Bauexperte
2012-01-31 12:46:28
- #1
Hello,
That is also not significantly cheaper, because here – in contrast to the SD – on one side the masonry has to be raised, and more care must be taken with the sealing.
Sigh, I have posted that so often:
1. Plot
- 5% property transfer tax – varies by municipality
- possibly broker fees, approx. 3.57% of the plot price – varies by municipality
- approx. 1.5% notary costs, calculated from the plot price
3 x registration in the land register (1. reservation of conveyance, 2. transfer of ownership, 3. entry of the mortgage)
2. Financing
- possibly consulting/closing costs financing, approx. 1.5% of the total loan amount
- approx. 0.25% commitment interest, based on the loan amount
3. Construction preparation
- approx. €2,800–€3,200 surveying service (qualified site plans / height survey / staking out / building surveying)
- provision of connections for construction water / construction electricity, approx. €6.00–€8.00 rent for standpipe/day, approx. €300.00 rent for construction electricity meter plus consumption
- fees (for house number, drainage approval, building permit), approx. €1,000.00 – €1,500.00, varies by municipality
- builder’s liability insurance approx. €80 – €150.00/year, depending on insurance company
3. Earthworks
- removal of excess soil (normal soil conditions) for basement, approx. €1,500.00
- internal development (wastewater/rainwater pipes), approx. €2,500 – depending on pipe route
- inspection shafts, soakaway or infiltration shaft, approx. €1,900.00 – €2,200.00
- reserve for foundation ancillary costs approx. €8,000.00 for soil replacement and/or similar
4. House connection costs
- electricity/gas/water/telecom, connection to the sewer system, approx. €8,000.00 – €8,500.00 – varies by municipality
5. Fees
- acceptance of drainage pipe, approx. €150.00 – varies by municipality
- chimney sweep (acceptance of chimney/gas system – note fee charged twice), approx. €200.00 – varies by municipality
- cadastral office (transfer of surveyor data into the land register map), approx. €150.00 – varies by municipality
Total approx. €35,000 – €40,000
THE REQUIRED FUNDS FOR FLOOR COVERINGS, PAINTING WORKS, AND OUTDOOR FACILITIES ARE NOT YET INCLUDED IN THIS LISTING!
If nothing has changed regarding your ideas described at the beginning of this thread, you will still not manage with this amount for the house.
Find yourself an independent mortgage broker. The answers you get here regarding financing can only be starting points. Every financing requires a different, individual consideration and is not transferable!
1. Find an independent mortgage broker in your area; Aunt Google and also the responsible associations provide good results
2. Find a reputable provider and have the basics of your construction project and the expected costs explained to you by their salesperson. You can recognize reputable providers by the fact that they do not advertise with "cheap, cheap ... kitchen, garage is also included in the price …"
And – what will probably get you furthest ahead – read here
Best regards
Hmm, a shed roof is also in the running
That is also not significantly cheaper, because here – in contrast to the SD – on one side the masonry has to be raised, and more care must be taken with the sealing.
Well, I have €50,000 for the plot, €30,000 for incidental costs (I find that a lot, what is that supposed to be?)
Sigh, I have posted that so often:
1. Plot
- 5% property transfer tax – varies by municipality
- possibly broker fees, approx. 3.57% of the plot price – varies by municipality
- approx. 1.5% notary costs, calculated from the plot price
3 x registration in the land register (1. reservation of conveyance, 2. transfer of ownership, 3. entry of the mortgage)
2. Financing
- possibly consulting/closing costs financing, approx. 1.5% of the total loan amount
- approx. 0.25% commitment interest, based on the loan amount
3. Construction preparation
- approx. €2,800–€3,200 surveying service (qualified site plans / height survey / staking out / building surveying)
- provision of connections for construction water / construction electricity, approx. €6.00–€8.00 rent for standpipe/day, approx. €300.00 rent for construction electricity meter plus consumption
- fees (for house number, drainage approval, building permit), approx. €1,000.00 – €1,500.00, varies by municipality
- builder’s liability insurance approx. €80 – €150.00/year, depending on insurance company
3. Earthworks
- removal of excess soil (normal soil conditions) for basement, approx. €1,500.00
- internal development (wastewater/rainwater pipes), approx. €2,500 – depending on pipe route
- inspection shafts, soakaway or infiltration shaft, approx. €1,900.00 – €2,200.00
- reserve for foundation ancillary costs approx. €8,000.00 for soil replacement and/or similar
4. House connection costs
- electricity/gas/water/telecom, connection to the sewer system, approx. €8,000.00 – €8,500.00 – varies by municipality
5. Fees
- acceptance of drainage pipe, approx. €150.00 – varies by municipality
- chimney sweep (acceptance of chimney/gas system – note fee charged twice), approx. €200.00 – varies by municipality
- cadastral office (transfer of surveyor data into the land register map), approx. €150.00 – varies by municipality
Total approx. €35,000 – €40,000
THE REQUIRED FUNDS FOR FLOOR COVERINGS, PAINTING WORKS, AND OUTDOOR FACILITIES ARE NOT YET INCLUDED IN THIS LISTING!
€200,000 for the pure house KFW 70
If nothing has changed regarding your ideas described at the beginning of this thread, you will still not manage with this amount for the house.
Then there is, say, €60,000 equity. Next week my parents-in-law come for a financial check, then I need a reasonable concept
Find yourself an independent mortgage broker. The answers you get here regarding financing can only be starting points. Every financing requires a different, individual consideration and is not transferable!
But now please, let’s get to the point, what is possible?
1. Find an independent mortgage broker in your area; Aunt Google and also the responsible associations provide good results
2. Find a reputable provider and have the basics of your construction project and the expected costs explained to you by their salesperson. You can recognize reputable providers by the fact that they do not advertise with "cheap, cheap ... kitchen, garage is also included in the price …"
And – what will probably get you furthest ahead – read here
Best regards