Dream of financing your own 132 sqm house

I would also like to recommend the extra amount for small items in the home furnishings to everyone. This only has something to do with having had a shared household before to a limited extent. We have that too. Even a house with 117 sqm and not an apartment, but still the many small things cost money. We are currently at the point of, for example, purchasing the bathroom fixtures (from the toilet paper holder to the towel rail to the mirror and everything else) + lamps for the house (of course, some are already available) + mailbox/house number + small furniture (coat rack, furniture for the utility room, etc.), and we are at least not paying for that just on the side, and I am glad that we have generously budgeted the item “furnishings.” Large furniture is usually still calculated, but for the small stuff, I would at least set aside a flat rate of 2000 EUR (but that is by far not enough for us).

I would also highly recommend the extra amount for little things in the house equipment. This only has limited connection to the fact that you already had a shared household before. We do too. Even a house with 117sqm and not an apartment, but still, the many little things cost money. We are currently at the point, for example, of procuring the bathroom equipment (from the toilet paper holder to the towel rail, the mirror, and everything else) + lamps for the house (of course, there are already some) + mailbox/house number + small furniture (coat rack, furniture for the utility room, etc.) and we definitely don’t just pay for that on the side, and I’m glad that we have generously budgeted the item "equipment". Large furniture is usually still calculated but for the small stuff, I would at least roughly estimate 2000 EUR (but it won’t come close to that for us)

True... the more you think about it :cool: A mirror in the bathroom would of course be nice, or even some lamps

1. Definitely buy the plot of land as soon as possible. Finance it variably at a good interest rate and that’s it. You really can’t go wrong there. The saved equity can then also serve to pay the incidental building costs! You quickly need about 50,000€, depending on what you’re planning! It would be great if you could maybe provide us with some important information here.

2. Please do not list the incidental costs... These should definitely be paid in cash during the interest-only period, from saved equity or something else.

3. House base price - please add 5% already - the price will rise enormously next year!
4. Garage 15,000€ (single garage or what have you planned?)
5. As said, consider the incidental building costs (around 50k). You would then have to calculate these (depending on general contractor/prefab house supplier, they vary enormously). For one it’s included... for another it’s not... etc.
6. The extra selections as well as the costs for the exterior landscaping/garden I find very well estimated. As said, basically only the increase of the house base price and the calculation of the incidental costs are missing.

Regarding point 4: here we thought of a prefab garage (single garage)
Regarding point 5: after the first feedback, I had roughly estimated 30k. I think it also strongly depends on how intensive the preparation of the plot is. The other costs (e.g., notary, district court, house connection) should always be about the same / at least similar. For the potential plot, for example, about 40cm would need to be filled in order to reach street level (pure estimation). In my opinion, this will be the largest part of the incidental building costs. But you are right - here we will make concrete comparisons depending on the provider.

- What exactly do you imagine for a house? Which house from Viebrockhaus? What are your requirements for the house? Do you have any wishes that you might "think" are not included in the standard? At the beginning, we dealt intensively and extensively with prefab houses like Viebrockhaus. Please note: The house price in the catalog will never be the house price you ultimately pay! It will not just be a few thousand euros more, but probably significantly more!

We do not intend to change anything in the floor plan of Viebrockhaus or to do anything like bay windows or floor plan recesses. Here, we want to stick to the catalog specifications. We chose the Maxime 305 from the current catalog, which should be more than enough for us (2 people / no children). What is especially important to us is that my wife and I each have an "office" / a private retreat where each can work or pursue other leisure activities (rooms can also be used as guest rooms). Furthermore, we want an open living/dining/kitchen area because, in our opinion, it simply conveys a spacious living feeling. I would describe our requirements as nothing special :)

The OneNote is slowly filling up - but that is exactly how it should be. Many thanks for the help so far and for the patience with the (probably very general beginner) questions for the experienced builder.

Since we both have the goal of getting into our own home "as quickly as possible" but still with sense and understanding, we are making every effort ;) Your cheeky plan might even fit :p With the subsidy from the parents-in-law – well, basically they might actually be willing. However, we would like to manage it on our own. I am fairly certain that if we were missing a relatively small amount – let’s say €20,000 – to realize everything else, they would support us then. Still, our primary goal is to achieve our project alone at first.

Such friendly and lovely children as you seem to be, your parents and parents-in-law, if their financial situation allows, will impose a subsidy on you anyway. ;-) I am almost 60 and actually ask my parents (unfortunately only my mom now) at every visit whether she has a little pocket money for me; as mentioned, strange as it may seem, I have no qualms about it in this regard. From my point of view, that is simply the fate of parents; for that, they have the happiness of being able to be parents. ;-) Occasionally I mention it casually. ;-)

Is this really meant seriously?
:oops:

Is this really meant seriously now? :oops:

Did I say something wrong?

I would also like to warmly recommend the extra amount for small items in the household equipment to everyone.

These things, I mean, can sometimes be bought relatively well second-hand. It is probably not mainstream and is rarely communicated here in the forum, but from my point of view, a helpful opportunity. At least my husband and I will try it. Furthermore, there are still employees nowadays who receive Christmas bonuses. I was often surprised at how much Christmas bonus my husband and I received together.