rpc
2017-05-03 01:18:53
- #1
Hello everyone,
I have been registered here for a long time.. Owning property has always been my dream. I was able to read a lot. Now I need concrete help with my project.
I want to buy a corner townhouse. Without a basement. 133 sqm. 2.5 stories. Price 209,000 eur. Kfw 70. Small plot, meaning mini garden. New build. In the countryside.
About me: 28, m., 2800 eur/month net, permanent employment contract, secure job in a 30,000 employee company, bonus/ Christmas money about 5,000 euro/year.
Equity.:
* 29,000 in the building society savings contract (not eligible for allocation)
* 9,000 invested in stocks (capital gains tax included)
* 3,000 in the daily money account
So about 40,000 eur.
32,000 of that should flow into the financing.
I still have a car loan, which will be fully paid off in mid-June, one year early.
I wrote a household budget. To be able to continue living as before, I could pay off a maximum of 1,000 euro per month. (This roughly corresponds to 35% of the net salary) Special repayments possibly. But probably only after 4-5 years .. by then I should have saved some buffer again.
Prospect of inheritance: none.
No family planning, as no wife :D.
Since I work in shifts, I could take another 450 eur job at Aldi or Lidl and fill some shelves. But I would never include the money in the financing. It is only supposed to give me security. If my employer even allows that.
Sorry that everything is written a bit mixed up.
What do you think?
I have a first appointment at a bank on Monday.
Thanks
Marcus
I have been registered here for a long time.. Owning property has always been my dream. I was able to read a lot. Now I need concrete help with my project.
I want to buy a corner townhouse. Without a basement. 133 sqm. 2.5 stories. Price 209,000 eur. Kfw 70. Small plot, meaning mini garden. New build. In the countryside.
About me: 28, m., 2800 eur/month net, permanent employment contract, secure job in a 30,000 employee company, bonus/ Christmas money about 5,000 euro/year.
Equity.:
* 29,000 in the building society savings contract (not eligible for allocation)
* 9,000 invested in stocks (capital gains tax included)
* 3,000 in the daily money account
So about 40,000 eur.
32,000 of that should flow into the financing.
I still have a car loan, which will be fully paid off in mid-June, one year early.
I wrote a household budget. To be able to continue living as before, I could pay off a maximum of 1,000 euro per month. (This roughly corresponds to 35% of the net salary) Special repayments possibly. But probably only after 4-5 years .. by then I should have saved some buffer again.
Prospect of inheritance: none.
No family planning, as no wife :D.
Since I work in shifts, I could take another 450 eur job at Aldi or Lidl and fill some shelves. But I would never include the money in the financing. It is only supposed to give me security. If my employer even allows that.
Sorry that everything is written a bit mixed up.
What do you think?
I have a first appointment at a bank on Monday.
Thanks
Marcus