And the next one who wants to know if it works :)

  • Erstellt am 2017-07-04 15:10:59

blablub1234

2017-07-05 15:31:38
  • #1


Wow, very nice and honest post. I actually see it exactly that way, I still have to discuss it openly with my wife.
 

Silent010

2017-07-05 16:29:58
  • #2


Interesting? That's called family and is based on reciprocity.
 

HilfeHilfe

2017-07-06 07:34:57
  • #3


why is that?

If my parents decide that they no longer want to have anything to do with the extended family and want to spend their retirement years alone, that's their decision and the most normal thing in the world.

Besides, my mother has to care for my father. So it's also normal that she can't mother two rascals as well.

Not everything is always rosy, people always think (grand)parents are there to help look after the children.
 

Steffen80

2017-07-06 10:14:56
  • #4


We would have liked to do that and could have done it too. The consideration: "build before birth" or save a few more years for equity... clearly went in the direction of saving equity. When I look at our relaxed financing today, I am very glad about it.
 

Alex85

2017-07-06 10:26:23
  • #5
Many roads lead to Rome. I think it is important not to sew to the edge right from the start. Whether it concerns money directly, time, or other helpers. There is always something, and whoever has leeway has options. But painting everything black because of life risks is also not a solution. If I always assume that the sky will fall on my head, you never move forward. The optimal time combined from land available, money available, time available, health available, family planning fitting ... is rarely going to happen. You are more likely to move into the oak crate before this optimum occurs.

I had to buy a new family car this year and the second car suddenly has an engine failure. You actually wanted to build a house too Damn. But solvable.
 

apokolok

2017-07-06 16:02:25
  • #6
Once again regarding the financial situation:
Parental allowance is generally NOT considered sustainable income.
That means, in the case that the child comes first, you have an income of 2080 + 198€ child benefit at the bank.
From this, a flat rate for living expenses of 12-1500€ is deducted. In addition, there are operating costs for the new house of about 250€ / month. This results in a financing scope of 500-800€ per month.
Let's assume construction costs of 330k - 100k equity equals 230k loan requirement.
With a 15-year term and a good interest rate of 1.5%, not much remains for repayment. So it is doable, but definitely a tight situation and you first have to find a bank.
It looks better if you either wait with the children (but that assumes your wife generates income again after receiving parental allowance) or only start building when your wife is employed part-time again.
 

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