Question regarding the feasibility of financing

Market-oriented is very, very relative. You could also consider money laundering as a market. And investors from the Far East. Millionaires who want to invest their money somewhere. That is nice for the buyer, but as a city, you also have to ask yourself who the target group is. The people who work there and want to start a family, or investors who want to pay taxes on the rest of their money elsewhere? Just as an extreme example.

The developer earns twice. He sells the building at a premium and then the land along with it.
If the city were to sell the plots to citizens at those prices, the citizen could buy the exact same house 200-400 k€ cheaper. Or design their dream house themselves, instead of the prefabricated semi-detached houses from the developers.

Market-oriented is very, very relative. You could also consider money laundering as a market. And investors from the Far East. Millionaires who want to invest their money somewhere. That's nice for the buyer, but as a city you also have to ask yourself who the target group is. The people who work there and want to start a family, or investors who pay taxes on the rest of their money elsewhere? Just as an extreme example.

The developer earns twice. He sells the building at a surcharge and then the land with it.
If the city sold the plots to the citizens at these prices, the citizen could buy the exact same house 200-400 k€ cheaper. Or plan their dream house themselves, instead of the predetermined semi-detached houses from the developers.

And now? Do you want a bag of pity? Many cities simply don't want multiple buyers. You have to market a sale, handle the purchase process etc. So it is sold to the developer who handles everything directly and is obliged to connect the residential area (e.g. street). Live and let live. Cities are not speculators.

Here with us (Metropolregion Nürnberg/Fürth/Erlangen) many plots also go from private individuals and less from the city to developers. I know alone in my circle of acquaintances three couples who were interested in plots that eventually all went to developers. Here, especially one notorious developer offered prices that were significantly above the asking prices. As a private person, you simply have little chance.

We were lucky with us, our seller did not want to sell to a developer. We have now made a "bargain" with a plot for a semi-detached house surrounded by developer multi-family houses, whose condominiums are significantly more expensive than our entire house + plot. Still, our purchase was not cheap...

Here, above all, a notorious developer placed bids that were clearly above the asking prices. As a private individual, you simply have little chance.

Then you just have to be willing to pay the market price. In the end, the high land price ends up with the customers who build with the developer anyway.

Then you just have to be willing to pay the market price. In the end, the high land price ends up with the customers who build with the developer anyway.

Yes, that's right. Either you have to go along or buy expensive from the developer. I just wonder where we will end up here soon if the common price per square meter in the region has now reached €1,000 and depending on the district even goes up to €1,300.

Yes, right. Either you have to go along or else buy expensively from the developer. I just wonder where we will end up soon if the usual price per square meter in the region has now reached €1,000 and depending on the district even goes up to €1,300.

Well, honestly, the prices in "your" region don’t surprise me either. Let’s take Siemens as a prominent example. There, a simple clerk with a university degree already earns 100k after a few years, and that as a tariff employee. Two of those or a woman a bit less means almost €10k net per month. With that, one can easily afford such absurd prices. I better not even start with executives/salaried employees without collective agreement; you usually don’t hear them "complain" here anyway.