Question regarding the feasibility of financing

Friends of ours built in the district of Neu-Ulm and for them the standard land value was only €350. They paid less for their 800 sqm than we did for 330 sqm. So the range in Bavaria is quite large as well

Correct - but then the claim that building is not possible in Bavaria with a net of 5k makes no sense. By the way, I find it perverse to call €350 per sqm a "low" standard land value - but well, the Bavarian big cities naturally call for even more perverse amounts.

Right - but then the claim that 5k net is not buildable in Bavaria makes no sense. By the way, I find it perverse to speak of a floor value of 350 euros/sqm as "only" - but well, the major Bavarian cities of course call for even more perverse amounts.

And the residents of the city and district of Munich come to us because there are "cheap" just barely triple-digit land prices here.

And the residents of the city and district of Munich come to us because there are still "cheap" just barely three-digit land prices here.

Yes, I know that phenomenon. Originally, I come from a district in the southeast of Munich, and everything is of course exploding there too. The thing is: complaining helps in very few cases and you have to take what is available. Thinking about how unfair it is neither gets you anywhere nor does it do you any good. In my experience, you go through life much more relaxed and pleasant if you accept things you cannot change as they are and try to make the best of each situation individually.

Let people flaunt the very expensive areas with the high prices. It doesn't help anyone to say anything about it.
The prices for real estate, land, and property in Germany are too high in relation to incomes. Whether "increased," "absurd," or affordable for some individuals does not matter at all.
It leads to a smaller proportion of people owning their own property. From a business perspective, this is extremely lucrative for relatively few people and companies. From a macroeconomic perspective, it is nonsense. In Germany, the reduction of social housing in the 90s and 00s not only relinquished access to affordable housing but also contributed to increasing prices.
It’s great when people like , , or show here how to cope with different approaches to the fact that building has become extremely expensive. May some be inspired by this. The fundamental problem remains and will also affect homebuilders, as it is a societal challenge.
is right: Complaining does not help. "Enduring" doesn’t help either.
Some local engagement against it does help, and voting purposefully, which is not only focused on one’s own pocket, certainly does.

Yep, you should never forget targeted voting – although it’s also difficult to really filter out who is campaigning and who is genuinely pursuing smart approaches. And (also from my experience with my now Munich-crowded district) unfortunately such approaches are often quite unpopular. The local mayor of a town with a 40-minute train connection to the main station proposed, for example, that in order to have more single-family houses overall, older citizens should move into the newly built apartment complexes and sell their now much too large houses to families, as the families need the houses much more urgently than the seniors – basically not a stupid idea, but the wave of outrage didn’t take long to arrive. Also, and this always annoys me enormously, farmers have simply an enormous lobby here due to their frequency out here – if they refuse, then their fields do not become building land, especially because no offers that make sense for them are made. But the land would be urgently needed.

where it is again difficult to really filter out who is campaigning and who is actually pursuing smart approaches.

It is quite simple. You follow the events continuously and not just before the elections, watch who moves and does what. I can only recommend everyone to occasionally get a personal impression in the council and committee meetings. It is easy, helps immensely, and sometimes gives you the opportunity for a personal conversation. Since this is not a binding commitment, anyone can do it. Unfortunately, very few do. It is very easy to be present and by doing so alone to exert some influence.