Financing for new construction: realistic or rather wishful thinking?

Sure, 1000 euros is already a bit exaggerated. but it has become a reality for many.

I'm saying - in the case of an energetic disaster. But you do realize we're talking about new buildings here, right? Or did that pass you by?

300 euros for electricity ... per month has now become a reality for many homeowners.

No, sure. That’s already hard even with night storage heaters, because that’s currently 14-15,000 kWh of electricity. Please come back down and face reality.

No, sure. That’s already difficult with night storage heaters, since that’s currently 14-15,000 kWh of electricity.

Of course, not everyone is as clever as you and many others here who change their electricity provider every year. Most electricity customers are stuck with the basic supply tariff. For me now, anyone can check this currently with a price of 52 cents per kWh. That is about 500 kWh per month or 300 euros in electricity costs.

A good average for a single-family house. Before my photovoltaic system, I had an annual consumption between 5,000 and 6,000 kWh of electricity without heating. But as I said, there are almost only savers active here in the forum. Meanwhile, thanks to the photovoltaic storage, I’m down to 1,300 – 1,500 kWh.

The all-time popular financial advisor Dr. Klein also calculates something like that in.

Based on this rule of thumb, the additional costs for a house with an area of 150 m² amount to 600 € per month, for example. Add 1 € per m² as reserves, and you come to a total of 750 € per month.

Now if you add a few extra costs or regional price peaks or a bit more reserve formation, you’re quickly at 1000 euros. I didn’t make these numbers up.

Of course, not everyone is as clever as you and many others here who switch their electricity provider every year. Most electricity customers are stuck with the basic supply tariff. For me now, anyone can check current prices: 52 cents per kWh. That is about 500 kWh per month or 300 euros in electricity costs.

A good average for a single-family house. Before my photovoltaics, I had an annual consumption between 5,000 - 6,000 kWh of electricity without heating. But as I said, almost only the thrifty foxes are active here in the forum. Meanwhile, thanks to photovoltaics and storage, I am down to 1,300 - 1,500 kWh.

The ever-popular financial advisor Dr. Klein also factors something like this in.

Based on this rule of thumb, ancillary costs for a house with an area of 150 m² amount to 600 € per month. Add 1 € per m² as reserves, and you get a total of 750 € per month.

Now if you add a few extra costs or regional price spikes or a bit more reserve building, you quickly reach 1,000 euros. I didn’t make up these numbers.

I quote our Prime Minister: "no no no no no no"

most electricity customers are simply stuck in the basic supplier tariff. In my case, anyone can currently look up a price of 52 cents per kWh. That's about 500 kWh or 300 euros in electricity costs per month.

And because there are people who are stuck in the basic tariff, you simply calculate that for all people. By the way, my basic supplier offers 38 cents.

Good average for a single-family house. Before I had photovoltaics, my annual consumption was between 5,000 and 6,000 kWh of electricity without heating.

Then you are far from the average. Because the real average for electricity is +/- 3,000 kWh for the average family. How can you consume that much? Let's take seven rooms in the house with 20 watts each for lighting 8 hours a day. That's 400 kWh for constant lighting, including Christmas etc. Then the average fridge with freezer compartment: 250 kWh. Washing clothes three times a week: 150 kWh. Cooking, TV etc. add up as well. How on earth can you consume 5-6,000 kWh of electricity without a heat pump? You're really sick... Even with home office (two computers), double waterbed and electric car I only consume 10,000 kWh of electricity per year. Including heating.

But as I said, almost only the cheapskates are active here in the forum.

No, fortunately there are many normal and average people here. You are just not normal.

The ever popular financial advisor Dr. Klein

himself says: "The exact amount of the ongoing ancillary costs for a house depends on the individual case. Generally, you have to reckon with about 400 to 600 € per month in operating costs for a single-family house." Hmm. With 400 € in a new building, we are not doing so badly, because heating costs always make up a large part in old buildings (hence the 600 €).

How high is the rate in relation to your salary? I’m keeping my fingers crossed that a hefty raise will come your way soon! Were you already on your own when you built? And how did it come about that the rate was still so much higher?

I have a 30% rate. And in the end, I also didn’t have enough money, so I had to refinance. As I said, 200€ that I hadn’t planned for.
Raise, well, I’m paid according to TVL, that’s solid, but I don’t expect significant increases anymore. I’ve also reached level 6, so nothing more is happening there.

We’re doing well, nobody needs to hope it will turn out well for us. At least as long as I stay healthy...

Additional costs around 200€ for gas, electricity, trash, property tax. Heating maintenance and building insurance extra, 160 and 300€ annually. I now set aside 1€/sqm per month for maintenance, that seems like the minimum.

Not everyone has a heat pump with a photovoltaic system. 300 euros for electricity and 300 euros for gas per month has become a reality for many homeowners.

We live in an old building from 1935 without HP and without a photovoltaic system, but well insulated. I don't know what you have to do to consume and pay 300 EUR for electricity per month, because we have maybe a third of that (with normal consumers) and we also pay just under 120 EUR per month for gas. The stated values are either the result of unfavorable contracts and/or absolutely thoughtless consumption or simply grossly exaggerated.