Why don't construction prices go down?

If I had thought like many of you here, I would never have built a house ;-)

And since most think like you, they cannot afford a house and complain here. That is then the problem of "Building a house is no longer possible today."

Maybe rather because hardly anyone takes on much themselves. I learned how to work with my hands at home; my dad showed me a lot, which in hindsight was very good. Just ask around how things usually are. Often someone doesn't want to or can't pitch in at all.

And when people have everything built for them, what you wrote happens.

Eating out, vacation, housekeeping help, additional savings: all still possible.

And these are the "nice" things for which there is easily money left over if you don’t have to pay "excessive" demands depending on the financial situation – for friends of ours, it was recently determined that he has an untreatable (but thankfully not lethal) heart condition in his mid-40s, which makes his future work biography pretty uncertain. How grateful this family is that they own an older house, which was renovated with a lot of personal effort and has so far fit very comfortably into the finances. Thanks to the relatively low loan installments, which will be paid off in a few years, the family is currently only worried about his health and not additionally about their finances…

No one can know what may come, but at least to factor possible misfortunes at least roughly into the financing of the property and thus, for example, to forego one or the other "must-have" (depending on one’s own budget) was very important to my husband and me. For example, we still live in our existing building with the very old interior doors (and quite well) – now, almost 8 years after moving in, we will finally probably renovate them, as the children are older and the financial situation is significantly more relaxed...

And these are the "nice" things for which there is no problem having money left over if, depending on the financial situation, you don't have to pay "excessive" claims - friends of ours have now found out that he has, in his mid-40s, an untreatable (but thankfully not lethal) heart disease that makes his future employment biography quite uncertain. (...)

I'm really sorry... But you can't plan for something like that and it's very difficult to insure against it (and if you try, it gets very, very expensive). If the... or one of the... main earners fails, nowadays 95% of all mortgage loans collapse. It doesn't even have to be the untreatable disease. An accident on a country road, 2 seconds not looking at the street, is enough and you sit in a wheelchair for life. If you don't even suspect that in the dream when financing the house... who can blame you. Nobody chooses that... It's different when people take out loans and already definitely know that in 10, 15 years they will be nothing but vegetables... then it's unfair to the bank and all other customers...

It is different when people take out loans and already definitely know that in 10, 15 years they will only be vegetables... then it is unfair to the bank and all other customers...

Why? The bank has the securities in the land register.

Why? The bank has the securities in the land register.

Why am I listed as the author in the quote? System error?