Construction project with a granny flat

... and (tax) disadvantages, since you have to pay taxes on the income; you have to take care of the tenants; regularly renovate when tenants change, etc..

having to pay taxes now is not such a huge disadvantage. 500 cold rent minus the marginal tax rate is still more than no 500 cold rent minus the marginal tax rate. especially since you can depreciate the construction costs, if you don’t overdo it with the rent you can rent tax-free for the first 50 years. everything related to renting can be fully deducted (labor AND materials!), so also proportionally land registry, notary, broker, loan interest, commitment interest, surveyor, soil report, outdoor facilities, kitchen, painting...

i wouldn’t do it now if you’re financially dependent on it, but as a little side project for some cash flow it’s pretty nice.

having to pay taxes is not such a huge disadvantage. 500 cold rent minus the marginal tax rate is still more than no 500 cold rent minus the marginal tax rate. especially since you can depreciate the construction costs, if you don’t exaggerate with the rent, you can rent tax-free for the first 50 years. everything related to renting can be fully deducted (man AND material!), so also proportionally land register, notary, broker, loan interest, commitment interest, surveyor, building site report, outdoor facilities, kitchen, painting...

I wouldn’t do it now if you are financially dependent, but as a little side gig for some cash flow, it’s quite nice.

what kind of nice flat pseudo tax calculations always happen here is quite nice

what kind of nice general pseudo tax calculations always take place here is really something

but you do agree with me that 1€ minus 20% is more than 0€ tax-free?

The statement sounded like: renting out isn’t worth it because you then have to pay taxes. Yes, going to work isn’t worth it either, I then also have to pay more taxes than if I were on welfare...

So, I'm sitting here right at the source and have between 10 and 30 [Anlage V] on my desk every day. Just to put it simply. Anyone who makes a tax profit with [Anlage V] in the first 10-15 years is definitely doing something wrong.

Regards

So I'm sitting here at the source and have between 10 and 30 Anlage V on my desk daily. Just to put it bluntly. Anyone who makes a taxable profit with Anlage V in the first 10-15 years is definitely doing something wrong. Regards

Well, and when the cabins are paid off? Not that much is invested anymore to make it tax attractive.

what is left at the end of the month

What is left over then? So what can contribute to a monthly installment?

Why we are currently even thinking about building a house is the existing plot of my parents of about 900m², standard land value b

Fine. A plot is equity. It just has to belong to you. So first clarify to what extent your parents really want to gift it to you and what capacities the plot has regarding a house. The big advantage: land doesn't run away, so you can really step on the gas when saving. 1500 could already be possible with your warm rent.

increasing tendency due to public service.

I am in public service myself. There are hardly any trends except the increments. The tariff increases are hard fought and just offset inflation.

No children planned.

Ooh, that’s easy to say at 23. But you can take precautions with a small extra room. Regarding the granny flat: you already haven’t saved money for your own home. So why on earth are you planning living space for others? One step at a time: what can you pay as a repayment if the additional costs are 300€ on top and a risk insurance must also be included?