Financing | Single-family house | Feasibility | 2nd rank

  • Erstellt am 2020-03-24 01:12:43
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nordanney

2025-06-15 12:42:33
  • #1

LOL.
150k equity (should be easily possible with that income)
500k construction costs including incidental costs and 200k land = 700k total investment costs = 550k financing = 2,300€ financing = you don’t need 7k net for that. THAT is the reality. Adjust wishes and house size. And I am already calculating with 150 sqm living space.
I don’t know your cost of living, but if you’re blowing 4-5k through the chimney every month, then YOU have the problem and it’s not the costs and interest.
 
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Nikitenko

2025-06-15 19:40:36
  • #2
I would generally agree with nordanney. Achieving a 3.5% return after taxes in the long term is possible, but comes with risks. Dividends can decrease or even be completely discontinued. However, the return on saved loan interest is secure. I do not know how high the interest rates for the loan from the TE are. Nor do I know when a follow-up financing is due. However, if the interest rates are low (well below 2%) and a follow-up financing is not necessary, one can actually consider investing in ETFs (not individual stocks) given the creditworthiness. Also because the property is a concentrated risk and this way one could diversify their wealth.
 
H

HuppelHuppel

2025-06-16 08:07:35
  • #3


6,000€ net, three people, and no rate of 2,400-2,500€ is possible? With 3,500€ it’s only enough for bazaar and special offers? Aside from the fact that the latter isn’t bad, not everyone wants to pay 7€ for a jar of Nutella.

What happens if the USA go bankrupt? Will our euro system break down? Will hyperinflation come? If that happens, your debts become worthless...

But do companies stop producing because of that?
 
C

chand1986

2025-06-16 12:54:23
  • #4
I don't even know how that would technically work. The USA pays debts in dollars, which they can print at will. They have an ongoing economy and the largest military in the world as well as their own natural resources. Bankruptcy is the very last thing they would do. They could simply stop payments because they want to, and no one could enforce their rights then. But that is not bankruptcy.
 
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nordanney

2025-06-16 13:22:58
  • #5
Probably like in many other countries. Just not in the traditional sense because of the US$. But in the end comparable effects if the debt ceiling is not raised, bond repayments are not made, and default occurs. The subsequent steps are equivalent to bankruptcy. Or "bankruptcy" through inflation and loss of confidence. Trump is already working so hard on causing a flight from the dollar, government bonds, etc. Refinancing interest rates have already risen to unhealthy levels and the best rating is gone too. It doesn't help if you can print $ but no one wants them. The US won't fall harder than that. But Americans are already beginning to feel what can happen.
 
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chand1986

2025-06-16 15:22:49
  • #6
A debtor who could pay but does not want to is not bankrupt. That no one can fool the USA shows that states in general and the USA in particular are not normal debtors but something completely different.

It may sound superfluous if the immediate consequences are the same, but suitable terms that are unambiguous are needed.
 

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