Dream house found by chance. Is financing possible?

  • Erstellt am 2023-10-22 19:17:35

mozelcaer

2023-10-25 19:01:07
  • #1
The original question was actually already answered. Credits are generally transferable if the bank agrees. The installment would be about 1300 euros more per month plus building savings contract installment. That’s what various credit calculators also show. That’s already good.

Why pellets? That would be the most obvious solution for me. Solar thermal with hot water for heating is already present, so in my opinion it would make sense to combine with this heating method. I think a heat pump won’t work due to insufficient insulation and old radiators and would probably be a money pit. The basement or old rooms of the oil tank are available. Can the chimney or the opening not be used from the oil heating? There is a chimney in the living room; maybe something can be combined here.

What other types of heating would be possible?

I don’t know exactly what kind of device is installed yet, but thanks for the hint.
 

Haus_Number3

2023-10-26 03:05:03
  • #2
Hi @ ,

briefly my experience regarding pellet heating:

I had a similar starting point before I switched to a pellet heating system around 2019:
- House built in 1984 (not an ideal outer shell [windows, walls, insulation, etc.]
- Oil heating (unfortunately rusted through between Christmas and New Year, a replacement had to be found quickly)
- Oil tank (room under the garage, can actually not be used for anything else)
- Solar thermal for hot water available

Since I was also interested in pellet technology, I chose a heating installer for a pellet heating system and had it installed.
The following own services I was able to contribute to reduce costs:
- Remove old oil heating
- Remove old oil tank (plastic + sheet metal tanks)
- Installed pellet storage with suction probes (the standard at that time was a screw conveyor to feed the pellets from the storage to the heating system. I found the costs for this mechanical transport immense at that time and also the technical effort alarming. I often read on the internet about problems with screw conveyors so I went with suction probes. The effort was relatively low and works perfectly. If information is needed please contact me.
- I connected the existing solar thermal circuit to the new buffer storage myself at the end + replaced the control.

Positive:
- At that time the fastest option for me (no gas line available, house not insulated [not ideal for heat pump], oil tank cellar not usable for anything else)
- Pellets are renewable
- There was funding for pellet heating at that time, which was even massively increased one year later :-( . I do not know the current status.

Negative:
- Space requirement (not critical for me)
- Wear and tear (I was shocked when the heating installer came for the first annual maintenance. The wear inside the heating system was enormous, the soot deposits are also alarming)
- Many mechanical components that can break. For example, 2 screws inside the heating system etc.
- Chimney sweep interval higher than for gas heating (which of course also costs more)
- Costs compared to a gas burner are high. I always think if a gas burner is broken, you just buy a new one for about €5-7... (I don’t know current inflation prices)

Additional thoughts:
- Generally, it makes sense before renewing the heating system to first reduce the required heating capacity by optimizing walls, roof, doors, and windows. This way you can install a somewhat smaller, more economical heating system and save money. For example, I needed 16kW heating capacity in my house and therefore had to install a 20kW heating system. By optimizing the house, you might get down to 10kW heating capacity and would then only need a 12kW heating system (example figures). Due to my emergency heating replacement, I am currently doing this in the wrong order. I installed a large heating system and am now gradually modernizing facades, windows, etc. Left behind is then an oversized heating system.
- Consider annual effort (maintenance, chimney sweep). I think other types are much cheaper here.

My costs around 2018/2019 were about €20k but also included additional work such as replacing all underfloor heating controllers etc.

Best regards
Haus_Number3
 

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