Equity+financing amount sufficient?

  • Erstellt am 2013-04-23 16:52:23

emer

2013-04-25 07:56:44
  • #1
Just for comparison.

Equity:
developed plot: €162,000 including all related incidental costs
good building conditions

House Kfw 70:
150 sqm living space
garage
no basement
no condominium
no real extras

We are currently planning with €320,000 including construction incidental costs (costs without land)

Don't expect to save tens of thousands of euros through own labor.
I would generally be cautious with own labor on such a large scale as you.

That can lead to ugly blame-shifting. If something goes wrong that is carried out by other trades, the mason is at fault if the defect can even remotely be traced back to it.

It may also be that this happens if you do nothing yourself. But then you don't have the double burden of dealing with disputes and possibly having to make corrections yourself (which again causes costs).

Of course, you don't want to borrow unnecessary amounts of money from a bank, but the considerations for building a house should go in all directions. And not broadly label it: We have masons, we'll do it ourselves.

We also have electricians, plasterers, tilers and other trades in our family and circle of friends, but except for painting the walls before moving in, no one will lift a finger on the house - and we don't want that either.

But to each their own. Nevertheless, there are some observations that make it clear that one of the most common mistakes of future homeowners is that they vastly overestimate their own labor. In this, the material plays a less important role than the time.
 

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