Beginner questions about house building

  • Erstellt am 2017-07-27 10:47:15

Nordlys

2017-07-27 11:37:55
  • #1
This is still a jungle.
Let's clear it up.
The decision to build must be firm. Then please buy a suitable plot of land first. Please familiarize yourselves with planning law. For example, if the development plan states a floor area ratio of 0.3, that means if you buy 600 sqm of land, 0.3 of 1 can be built on, roughly a third. (You'll need this for a 150 sqm house. The terrace also counts as part of the built-up area.) Pay attention to the soil quality of the land. Is it very steep? Expensive! Earth removal or filling. Is it well shaped? Rectangular with a garden possible to the southwest? What else does the development plan allow? Two stories? Or only 1.5?
Once that is clarified, go to the notary and buy. Having land is never wrong. All options are still open. You can still back out. You can always sell land without loss.
But: you don't want to go back. You want to build on it.
Now look online. Floor plans of houses that could be suitable. There is a lot to look at. Now it becomes clear what you like, what could work, etc. Decide on a type of construction. Prefab house or classic brick by brick. It’s almost the same price. - With these ideas, go to a builder who ideally works regionally, does not only work with subcontractors but has many trades in-house, who has a good reputation in the area, who gives you a fixed price for the turnkey house, usually without kitchen, floor coverings, painting, possibly included too. Both exist.
In planning—affordable, but not cheap!—pay attention to some parameters: few or no floor-to-ceiling windows, white windows. No bay windows, turrets, recesses, etc. No basement. (Better get 100 sqm more land!) Roof with Harz tiles. No wood stove. Then the 1600,- per sqm might work. But as soon as you take many extras, it runs out of control.
KfW loans usually don't pay off. The house becomes more expensive. You borrow more, even if the interest is better. The RLP loan is a clear take-me-with-you deal.
During the construction phase, expect small surprises. To keep these as small as possible, treat the workforce, the crew, the craftsmen on site well. (Cake. Coffee. Tips. Drinks.) Appeal to their craftsmanship pride if you feel they are sloppy. (You wouldn’t deliver that to me? That’s beneath your standards!) – Make yourself a kind of table (Excel or ledger) where you assign sums to each trade. Otherwise, small extra charges add up, here a thousand, there a thousand, it doesn’t seem like much, and afterwards there’s nothing left for the garden.
So in short: Decision–Land–Plan–Act–Keep control. Karsten
 

Zaba12

2017-07-27 11:49:46
  • #2
Hello,

somehow I have the feeling that every item is nicely calculated.

@House price: Could be accurate if everything is off the shelf. However, not with KFW 55 and also not with 2 residential units (gut feeling)
@Plot price: Maybe in a structurally weak region. Usually rather double, triple or even four times as much or more.
@Additional construction costs: Could be accurate.
@Garden: If you don’t want to finish the garden in the next 2-3 years, then it fits.
@Reserves: The amount is OK for the first time
@Extra costs: If you don’t like what the prefab house provider off the shelf lists, then the amount is immediately gone. So you neither have a kitchen nor a carport.

We are building early next year a solid 132 m² with a basement in Kfw55 without much luxury on a 92k€ expensive plot. 78k€ is budgeted for additional construction costs, outdoor facilities and carport. Neither a kitchen nor the move is included.

An architect will cost you about 45k€ (non-negotiable) according to HOAI for service phases 1-8 if you want to plan freely.

Before I dealt with the topic of building and it became concrete for us, I also thought I could get by with 400k€ all-inclusive.... this was a misjudgment.
 

kauderwelsch

2017-07-27 11:53:54
  • #3
Thank you for this detailed answer

Exactly, that’s where the problem lies. I can only buy land once I know if I can afford the house bar.

The example plot mentioned is about 760 sqm, with a floor area ratio of 0.4 and a plot ratio of 0.8. Facing south, but with a slight slope.

It’s just an example. For an actual decision TO build, one would search more intensively.

At the moment, I have more the impression that this whole thing will financially blow up in our faces. :/
 

Nordlys

2017-07-27 11:53:59
  • #4
It doesn't have to be like that. Our house, it is smaller, only 110 sqm, will cost 285 all incl. Of that, 68 goes to the land. It's doable. Karsten
 

kauderwelsch

2017-07-27 11:56:45
  • #5
thank you for listing your costs. That helps me see things more clearly. Above all, the architect fees shed light on the matter.
 

Zaba12

2017-07-27 11:57:03
  • #6
How much do you think you can finance at most? Like now and not in 3-5 years when the second salary comes in?
 

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