Financing / Equity / Granny Flat - Fundamental Thoughts

It makes no sense to withdraw capital expensively through salary payments from the GmbH.

But you want to build a house privately. At some point, the money has to be transferred from the GmbH to your account. There's no way around that. Whether these tricks work, like your own company renting an office in your private house... I don't know... but your tax advisor will be able to tell you. But these are all just minor optimizations. You first have to manage to get a loan at all, because 2000k net after maintenance really isn't proportional to the loan amount. You say the company is still very young? Then your credit check will be interesting again, as with all other self-employed people. Now take the very simple step and talk to local banks about what they are willing to finance: - Local Volksbank and Sparkasse - The bank of your GmbH, they know your real creditworthiness Please report back despite all the headwinds on how things proceed!

But you want to build a house privately. At some point, the money from the GmbH has to be transferred to your account. There’s no way around that. Whether these gimmicks work, that your own company rents an office in your private house... I don’t know... but your tax advisor will be able to tell you. But these are all just fine-tunings. First of all, you have to manage to get a loan at all, because 2000k net after maintenance really is not proportional to the loan amount. You say the company is still very young? Then your credit check will also be exciting, as with all other self-employed. Now just take the very simple step and talk to local banks about what they are willing to finance: - Local Volksbank and Sparkasse - The bank of your GmbH, they know your real creditworthiness Please report despite all resistance how things progress!

Exactly. And that is exactly the exciting question: How much money do I have to draw from the company as salary and how much could be provided through other payment methods. But yes, I should probably discuss that better with my tax advisor. These are certainly not fine-tunings, but fundamental decisions. You could also have the house completely built by the company and then rent it. Or set up an XY real estate operating GmbH, whatever. The company is young but generates seven-figure revenues and is profitable. Our house bank is very satisfied with our development. But that’s not what this is about. I wanted suggestions on how to structure financing on several legs to optimize the monthly liquidity burden. How do you reduce repayment? Which rental payments are credited in what form? Things like that. But alright, now at least I know that my income is not sufficient to build a house. :rolleyes: I’ll probably discuss everything else with a tax advisor/bank. I’ll gladly keep you updated anyway.

The rent of the granny flat is taken into account and also with a high proportion if the "young" father moves in. There are good tax planning options so that the rent is not subject to taxation, but rather results in a tax refund. The complicated heating technology does not increase the resale value. If it is good, the technology will be available in a few years at a fraction of the price. However, there are also a few innovative heating concepts from the past that massively reduce the current value of the house. But I also believe the income is too low

The rent of the granny flat is taken into account and also with a high proportion if the "young" father moves in. There are good tax planning options, so that there is no taxation of the rent, but rather a tax refund.
The complicated heating technology does not increase the resale value. If it is good, the technology will be available in a few years at a fraction of the price. However, there are also a few innovative heating concepts from the past that massively reduce the current value of the house. But I also think the income is too low

Thank you for the answer!
The heating technology would consist of a brine heat pump and surface heating/cooling ceiling. Photovoltaics/storage are of course primarily there to cap the energy costs.
What do you think, which income do I need?
Assuming rent payment of 700,- and corresponding consideration by the bank.

Assuming a rent payment of 700,- and corresponding consideration by the bank.

First, the rent should be market-standard. If you suddenly increase it from 500€ (including utilities) as in your initial post to 700€ (cold?), the bank will definitely start to have its doubts.

Example calculation:
Net income 3,800€
Rent 320€ (80% of 400€ cold)
Total 4,120€
minus living expenses lump sum single 1,800€
minus maintenance/student loan 1,000€
Surplus 1,320€
That's enough for 500,000€ with 1% interest and 2% repayment = 40 years term, which is a limit for most banks.

Whether and how you can live with that is another question that only you can honestly answer yourself.

First of all, the rent should be market-based. If you suddenly increase it from €500 (all-inclusive) as in

In order to be able to deduct everything in full on taxes, the rent must amount to 66% of the local customary rate. But there are also structuring possibilities there, (garden work). The rest is settled through Christmas gifts; without me wanting to encourage tax fraud here.