Why don't construction prices go down?

to view the situation of the banks critically.

Please explain.
I myself am employed at a bank and would like to learn more about the critical situation, since you apparently know more.

Currently, my personal credit line from my broker has been reduced from 250,000 euros to only 1,000 euros. Now I only get the 250k after a personal review by an employee. Previously, this was possible without any review.

Whoever provided you with such a credit line without review in the past was already not complying with legal requirements back then. Perhaps the supervisory authority has also noticed this – an F3 or rather F4 violation.

The collateral for my customers' loans is now checked monthly instead of semi-annually. Also very strange and especially labor-intensive.

What collateral? The statement is generally incorrect.

It is also increasingly common for financing requests to be denied.

That has been the case for a while. Since interest rates have risen, it is understandable, because money previously had no cost and everyone could afford a loan. Normality is returning.

A banking crisis seems to be looming here.

What leads you to that conclusion?

And even though some still dream of falling interest rates here. The market sets the interest rates, not the wishes of homeowners.
I fear the market will soon force central banks to raise interest rates.

What exactly does "the market" mean? And why does it force central banks to act? Do you consider only the EU or also the rest of the world including the US?

Are you implying that I am abnormal and babbling?

They write it just to start babbling immediately afterwards.
Somehow almost funny.

What exactly does the "market" mean? And why does it force central banks to act? Are you only considering the EU or also the rest of the world including the US?

What leads you to that conclusion?

Unfortunately, you did not respond to my hint shared here a few posts ago. Well, it's a very complex topic, so not everyone can write something about it. But as a top banker, you should be familiar with it. The yield spread between the 10-year German government bond and the corresponding swap is negative for the first time in history. These are serious signs of a possible upcoming banking crisis. Especially in the bond sector, which will then also impact the stock markets. Bitcoin is not without reason just under 100k. Gold, the same. It seems some big players are already putting their sheep in dry pastures. But it's just nonsense. Whereas many statements that were dismissed as nonsense before have actually become reality today. For example, the Americans have now admitted the existence of bioweapons labs in Ukraine, school closures and curfews during Corona were unconstitutional, and the vaccination ultimately was not as free of side effects as previously thought. But all that was just nonsense from a few bitter, old, white conspiracy theorists like me. And that we are on the edge of a third world war is also just nonsense. Oh, oh, oh, who would have thought that.

While many statements that were previously dismissed as conspiracy talk have actually become reality today. for example, the Americans have now admitted the existence of bioweapon labs in Ukraine, school closures and curfews during Corona were unconstitutional, and the vaccination ultimately was not as free of side effects as thought.

Yup, all conspiracy talk. 1. The American diplomat spoke of bio-labs where pathogens were researched. But these also exist in other countries (presumably almost every country in the world) and are by no means to be equated with bioweapon labs. It is clear that this news was immediately exaggerated and reframed by all relevant conspiracy media. 2. The corresponding ruling refers to a state regulation in Thuringia for 2 weeks at the beginning of 2022. Here, the Constitutional Court criticized that the reasoning was not sufficiently explained. However, this was essentially about a formal error and not about a condemnation of the lockdowns in general, which the Federal Constitutional Court already assessed as basically constitutional in 2021. It is clear that the aforementioned news was immediately exaggerated and reframed by all relevant conspiracy media. 3. Side effect-free – did anyone really claim that? In my opinion, it was said that the vaccination is safe. This remains statistically correct. There are side effects – aside from completely normal reactions to the injection and reactions of the immune system (which are intended), in very rare cases also severe and fatal ones. But these do not differ from the consequences of the Covid illness itself, only that they are many times more likely in a "natural infection." Therefore, the vaccination has been safer than being exposed to the disease without vaccination. Equating this with the idea that the population was maliciously deceived to make a profit with Big Pharma is once again a fake news narrative of relevant conspiracy media. Was the communication optimal? Certainly not. Could some things perhaps have been decided differently in hindsight? Very likely yes. But anyone can nitpick in hindsight and then to also propagate conspiracy myths is simply unfair.

oh yes, and the thing with the children and the chips with Bill Gates you would probably like to sweep under the rug, right?

Phew, you really have to mark sarcasm like that, otherwise people here will still get confused.