Dream of financing your own 132 sqm house

Oh, you have such a charming way about you. I didn’t feel attacked at all and understand your intention. And it’s pretty clear that some things come across ambiguously online. Ask your parents or your wife’s parents at the next meeting for "a little pocket money." ;-) Just as a test, wouldn’t that be funny?

Addendum: But that only works with relatively insensitive, rustic parents. Others might worry or be puzzled.

I am almost 60 and actually I ask my parents (unfortunately only mom anymore) every visit if she has a little pocket money for me; as mentioned, strangely I have no inhibitions in that regard. From my point of view, that is just parental fate, for which they have the happiness of being allowed to be parents.

....whereas then the named happiness of being their children is missing. :eek:, which would balance out the fate again after all

Addendum: But this only works with relatively unsensitive, rustic parents. Others might then perhaps worry or be irritated.

In the case of this quasi-public branding of your own parents, I do wonder, however, whether their attributes were not passed on a little bit in the course of inheritance.

I already had the classic candidate from "Schwiegertochter gesucht" etc. in front of me..

But if that is handled as a joke, it fortunately makes you much more likeable :-)

wellllll... I’m not quite buying that twist now, ;)

The jump from a "running gag" about a bit of pocket money (mentally I’m thinking about 10 euros or so) to repeatedly suggesting involving the parents in home financing is quite big.
I could also say "come on... ask your parents. They can definitely chip in properly. Even I occasionally get an ice cream from my parents at the end of my 30s. So there’s nothing wrong with asking parents for money" :D

I think it’s the right approach that the OP plans to finance the house independently. And this should not turn into a fundamental discussion about parental support.
If parents are tapped so early in the planning phase, it only works if they are still financially strong enough later on to chip in again if things really get tight due to unforeseen additional costs during the construction phase.
Having the parents is better than having to go into additional financing.

1. Definitely buy the plot of land as soon as possible. Finance it with a variable rate at a good interest and that's it. You really can't go wrong with that. The saved equity can then also be used to cover the incidental construction costs! You might quickly need €50,000, depending on what you are planning! It would be great if you could provide us with some important information here.

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

Regarding 1., I can basically only agree. Are there still additional purchase incidental costs? At least notary fees and land transfer tax will also be incurred...

What I do not understand is why the incidental construction costs should be paid from equity. If they are calculated properly, they can simply be included in the overall financing package. In my opinion, this is totally normal.


Which incidental costs do you mean in number 2?
Purchase incidental costs? Construction incidental costs? The furniture?