Financing volume 410k € Feasibility assessment

  • Erstellt am 2021-12-27 17:37:30

HansDampf88

2021-12-27 22:04:14
  • #1


Now now now... no hasty judgments here. We have our nutrition under control. Personally, as a semi-professional level athlete, I couldn’t afford anything else either. It may be that the twice-weekly lunch at the mother-in-law’s is noticeable in the costs here. :-D and while we’re at it: 375 / 2 / 30 = 6.25 euros.
But we don’t want to drift away...
 

ypg

2021-12-27 22:13:04
  • #2
I have already understood all of that. Unfortunately, you didn’t get my hint with the wooden bat.

You roughly have (according to your calculation) 1500€ left… you want a loan installment of 1300€… additional housing costs amount to 300-400€… then some insurances for protection are still missing. And now show me your savings rate for what needs to be newly purchased. Apart from the ongoing costs, which you also expect to be paid from the current salary.
I’d say: 500,000. If it gets bad, the ancillary construction costs won’t be enough, rather 520,000€. And no soil survey also gives no security. 20 meters further there could already be rubble that the neighbors don’t have.
Please don’t build below 4000€ salary, just above that only a simple house without a basement plus carport. With 4100€ …
Do you also have the potential of time?

As already said above: the figures are rather inaccurate and conceal several gaps.
 

Tom1978

2021-12-27 22:22:27
  • #3


It’s not drifting off. Because you want to estimate the costs realistically. There are three of us and we have about €700 in food costs. Mostly fresh and meat from the butcher. If I happen to eat at work, €5 is already gone just for lunch.

It’s just a comparison to us. We have about €6,300 net household income and finance €495,000. And that already gives us stomach aches. However, we are around 40 years old. For that, the topic of children is done.
 

HansDampf88

2021-12-27 22:25:18
  • #4


Not “according to my calculation,” but that is definitely so.

The potential of time, well at least I am willing to sacrifice the time. That during the construction phase everything else comes second is also clear…

What I don’t quite understand: Where does our current rent + additional costs fit into your calculation? Those are items amounting to €700 that will no longer apply.
 

RotorMotor

2021-12-27 22:33:14
  • #5
10k for painting materials? We pay that including the labor.
 

ypg

2021-12-27 22:35:40
  • #6


That's the problem: no one can follow your costs because you take some in detail, others as a flat rate, and in the end your figure of 1500 is named. And no one can understand how you arrive at that.
But you don't have to calculate it for me either. I'm just warning against sugarcoating numbers. And yes: 375€ for food may be possible for now, but drugstore items are probably not included.
 

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