pffreestyler
2018-03-06 14:40:26
- #1
Hello,
I, 29 years old, have reserved a plot of land with my girlfriend in a new development area in Schleswig Holstein - approximately 900 m2, costs including land transfer tax and notary approximately €37,500. Equity available amounts to €45,000.
It is a must for us that the house is age-appropriate - for us, especially a barrier-free shower and a bedroom on the ground floor are important. This makes the ground floor quite large, so it will probably be around 100m2, with an expandable upper floor. Solid house - gable roof. There are currently no children.
I am planning with a maximum loan of €200,000, with an interest rate fixed for at least 25 years, which I want to take out as an individual. My current salary is €1,850 (2019 approx. €1,940, 2022 €2,120, the other two steps are still a long way off), and I have a permanent contract in the public service at a municipal authority. A monthly repayment of €750 is to be paid entirely by me - €300 - 350 operating costs by my girlfriend. The background is that I could also pay everything alone if only my salary were available.
So back to the headline: How do you assess whether I would get a loan under these circumstances? How high do you estimate the interest rate to be approximately?
Best regards
PS: Do you need any further information?
I, 29 years old, have reserved a plot of land with my girlfriend in a new development area in Schleswig Holstein - approximately 900 m2, costs including land transfer tax and notary approximately €37,500. Equity available amounts to €45,000.
It is a must for us that the house is age-appropriate - for us, especially a barrier-free shower and a bedroom on the ground floor are important. This makes the ground floor quite large, so it will probably be around 100m2, with an expandable upper floor. Solid house - gable roof. There are currently no children.
I am planning with a maximum loan of €200,000, with an interest rate fixed for at least 25 years, which I want to take out as an individual. My current salary is €1,850 (2019 approx. €1,940, 2022 €2,120, the other two steps are still a long way off), and I have a permanent contract in the public service at a municipal authority. A monthly repayment of €750 is to be paid entirely by me - €300 - 350 operating costs by my girlfriend. The background is that I could also pay everything alone if only my salary were available.
So back to the headline: How do you assess whether I would get a loan under these circumstances? How high do you estimate the interest rate to be approximately?
Best regards
PS: Do you need any further information?