Situation in the real estate market... madness

And with <6k monthly, as sorry as I am, in my opinion you simply don't belong to those who can build a house for more than half a million and live carefree (financially).

I still don't understand that. Even if out of the 6k € 2k € are spent on the house, 4k € remain monthly. What financial worries would one have then? Even if only 3k € remain, worries are unwarranted. Then the average family with 3.5k € household income and 1k € warm rent would have to lie down on the tracks every week because they are financially ruined. And even these "poor suckers" live a carefree good life. If you're just a "scaredy-cat," you're in the wrong place here in the house building forum. Because here write those "poor suckers" who want to buy a house or an apartment. What is your specific fear?

It's not about cars but about apartments. In Buxtehude or in the Hunsrück you might be able to haggle over the rent. In the more desirable locations (I assume Hamburg is one of them), they'll laugh at you and show you the exit where at least 50 other interested parties are waiting before you. THAT is the reality!

And sorry, generalizing old contracts with 2 rooms warm for 350 euros for Hamburg(!) is an insult to everyone who is currently seriously looking for an apartment there! Or do you think all the reports about planned expropriations, rent increases, and housing shortages are just inventions of the lying press to incite the masses and that in reality everything is all easy-peasy?!

I’m with on this, anyone who worries with a 6k household income and 2k housing costs is doing something wrong. I understand what you want to say , but you can still live WITH a house, even with over 300k financing. We ourselves deliberately chose the rate so that we can continue to go on vacation as often as possible, eat out whenever we feel like it, and much more, no problem. And we have significantly less than your 6k income.

With rent, you buy flexibility, which can be a great option depending on your life plan. Others simply prefer living in their own home; the reasons are varied. We didn’t build to own. Rather, because I like to walk out onto the terrace on Sunday mornings in my underwear with a coffee without spoiling the appetite of the tenant upstairs. And because rental houses rarely have pools.

obviously leads an extremely intense lifestyle. With 6k net you can't afford to buy a house... where do you live? What are you trying to argue here? That renting is the ultimate freedom? That's fine if it is for you, others feel much freer owning property.

I even claim that in the current environment it's better for a good night's sleep to have a pile of debt than to rack your brain over your investment strategy for your wealth.

So, to each their own, you can also live on a campsite with 6k and have caviar and champagne for breakfast every day.

To maybe still make a case for renting. I myself think renting is great - but only from 60+. Then I don't want to own any property anymore with 2-3 floors, garden, lots of space, etc. I want to live comfortably in a smaller rented apartment (I have enough money from the sale of my more or less debt-free property) and if there's something to be done, I call the landlord / manager. And then I spend my money even more than before.

We are talking here about €6,000 net. Child benefits on top? Less than 10% of all households have such an income. Reading through here, one wonders how a stereotypical family with a craftsman and a saleswoman can even survive without starving.