LVG27
2015-04-09 20:37:28
- #1
We have been thinking about building a house within the next 2 years.
We have considered building a single-family house with a granny flat, in which my mother is supposed/wants to live in the foreseeable future.
We have now looked at several prefab house providers and find turnkey houses that meet our ideas between 250,000 and 350,000 thousand euros.
In addition, there would be a basement. (approx. 50,000 euros?)
We will not be able to pay for a plot where we currently live, so we are considering moving to a somewhat more rural area and are calculating with approximately 100,000 euros for land costs + incidental costs.
I am aware that this is a very rough plan and this is merely an initial "exploration," so 300,000 + 50,000 + 100,000 + at least 50,000 realistically puts us between 500,000 and 550,000 (right?)
Financial / family situation:
Income A: 2000 € net
Income B: 1800 € net
Equity: approximately 50,000
We are very economical with our living expenses:
( Rent currently 1100 €)
Additional housing costs: 250 €
Groceries: 250 €
Leisure: 100 €
Vacation: 50 €
Insurance: 20 €
Phone etc: 20 €
so all in all about 700 €
My mother would agree to pay 500 € monthly rent for the granny flat.
We calculate that we can additionally repay 1300 € monthly, so 1800 € monthly?
Family situation: We are planning 2 children in the not too distant future. Partner A will go back to work after parental leave (relatively secure situation with mother in the house). Salaries are also expected to increase somewhat; however, I would prefer not to plan with exact numbers here.
What else do we need to consider? Is the plan roughly realistic or completely exaggerated?
We are grateful for any help.
We have considered building a single-family house with a granny flat, in which my mother is supposed/wants to live in the foreseeable future.
We have now looked at several prefab house providers and find turnkey houses that meet our ideas between 250,000 and 350,000 thousand euros.
In addition, there would be a basement. (approx. 50,000 euros?)
We will not be able to pay for a plot where we currently live, so we are considering moving to a somewhat more rural area and are calculating with approximately 100,000 euros for land costs + incidental costs.
I am aware that this is a very rough plan and this is merely an initial "exploration," so 300,000 + 50,000 + 100,000 + at least 50,000 realistically puts us between 500,000 and 550,000 (right?)
Financial / family situation:
Income A: 2000 € net
Income B: 1800 € net
Equity: approximately 50,000
We are very economical with our living expenses:
( Rent currently 1100 €)
Additional housing costs: 250 €
Groceries: 250 €
Leisure: 100 €
Vacation: 50 €
Insurance: 20 €
Phone etc: 20 €
so all in all about 700 €
My mother would agree to pay 500 € monthly rent for the granny flat.
We calculate that we can additionally repay 1300 € monthly, so 1800 € monthly?
Family situation: We are planning 2 children in the not too distant future. Partner A will go back to work after parental leave (relatively secure situation with mother in the house). Salaries are also expected to increase somewhat; however, I would prefer not to plan with exact numbers here.
What else do we need to consider? Is the plan roughly realistic or completely exaggerated?
We are grateful for any help.