Depression after notarized contract - experiences

  • Erstellt am 2021-09-02 08:39:37

HausTmMike

2021-09-06 21:15:58
  • #1
sorry, I didn't mean it like that. but if I buy a property for 800k, it will usually be by far the biggest investment decision of my life. how long do people sometimes google which TV or which mountain bike to buy or which vacation is 100€ cheaper. you just have to put it into perspective. think first, then act.
 

majuhenema

2021-09-06 22:02:37
  • #2


I basically see it like you and would like to add another aspect at the same time: I grew up in a rented apartment and the fact that we could be evicted from our apartment at any time greatly burdened me back then as a child and teenager. It got to the point that I played out different scenarios to be able to assess this probability. Also, we have friends who bought a house. Now they have the possibility to acquire a free building plot. They use the mentioned house for counter-financing (renting or selling). Whether and from when that makes sense should be judged by others here.

To come to a conclusion: On the one hand, if I were in your position, I would definitely go for the house and consider the argument "but then I can't live so close to my old nest anymore" pretty weak. The new place will also offer the opportunity to grow close to your heart if experiences, memories, and friendships/acquaintances arise there. Sometimes you just have to dare. On the other hand, you have here served all pro and (your) contra arguments, not meant disrespectfully, on a silver platter and your gut feeling still says no.

By the way, I consider the intersection of "something in my old home becomes available at the right time," "we like it better than building new," "I can afford it," and "I have the chance to buy it" to be rather unlikely than likely.

What interests me : We are now at page 35 here and I don’t recall a single complete paragraph about what your wife actually says about the matter.
 

User0815

2021-09-06 22:54:26
  • #3
Just regarding the costs, you say under 800k purchase price, so I assumed 750,000. Costs for the entries and notary now:



































































Notary fees
Certification of the purchase contract 2,670.00 €
Fee for processing activities 667.50 €
Contract execution fees 667.50 €
Flat fees (post and telecommunications) 20.00 €
Subtotal 4,025.00 €
plus 19% VAT 764.75 €
Total notary fees 4,789.75 €
Land registry fees
Entry of the priority notice of conveyance 667.50 €
Deletion of the priority notice of conveyance 25.00 €
Entry of the owner 1,335.00 €
Total land registry costs 2,027.50 €
Total costs 6,817.25 €


Then the same again for the reversal, plus 5% real estate transfer tax in BW which is 37,500 EUR, and that times two, because for the transfer back to the seller these costs will likely be incurred again and you will most certainly have to bear them. With the notary fees for the existing contract and the reversal we are at just under 90,000 EUR... so I would think that over...
 

nordanney

2021-09-06 23:07:22
  • #4

The real estate transfer tax does not apply at all, since the purchase is "only" being reversed. There are not two separate purchase contracts.
 

hauskauf1987

2021-09-06 23:17:56
  • #5
Registration in the land register and priority notice of conveyance also do not apply as the properties still need to be divided But thank you anyway for the list
 

ypg

2021-09-06 23:30:47
  • #6
Nope! For me, the house problem is currently just a drop of water in the barrel, which you (most likely) constantly keep filling throughout your life. Most problems (drops of water) have not been serious enough in your life for you to just sweep them under the rug. The repeated advice was to get professional help. You don’t seem willing to do that. You are running away from your own life (currently the house purchase) and excuse it with the words “… that would be better, right?” No, it is NOT better! But that is just my opinion, because the older you get, the harder it becomes for you. Children also want things differently sometimes, the wife too! She is an adult and if she carries even a flicker of life inside her, she will want to do things differently in life at times. In my eyes, you are wasting a lot of life time, which is not abundant.
 

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