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

However, we are strongly rooted through relatives, friends, and jobs where we feel very comfortable.

No one is suggesting to emigrate. You just have to look around and possibly expand the radius. Although I must also say that a long daily commute is not the solution either.

or rent a house with a garden for 1,500 - 2,500 euros).

Yes, then that's how it is. But then you have 1,000-1,500€ more in your pocket every month and sleep peacefully. You can invest part of the savings in a van, motorhome, or caravan, or rent a small garden plot. Have you already looked for leased plots?

In Munich and the surrounding area, the fact is that you either rent, are very rich, are lucky with your family, or go deeply into debt and take big risks. Normal standards like in the rest of the country are irrelevant. The real estate market is a casino.

At your age, that's a huge loan burden that not only takes away your vacation but also any option to cut back at work for health or family reasons. For example, I know only a few teachers who worked full-time until 65. Needing to care for relatives would also be a problem. Of course, one could callously say that in 25 years we will inherit, but until then, about 60% of your income goes into a semi-detached house.

You don't have to pay off a house until retirement anymore … at least not in this location … when you're retired you don't need a semi-detached house anymore … sell it and buy something smaller … that would also be conceivable …. At the prices there, you unfortunately have to slowly forget about it, unlike how it was always calculated in the past

So do it. I don't think you want to hear anything else. :)

I would have a stomach ache, but I already had that with 400k six years ago.

Yes, then that's how it is. But then you have 1000-1500€ more per month in your pocket and sleep peacefully.
You can invest part of the savings in a van, motorhome or caravan, or rent a small garden plot.
Have you already looked for leased plots?

Hi ypg, what I wanted to say with that clause is that renting a house for 1,500 to 2,500 euros is also difficult to get, since everyone wants that. If someone offered me such a house to rent today, I would take it immediately, forget buying, and sleep more peacefully (at least until the rent is raised).

I think leased plots combine the worst of all models.

I think that with leasehold properties, it combines the worst of all models.

It is an option and remains so. Exactly for those who would otherwise become overindebted ;)