.