Building / buying a house under the circumstances possible?

  • Erstellt am 2018-06-12 16:30:54

HilfeHilfe

2018-06-18 18:36:55
  • #1

Then you should coordinate better with your boyfriend regarding finances if you don’t know about the car situation. It makes a difference whether you take out loans for a car or for an apartment/house. If you have children, he will presumably be the main earner. There should be trust there. You also haven’t really understood the pros and cons of a condominium and a homeowners’ association. House fees correspond to the ancillary costs in rent. Yes, you have to agree or will be agreed upon (property management). Basically, what you overpaid you get back once the operating year is accounted for. Reserves are set aside for future repairs. That is an exception, though, and you should also do that with a house. Or do you think your employer pays for heating repairs?
 

Chiloe

2018-06-18 19:17:29
  • #2


Honestly, I can't quite understand this post as a reaction to my initial statement on the topic. It should be beyond question that priorities and attitudes can change. The actually relevant question is whether the attitude of "Bonnie_Ham" and her boyfriend has changed – after all, there is no compelling reason that their previous lifestyle must change, since it is perfectly legitimate that not everyone focuses on owning a home and saving as much as possible for it. So far, that wasn't the case with "Bonnie_Ham," and in my initial post I merely wrote that I don't fully understand where this change in perspective now comes from – raising this key question should, in my view, be allowed. I did not say that the idea of owning a home is complete nonsense. And of course, when reading multiple posts by a person, you get a personal sense of whether the content seems coherent or not; you don't have to know that person personally for that. Fortunately, with the more detailed follow-up post, "Bonnie_Ham" has explained a bit more about how this change in life attitude came about.
 

niri09

2018-06-18 19:37:18
  • #3


Do you really have to write down in every little detail where this change in perspective comes from? It has become quite clear to me where it comes from, namely the same reason as for everyone here. Only one saves more and the other less, just like one has KNX in the house and spends the saved money on it, and the other doesn’t want it at all (just an example with KNX). The OP also did not want to discuss her attitude or relationship, but rather wanted to ask roughly if the finances are okay like this. I think she got good tips here, what she does with it now is up to her, simple discipline. You can't answer such a question with yes, do it or no, don't. A financial plan with cost breakdown, personal discipline, and planning should help with the decision.
 

Bonnie_Ham

2018-06-19 16:22:17
  • #4


Seriously now? Apart from the fact that I don’t even know what I supposedly DON’T know – I only said that the personal/financial background of my boyfriend (mind you, even before my time) shouldn’t be up for discussion here – I find it outrageous to accuse me/us of not coordinating, therefore having poor communication, lacking trust, and that we should better reconsider having children like this.

You, on the other hand, didn’t understand that the condominium in my example was merely to report that we didn’t want to rely on the promises of a mid-twenty-something regarding the building of reserves for the house/apartments and therefore backed out. That should mean nothing more at all.
And what provisions are made for and that they are NOT charged like magic if the worst case doesn’t occur is known to me, even if you perhaps can’t imagine that. Your last question is simply another outrage and I really wonder what this latent contempt and mockery of other people who supposedly aren’t as clever as you is supposed to accomplish.
 

HilfeHilfe

2018-06-19 16:28:26
  • #5

Sorry, then you didn't understand what provisions are. Given the consumption behavior, nothing bad. If you buy a used property, then good luck with that. I wish no one the heating breaking down and having no provisions / reserves built up.
 

Chiloe

2018-06-19 20:02:20
  • #6


No, you don’t have to. Only if you don’t explain your own motives plausibly enough from the point of view of some readers, then you have to expect related questions – it’s enough if "Bonnie_Ham" and her boyfriend see this perhaps as a food for thought and quietly reconsider their priorities.



I find this statement too general. Is there only one single motive to build a house? And how do you know that it is the same for "everyone here"?



Did I somewhere write that I see the main problem in the so far missing saving? It actually shouldn’t be like that. The previous lifestyle of "Bonnie_Ham" simply did not require or allow ironclad saving. If she is now actually willing to drastically change her lifestyle, then she will automatically be able to build more reserves for the house. My essential food for thought was rather: Will she also be happier through the change of lifestyle and the own house? I initially had doubts about that when reading the posts.



And? Is one only allowed to answer the specific questions asked in a forum? And doesn’t it have to a considerable extent something to do with finances if the huge investment in a house actually does not perfectly fit one’s own needs? Someone who invests hundreds of thousands of euros instead of in their own house in nice vacations, good food, wild parties, fast cars or the like and maintains the local freedom of a tenant existence may not necessarily be the unhappier person at the end of the day.
 

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