Coletrickle_7808
2020-05-02 14:31:40
- #1
We have several financing offers. Currently, the Sparkasse and ING are in the running.
I currently earn €3,000 net. Additionally, there is holiday and Christmas bonus and a premium. Calculated over the year, this results in a net income of about €3,500.
Nevertheless, I assume €3,000, as that is really fixed.
My wife receives €2,000 net or €2,300 if you apply the calculation mentioned above. But here too, we prefer to calculate with €2,000.
Additionally, we receive child benefits for 2 children and €300 maintenance for child 1 (not mine).
We currently rent with a cold rent of €1,300.
Currently, we manage to save between €750 and €1,500 every month (in a normal month).
Thus (and by setting aside various special payments), we were able to save nearly €25,000 in the last 15 months.
The construction project would cost approximately €450,000.
- €330,000 house including construction costs
- €95,000 land
- €20,000 reserve
Here, however, we would now only want to contribute €15,000 as real equity and €20,000 in own services.
In total, we want to finance €420,000-€430,000.
ING and Sparkasse each offer us 15 years at about 1.5% effective. With a repayment rate of 3.0%, we each pay around €1,350.
Of course, one could also include the KFW 124. Currently, there is €100,000 available at 1.1% effective. This lowers the blended interest rate. The disadvantage is, of course, the shorter fixed interest period of 10 years.
As a limit, we had set a maximum rate of €1,450.
What do you think?
I currently earn €3,000 net. Additionally, there is holiday and Christmas bonus and a premium. Calculated over the year, this results in a net income of about €3,500.
Nevertheless, I assume €3,000, as that is really fixed.
My wife receives €2,000 net or €2,300 if you apply the calculation mentioned above. But here too, we prefer to calculate with €2,000.
Additionally, we receive child benefits for 2 children and €300 maintenance for child 1 (not mine).
We currently rent with a cold rent of €1,300.
Currently, we manage to save between €750 and €1,500 every month (in a normal month).
Thus (and by setting aside various special payments), we were able to save nearly €25,000 in the last 15 months.
The construction project would cost approximately €450,000.
- €330,000 house including construction costs
- €95,000 land
- €20,000 reserve
Here, however, we would now only want to contribute €15,000 as real equity and €20,000 in own services.
In total, we want to finance €420,000-€430,000.
ING and Sparkasse each offer us 15 years at about 1.5% effective. With a repayment rate of 3.0%, we each pay around €1,350.
Of course, one could also include the KFW 124. Currently, there is €100,000 available at 1.1% effective. This lowers the blended interest rate. The disadvantage is, of course, the shorter fixed interest period of 10 years.
As a limit, we had set a maximum rate of €1,450.
What do you think?