Problematic prices in the south of Munich

... You are breaking the 110x net rule, it won't work without equity,

what does this "110 rule" (exactly) look like?

how (exactly) does this "110 rule" look like?

It's practically already stated in what you quoted. Without equity, you get roughly the 110 times the monthly net income financed (loan).

The tricky situation is usually fueled by the fact that no one wants to move any of the key points. Of course, I understand that people don't like to commute far to work, want to be close to friends and family, close to the Alps, etc., and don't want/can't pay a lot. Ultimately, however, these questions don't only arise in Munich and also affect employees with significantly lower salaries in more affordable regions. When we built at the time, it was only possible because I decided to commute 60-75 minutes each way to work every day. From the front door to the workplace it was even more. I alternated between train and car, depending on my mood. It was tiring and time-consuming, but the only way to build a nice house for us with the amenities we wanted for ourselves. I was not an isolated case; some lived in/near the expensive Heidelberg, others in the Palatinate or the rear Odenwald. I would do it again and I am doing it again right now because buying in and around Dresden has become completely insane. So out to the countryside, and my wife drives an hour each way daily. Of course, you often read that you can't change this or that... you can!!! It's just a question of what price you are willing to pay, in euros or other concessions. Bavaria or Baden-Württemberg is NOT per se expensive; there are areas there that are still affordable. It is often a matter of one's own flexibility, and the attitude: "We don't want that," "That's not possible," etc., gets in the way.

How common is the variant in Munich where you really only buy with 20 years and minimal repayment, and then sell after 20 years?

I tend not to speculate with my own house. The absolute nightmare would be if you still have 500,000 outstanding debt and then some kind of crash happens and the property is only worth half. Anyone who then cannot meet the installments has to declare personal bankruptcy.

I find the title of the thread wonderful:

Problematic prices in the south of Munich

One could possibly still go north….
for example to [Starnberger See]? ;-)

I find the thread title wonderful: Problematic prices in the south of Munich One might perhaps still go to the north…. for example to Lake Starnberg? ;-)

Yes, we haven't thought about that yet o_Oo_Oo_O