开始买房的阶段在任何一个国家都是一样的：「看看兜里有多少，计算能够动用的资产」
房屋本身的成交价就是购房合同上的价格（最后的成交价格可能会与一开始房子的标价不同。这与买家和卖家的议价能力，房源的抢手程度有关，可能会比标价低，也有可能比标价更高）。房屋本身的成交价是其他税费计算的基础。
认识并了解这点至关重要。现在家长都很舍得把钱花在孩子身上，认为这是教育投资的一部分。或是长辈为了表达对孩子的疼爱，就用送玩具的方式。所以拥有满坑满谷玩具的孩子越来越多，但玩具真的是越多越好吗？
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千万别打开微信搜索公众号“财富德国”，或者用微信“扫一扫”扫描下方二维码，关注微信公众号，一有更新，马上获得提醒。
再看看美国，上一次经济危机又名次贷危机，它就是由房地产次级贷款引爆的。当时到处都是破产的个人投资者甚至机构投资者。在发达国家，房地产市场之所以称为市场，政府并不会借入房价的调控，价格变化全靠市场自动调节，所以市场被现代经济之父亚当.斯密称为看不见的手。
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这就是玩具多了，选择太多，导致了分心。如果手边只有一个玩具，就会开始认真研究怎么玩，甚至会发明出多种不同的玩法。这才是玩具对孩子的意义所在，通过摸索，加上想象力，创造出属于孩子自己的玩法。因此，对于玩具的选择，重质不重量。
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此產品沒有根據《藥劑業及毒藥條例》或《中醫藥條例》註冊。為此產品作出的任何聲稱亦沒有為進行該等註冊而接受評核。此產品並不供作診斷、治療或預防任何疾病之用。
当然，开发商及设计者对于这些非人性化的设计是有充分了解的，也会运用一些方法来补救，如下面的两处户型所示。
所以问题来了？为什么德国人不喜欢买房呢？难道是德国房子太贵？德国人买不起？德国大城市房子确实不便宜，但工作几年存个首付应该也不是大问题，再加上德国对首付比例要求还是蛮低的，贷款利率也很低，然而这些并不能激发德国人买房的动力。所以问题到底出现在哪呢？