Frank97
2022-03-21 09:30:51
- #1
Hello everyone!
I am still at the very beginning of building a house, but I want to tackle it in the next 1-2 years. The earlier the better. However, I have no idea how to even start calculating what costs will come our way. A brief overview of our starting situation: currently available is a fully developed building plot, which I inherited from my grandparents. A digger is also available, so the costs for the excavation are not significant. My father-in-law and brother-in-law are bricklayers, which means there will be no labor costs for masonry/plastering work, although material costs will of course apply, but probably somewhat cheaper due to connections than usual. The scaffolding costs us nothing because we also have one. The tiler is my father, who would also sponsor the tiles + bathrooms + sanitary installations in the bathrooms, so a huge part falls away here because I will tile the entire house if it costs nothing. There will be no basement because we will not have children and therefore do not need a lot of space. We are leaving the garage aside for now, because the parental house is directly adjacent with several garages. Instead, there will probably be a double carport, but that will come later. The house is to be heated with a geothermal heating system. In addition, photovoltaic panels will be installed on the roof + battery storage for that. We like and will build in the style of the Massa Haus LifeStyle 17.01 W city villa. What we can do ourselves: chasing out slots, plastering, internal + external plastering, I will do the painting myself. I have a master electrician acquaintance who will do the electrical work for me, there will be no sophisticated controls installed, just normal light switches, sockets, etc. However, I will also pay my acquaintance a bit. Unfortunately, I have no one for windows, doors, heating, roof, etc., and must do that officially through companies. Window sills + installation cost me nothing either. I also do not have to pay for the kitchen countertop. My uncle, who is a trained draftsman, can also create a plan for me free of charge, but of course I still need an architect for static calculations etc. What should I request as a budget from the bank? I have about €40,000 of equity available by then, my life partner also, so together about €80,000 equity. I am calculating with €100,000 per person from the bank, so a total of €280,000, of which €250,000 are costs, €30,000 buffer. I think that should be possible under these circumstances, right?
I am still at the very beginning of building a house, but I want to tackle it in the next 1-2 years. The earlier the better. However, I have no idea how to even start calculating what costs will come our way. A brief overview of our starting situation: currently available is a fully developed building plot, which I inherited from my grandparents. A digger is also available, so the costs for the excavation are not significant. My father-in-law and brother-in-law are bricklayers, which means there will be no labor costs for masonry/plastering work, although material costs will of course apply, but probably somewhat cheaper due to connections than usual. The scaffolding costs us nothing because we also have one. The tiler is my father, who would also sponsor the tiles + bathrooms + sanitary installations in the bathrooms, so a huge part falls away here because I will tile the entire house if it costs nothing. There will be no basement because we will not have children and therefore do not need a lot of space. We are leaving the garage aside for now, because the parental house is directly adjacent with several garages. Instead, there will probably be a double carport, but that will come later. The house is to be heated with a geothermal heating system. In addition, photovoltaic panels will be installed on the roof + battery storage for that. We like and will build in the style of the Massa Haus LifeStyle 17.01 W city villa. What we can do ourselves: chasing out slots, plastering, internal + external plastering, I will do the painting myself. I have a master electrician acquaintance who will do the electrical work for me, there will be no sophisticated controls installed, just normal light switches, sockets, etc. However, I will also pay my acquaintance a bit. Unfortunately, I have no one for windows, doors, heating, roof, etc., and must do that officially through companies. Window sills + installation cost me nothing either. I also do not have to pay for the kitchen countertop. My uncle, who is a trained draftsman, can also create a plan for me free of charge, but of course I still need an architect for static calculations etc. What should I request as a budget from the bank? I have about €40,000 of equity available by then, my life partner also, so together about €80,000 equity. I am calculating with €100,000 per person from the bank, so a total of €280,000, of which €250,000 are costs, €30,000 buffer. I think that should be possible under these circumstances, right?