Our financial situation - Your opinion?

Total costs with worst-case calculation (e.g. 4% interest)

With 4% interest rate you were the absolute king in 2001. That today this is assumed as a "worst case" in 15 or 20 years I consider a glaring misinterpretation of the term "worst". I agree with you on the matter: Act now and keep going.

to close the topic for the sake of my peace of mind.

In retrospect, it was the best thing we could do,

still relatively top conditions even though the absolute minimum was missed,

Reminds me how about 12 years ago, when Infineon was hovering around 37-70 cents per share, I bought shares for 400 EUR (back then still a small call center agent). I entered at 70 cents, the stock fell further to about 37 or so. Unfortunately, I had no more money to buy more. Later I sold at 1.40 – 100% profit. Sure, if I had waited longer, I could have made 2000%, but I was and am happy with the 100%.

Would have… is the most commonly used word in the stock market ;):D

No, these are actually two different companies with similar names ;)
Are you referring to me or Pinkiponk with the sampling?


That sounds great on your end. Everything you describe is what we have tried or done. We started planning the construction last year, then paused for a long time and have now started again. At no point have we been offered better conditions than now.
Last year, the house certainly would have been cheaper, but we still had a (for us unsatisfactory) floor plan back then. Now we have found our floor plan, the KFW cash subsidy is a thousand times more attractive than any loans with them. The cost increase we have experienced is still reasonable. For various reasons, our time is simply NOW.

Are you talking to me or Pinkiponk about the selection?

I mean Pinkiponk. I basically tick all the boxes there, even though the building authority, as far as I remember, was still inspecting the carports.

Last year the house would certainly have been cheaper, but back then we still had a (for us unsatisfactory) floor plan. Now we have found our floor plan,

Link it :)

The reality that actually occurred was usually not on anyone’s radar beforehand, especially or even more so for analysts and supposed experts. Currently, it is similarly tangible with topics like Corona, floods, Afghanistan....... all that knowledge, the forecasts did absolutely nothing to help, rather they caused harm because people relied on them too much. From this point of view, as someone who has already paid nearly 10% in mortgage interest, I would say that there is only limited room for movement towards zero, whereas upwards the potential is endless. I wouldn’t chase the last crumb there, even if all kinds of experts told me that interest rates will remain permanently that low.....see reality. If I had told my bank in 1990 that interest rates would one day be at zero, they would have committed me to a mental institution. The problem is also that people think it will keep rising forever........I have seen house prices and especially stock market values free fall extremely (unfortunately at my own expense) which has made me permanently more cautious and down-to-earth.