Question regarding the feasibility of financing

Hui ui ui. The topic has suddenly gotten bigger. At least I never said that you can't build with 5k net income in Bavaria. I even said that you can easily buy 1500 sqm in a village of 500 people with that salary. But at least for me, it was about the fact that prices in these cities, where everyone supposedly earns that much, are beyond belief. Topic vacation: it doesn't matter how far you travel. That doesn't determine the price. I've been backpacking in Asia or South America for four weeks straight several times and paid less than €1500 total including the flight. But with children, every vacation gets much more expensive. For me personally, that doesn't require other continents. At least not every year. Especially in young years, there is so much beauty and so much culture in Europe that you can start here. Still, you can't get by with just a few euros. Currently we calculate (without children) with €2000/year per person for vacations. This year was obviously much less. But in a normal year, that's roughly about right. I also don't know which generation had it hardest in fact. What seems sparsely furnished today was top of the pops 50 years ago. Everything got more expensive, more technological. And that's a good thing. But inflation-adjusted, I'm not convinced that our grandparents were all worse off when it came to real estate. Next topic: support from parents/family. From my point of view, there is absolutely nothing wrong with borrowing or receiving money as a gift from parents. But we must not forget that especially in these mentioned cities like Erlangen or Ingolstadt, families don't necessarily live. My parents and my wife's parents are wealthy to me. They own their own house, they are debt-free (so everything is paid off) and have more than they need to live. That would already be wealthy to me. But, and here lies the catch: combined, my parents' houses today are worth less than a house in Erlangen! So you would roughly need 2-3 times the amount of support from parents that others need in other places. That means in reverse that the parents would have to be quasi Erlangen-wealthy. And then we'd come to the point: only rich heirs can afford it. Nevertheless, I believe there are ways to make it on your own. And everything is somehow doable. It's just a pity that it is excessively harder in such cities. Now let's add 10 years where one studies and completes a doctorate without income. So, it's not complaining on a high level. Because more money buys you less. Politics: I very very much doubt that you can change the situation by voting. What are politicians supposed to do? Force owners to sell at lower prices? Clear forests to generate building land? In a region where three big cities are so close together, there is limited room for maneuver. What I really find sad, however, is that new building plots are sold exclusively to developers. That is weak. Otherwise, I see little possibility to politically change much. P.S.: I'm sorry for not answering some questions. It was not intentional. Feel free to ask again, I will make an effort to answer.

Wise words, but farmer Hansi will at most reply to me when he is supposed to do it, and besides, he has so much land that the general shortage of land doesn't really bother him (expressed very polemically).

Many people do not see that most farmers still have to make a living from the land they have through active farming.
Agricultural land prices, especially here in Bavaria, have exploded extremely because increasingly real estate speculators are buying up fields around the cities.
This leads to many farmers having to lease the land because they cannot afford new land, but they need it for cost-covering farming due to the high price pressure.
The trend in agriculture has long been towards fewer large farms (see, for example, dairy farms).

Small farmers are therefore often threatened existentially and only give up land in exchange for compensatory land, which the cities, in turn, either do not have or do not want to give up.

To make this problem worse, there are the EU's allocation criteria for subsidies. As is currently well presented in the media, subsidies are based almost exclusively on the pure ownership of the land to receive subsidies.
Giving up land without compensation thus also leads directly to fewer subsidies.

Of course, there are also farmers who have disproportionately benefited from the real estate boom in some regions and have become rich because of it, but you cannot generally apply that to everyone.

So, as so often, it is more complicated than in the pub.

What I do find really sad, however, is that new building plots are sold exclusively to developers. That is weak. Otherwise, I see little possibility to politically change much.

Yes, that seems sad but in many cases understandable. I have looked into this a bit (for Bavaria) and aside from mutual conflicts of interest that unfortunately do occur from time to time (see e.g. Regensburg’s mayor), there are two points that lead to this:

1. Overwhelmed urban planning departments
In large cities, it is often understaffed departments or municipal subsidiaries responsible for allocating building land.
They often have to, in addition to their regular duties, fully develop a new construction area, plan and conduct a procurement procedure.
Therefore, the easy route is often taken and the generous offer of large developers who provide and carry out everything from a single source is accepted.

This is by the way no different from many legislative procedures, in which lobby groups dictate entire legal texts due to the overload of parliamentarians and ministries.

2. Small towns
These often lack the entire infrastructure for managing the allocation of building plots. They usually outsource everything from the land purchase to the allocation of individual parcels to a development company.
Larger cities usually have at least something like a municipal housing company that could take on such tasks.

But it is a very unique example, there are not many of them.

Just open the sense organs, there are countless examples of these, you don't have to like them all.

FfF is pushed with a lot of money and lobbying, but the topic also fits well into the left-green zeitgeist.

If that is really the case with lobbying and money for FfF – it shows the effect of a movement that then receives support.
If that is not the case with lobbying and money for FfF – it shows that a counter-movement is taking place.
And how does such a zeitgeist come about? Only through movement in society. Everyone who gets involved and joins with others contributes to this. Of course, it is not the same kind of self-efficacy that one feels when simply calling the shots in a small system.

I am very interested in politics, but the developments are very worrying and I get too annoyed about it.

Getting annoyed doesn't help either. The question of the successful strategy remains.

@Bertram100 I think people can also just talk a lot of things up, but that is not a strategy I consider sensible.

well, I also wrote that one has to make decisions (also for financial reasons) and that holding back is not always easy. But it is certainly useful in the long term. Basically, it is a pity that you do not find such or similar proposals sensible. Something similar (not exactly my proposal, but similar) is basically the only thing that one is entitled to. The Earth does not provide more. It does not even provide that. I also live beyond my means, but I try to do so as little as possible and find my life satisfaction in appreciating what I have within reach. And unfortunately, this train is about to become extinct. You can also see that in your somewhat simplistic comment.

@Bertram: I, on the other hand, think it's great how you handle it. We also do a lot by bike. It's just that in our city this is more the zeitgeist of many and we never felt strange about it. We are not extremely "green," but 2 big cars, an annual long-distance trip, and constantly new clothes would not be an option for us solely for environmental reasons. However, we can't live as radically as you do. We need our car quite often and a long-distance trip every now and then is also nice. I still think it's great how you live!