Situation in the real estate market... madness

If not, then name the naive points to me.

Just the savings rates alone: 1100 forced savings in your comparison when owning property, which by itself almost brings the calculation down to zero.

Then apartment vs. single-family house: If anything, please rent an equivalent single-family house...

Just recalculate again under these premises.

With a net income of 5K, company cars as the primary vehicle should be quite common, it hardly costs anything anyway. And the second car can then be a small and cheap pure commuter car.
Otherwise, 500 is realistic, yes.

1000 for food: destatista says on average 14% of net income for food, restaurants, drinks and tobacco(!). So rather 700 euros.

As for the company car... well, difficult. Many companies do without company cars for individual employees. Therefore, difficult.
As far as I'm concerned, let's agree on 400/car.

For food, I based it on my sister's data. She has 3 children and according to her own statement shops monthly for about 1300 euros.
I then simply deducted 300 for one child.

But I agree with you that it can certainly be done cheaper. I just wanted to take figures from real life and not from a statistic.

Rent - 1000 (INCL. HEATING!)

LOL - That is a rent for a small, simpler apartment not in metropolitan areas. If you take the small, simple apartment (under 10€ cold per sqm is usually not possible, except in rural/small-town areas), then please also take the appropriate house. So used, small and with simple equipment. Then you don’t have to finance €400k, but only €250k and then I’m also at 1,000€ monthly including heating.

If anything, it should be at least somewhat comparable. Comparing a villa with a social housing flat in terms of costs doesn’t fit. I’m only talking about a comparable house - not luxury.

So then 100sqm at 10€ cold as an average apartment in D/F/Hamburg/M/prospering cities wherever. Only that way can you make reasonable statements. Against that stands €400k for financing, that is 500€ cold monthly (repayment counts for me then as savings rate and not rent - otherwise please calculate rent and comparable savings rate).

No matter how you twist and turn it. Financially (in the long run) the owner will always be better off than the tenant. However, building that wealth in old age comes with a certain inflexibility. Also, he must be careful not to build in locations on the outskirts where hardly anyone lives today and where no one will want to live in 20 years.

Just the savings rates alone: 1100 forced savings in your comparison with property ownership, which by itself almost makes the calculation come out to zero.

Then apartment vs. single-family house: If anything, please rent an equivalent single-family house...

Just recalculate again under these premises.

Ah ok. I understand. So it is exactly as I suspected and stated above.

I personally do NOT compare ownership of a single-family house with renting a single-family house.
Rather, I compare general lifestyles.

Sure, if I want absolutely the same thing, then the calculation will probably turn out the way you present it.
But I am pursuing a different approach.

I am talking about "instead of."
That is, instead of binding myself for 30+ years with fixed costs of over 5k just to own a home, I prefer to rent something simpler, but live a life without debt and with far less "fear" that I might no longer be able to pay for my place someday.

I am talking about different lifestyle models.

If one has already decided to buy a house at any cost, then this whole debate is of course pointless.
But if one is still open and thinking about the pros and cons, then it does no harm to also take a look at lifestyle models that do not prescribe home ownership.

Everything has its justification.

OK. Then redo the calculation for rental apartment vs. condominium of comparable size. Let's say 400,000 loan with 100,000 equity, each 100 m2 and max. 20 years old, in the commuter belt of the city of your choice. It will be similar. Otherwise: a lifestyle model does not depend on who is listed in the land register. Your landlord or you.

LOL - That is rent for a small, simpler apartment not in metropolitan areas. If you take the small, simple apartment (usually not under €10 cold per sqm, except rural/small town), then please also take the appropriate house. So used, small and with simple equipment. Then you don’t have to finance €400k, but only €250k and then I’m also at €1,000 monthly warm.

Well, that’s exactly the point.

As described above, I don’t want to compare the villa with the social housing. Rather, I want to point out that you can live really well without having €5k monthly fixed costs. The apartment for €1k at Hamburg’s fish market is anything but social housing.

And sometimes it’s good for some people to read in black and white what they could/should afford and what not.

And with under €6k monthly, in my opinion, as much as it pains me, you don’t belong to those who can put up a hut for over half a million and live carefree (financially). You just have to face reality sometimes.