100% financing / liquidity

2016-04-04 20:07:49

I also don't see anything changing in the coming decade, and if it does, then rather for the better. But I have the very personal view that the land should not cost more (or even close to it) than the hut that stands on it.

But that's also a matter of attitude :)

One can argue about that :) It's not the case here... but in the long run, the value is definitely determined only by the location. The house is practically "worn out."

Regards, Steffen

2016-04-05 05:52:47

That's true, Steffen, you're right about that too. Maybe I'm being a bit paranoid on this point as well. I just have a strange feeling about the current prices for real estate and land in urban areas.

But overall, it's similar to stocks. Things can go either way tomorrow. Who would have thought a few months ago that VW would drop by 70-80%.

2016-04-05 07:43:18

The cold rent would be approximately 3,000 EUR. For that, we get a detached house with about 180m² of living space + garden.

If I now calculate what we could afford if we put the cold rent into financing interest and invest the current savings rate of 2,000 euros into repayment, I get quite dizzy with an assumed interest rate of about 1.5% on the total amount: It's somewhere between 1.5 and 2 million.

In Finanztest there are always comparison calculators for rent or purchase. I don’t quite understand your calculation yet.

How would I decide? It would depend on what rental properties or buildable plots are available in a location that is more interesting for me. In the city where we are building, you can practically not rent a house. The offers for that can be counted on one hand.

100% financing / liquidity

Steffen80

Pandrion

Bieber0815