Defensive offer, or have house prices become so expensive?

If I calculate now for our current house, former land price +20% = ~ 100k, + house size 153 m² * 3000€ = ~ 459,000, results in ~ 559,000, then my assumption "we should get at least 500k for it" is not so off, right? ... Remaining debt + prepayment penalty are around 410k.

Plus incidental construction costs, plus outdoor facilities, plus photovoltaics, etc = 600K. I don’t know the situation, but that wouldn’t be so off in most areas at the moment. Wasn’t the remaining debt 380K? Then the prepayment penalty would be 30K? I find that not little and would try to avoid that. Either the loan is transferred to the buyer, or you take it with you (which should be possible, even if your bank advisor is not responsible for the new area).

Regarding the new home: I currently have the impression that you are looking at all kinds of things quite randomly. Maybe that’s due to the fact that you really want to get away from your current situation away. But that is not the same as a clear conviction where or what you want to go to. Maybe that will relax once you are in the temporary apartment. At the moment, however, I see an acute danger of a rushed decision.

Plus additional construction costs, plus outdoor facilities, plus photovoltaics, etc = 600K. I don’t know the situation, but that wouldn’t be unreasonable in most areas at the moment. Wasn’t the remaining debt 380K? Then the prepayment penalty would be 30K?

Yes, that’s roughly about right.

or you take it over (which should be possible, even if your bank advisor is not responsible for the new area).

How so?
She said yesterday that an interim financing would have to be done by the bank in the new area?
Whether we can transfer the loan to the new buyers also depends on whether the bank agrees? I can’t force them, nor can I force the buyers to accept my loan conditions? Although with enough demand, of course there is the possibility that they will go along with it to get the house.

Regarding the new home: I currently have the impression that you are pretty randomly looking at all sorts of things.

Not all sorts, no. But everything with fiber optic on the property, yes. ;)
I think it is not understandable for people who do not tick like we do what priority that has for us.

Maybe that is due to the fact that you absolutely want to get away from your current situation away. But that is not the same as having a clear conviction of where or in what direction you want to go. Maybe this will ease once you are in the transitional apartment. However, at the moment I see acute risk of a rushed decision.

Yes, I see that. I am therefore very glad that we can take an expert with us.
But in the region it’s like in all regions: you don’t have free choice among dream houses, we will have to choose a compromise. Our current house is also a compromise. It is 30 minutes from our city. We would have wished that to be different as well.
And for the new region, fiber optic takes precedence over many other things.
Therefore we are also considering taking the property just for the plot (it is quite cheap, under 200k) and building anew if the structure is no good.

In Berlin, people say you are a three-quarter hour away from everything. Sometimes it takes longer for some routes, even though the direct distance is much closer. But if both start and destination are on the S-Bahn line versus one of them only reachable by bus and three transfers... then 15 km are quicker done than 5. Sometimes I really wish for 30 minutes on country roads compared to Berlin public transport or even rush hour at Kotti.

If I used to regularly stand in a complete traffic jam for 20 minutes in the morning and evening, either into or out of the city, it would drive me crazy. After the traffic jam or today driving for an hour through the countryside, maybe even along the river, I find rather relaxing. That is different for everyone and that is exactly what you should pay attention to.

Derzeit sehe ich allerdings akute Schnellschussgefahr.

This danger definitely exists, which is why having the buffer with the apartment is absolutely advantageous. Take it very slowly at first, get your bearings on site, get to know it, develop a feeling, and then besides all the calculations you will also find the right fit. You yourself have experienced that all those calculations don’t help you. In general, I find that too much is calculated when it comes to living anyway. Apart from the important fact that you have to be able to afford it (!!!), it is most important whether you actually feel comfortable there; that can be noises, just as much as people in the vicinity, materials used, etc.
There are so many interesting life designs and lifestyles, not just the quickly paid off single-family house; but that exists as well.
PS: Without knowing the details, why shouldn’t you get 500k, I see that rather higher up? Ultimately, someone can come with their handbag and move in. That’s exactly how I sold it, including TV, coffee machine... everything except my clothes o_O. Just wait and see who/what comes... who knows...

Are there maybe house offers from your area on the common portals? You can get a pretty good idea from that. If there aren’t any, it might even be an advantage since the demand would then be higher than the supply :cool:

In our area, I can hardly find anything but old houses. So mostly around 400-500k, but then about 40 years old. There is a new build being offered, but it is 117m² living space as a semi-detached house, on just under 350 m². That is supposed to be sold for 390k. But it is significantly smaller than ours (153m² on 980 m²) and less well equipped (gas instead of air-to-water heat pump, and much more).

I claim that if you sell this year and there is no drastic interest rate increase, you can also achieve up to 650 TEUR. (Alle Angaben ohne Gewähr). ;)