Semi-detached house (130 sqm) in South Bavaria financing

Not necessarily,
...

Or they are satisfied with it, which is nice, and then at least live financially worry-free.

Get offers with a significantly lower repayment rate and look at different interest-outstanding debt combinations. Friends of ours bought a condo in Munich, knowing that they will never pay it off in their lifetime. Personally, I would feel like passing on debt, but in the end, that is of course not true. You just have to factor in that the payment does not disappear at retirement and that you may only be able to reduce the repayment once. Or an inheritance, lottery win, career advancement in the meantime. Although I would also have my problems with this approach, nothing seems normal in Munich anyway.

... 1,260,000 euros need to be financed ...

This is a new building. If I imagine what you can get for about half the money, for example in the Stuttgart area, plus what would still have to be spent on renovation, the above-mentioned price already seems almost normal to reasonable. Google: "Central living! Cozy terraced house near the subway with sunny garden in Stuttgart-East"

do it! Munich has its own laws, although I will never understand what is so great about Munich :rolleyes: : Nowadays, you can also earn the salary of Munich in low-wage federal states. Home office and remote jobs make it possible.

Friends of ours bought a condominium in Munich, knowing that they will never pay it off in their lifetime. Personally, I would have the feeling of inheriting debt, but overall that is of course not true. You just have to factor in that the installment doesn’t disappear when you retire and that you might only be able to reduce the repayment once. Or inherit, win the lottery, get a career promotion in the meantime. I would have my problems with this approach too, but in Munich nothing seems normal anyway.

This is the usual financing model in Switzerland. Building houses that you can never pay off.

I stand by it!

Financial "suicide" that should not be supported.

30% of the income also applies in the "crazy areas". There maybe even more than in the "normal" areas because everything else is also disproportionately expensive.