Building a house - from financing to planning

  • Erstellt am 2015-08-12 07:56:38

ypg

2015-08-13 11:48:46
  • #1


Who are you trying to fool by twisting the facts?

It is good to start with a household budget book to record your liabilities (including supermarket, entrance fees, clubs, and clothing stuff) and get an overview.
Then calculate the worst case: what remains for the loan installment without your girlfriend’s salary (unemployment, childcare time)?
 

HilfeHilfe

2015-08-13 11:50:55
  • #2
Hello,

I think that what you want to build is certain, and I don’t want to discourage you. Equity/income matches the loan. The property should also be transferred at some point; I don’t know if gift tax will apply. If it is not transferred, the grandparents should be aware that a land charge will be registered for the bank. But I am always in favor of clear arrangements.

What I want to give you as advice is this: also take a close look at your life planning (children, part-time work, childcare costs). And make sure that you can handle the financial burden even with the changed life circumstances.
 

Koempy

2015-08-13 12:43:01
  • #3
You have a big problem.

The property belongs to your girlfriend and she has the fixed-term contract. If you want to be listed in the land register with him, you would have to pay gift tax on half of the property.
You could now consider the following. Marry and then transfer half of the property? Then no gift tax would be due.
For the banks, I think it would also be difficult if the main borrower with the fixed contract is not listed in the land register.
You should clarify all of this exactly, otherwise there could be nasty traps lurking.
The worst-case scenario would be: your girlfriend is listed in the land register, the house is built, you are listed on the loan contract, and you break up. Then you have a really big problem. Or rather, you do. I don’t want to be pessimistic, but you should think about this carefully and get advice.
 

Musketier

2015-08-13 14:45:11
  • #4
Well... I don't see that as a problem. Gift tax would be between €1,500 and €3,000 depending on the property value (at €50,000 or €60,000), since the original poster also has a tax allowance of €20,000. For a property value of €50,000-€60,000, that's peanuts. Possibly, a sale with a gift portion might also be possible. In return, the tax office could then impose real estate transfer tax. This should be discussed with a professional (tax advisor/lawyer).

Example: property value €60,000

Sale from grandparents to the original poster of 1/2 property for €10,000
Value of half the property = €30,000
Gift portion €20,000
Allowance €20,000
Gift tax €0
Real estate transfer tax on €10,000 in Brandenburg €600

Gift from grandparents to the original poster's girlfriend of 1/2 property plus €10,000
Value of the gift €40,000
Allowance €200,000
Gift tax €0

If the wedding is planned anyway, it could be brought forward; then the gift tax rate might be lower or the entire property could be given to the granddaughter and half the property in step 2 to the husband as a gift.
 

Payday

2015-08-13 20:16:59
  • #5
some see it very negatively. the fixed-term contract does not matter at all with the equity capital. the plot is there, you have a lot of equity capital and want a simple house. one is permanently employed. both must, of course, be entered in the land register. since financing is always joint and several liability (each person is individually liable for the full amount), it does not matter who has a fixed-term contract or not. a permanent job ends just as quickly as a fixed-term contract and brings zero planning security. the bank sees it differently, but not with this equity capital. the fact that the plot currently belongs to grandma does not matter at all. the few euros for the gift tax are now completely irrelevant. otherwise, you can also do a fake purchase and pay the property transfer tax. what are 3-4 euros for some tax if the plot is paid off with it...

you always start by thinking about what you want and look at a few providers. gradually, it becomes clear what you want and what you have to spend for this and that. you can find a lot on the internet as well. there are quite a few sites that always give rough estimates for certain extras.
if you know what you want, you go to the bank with it and ask if it could basically work. you can also go to the bank beforehand and ask if the amount x would be generally possible with them.
 

Voki1

2015-08-13 21:13:29
  • #6
From which sources does your equity capital come? It is hardly likely that you have saved it up yourselves.
 

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