nordanney
2020-05-15 15:03:35
- #1
I think that it basically doesn’t hurt to be a bit more cautious and ask yourself 3 more questions rather than being lenient later.
Asking questions is always good. At least if they are meaningful questions that you have thought about a bit beforehand (Aunt Google helps a lot). Even more important than questions are the answers. You have received plenty of those – all clearly with the same content.
Well, here too I could explain at length again why I do not want to take the risk of paying off a house and then having the market value calculated, for which ideally an expert has to show up who then wants 9% of the market value for his valuable skills.
Perhaps phrased somewhat exaggeratedly? I’ll leave it as it is nonetheless.
Well, you have actually not answered a single line, let alone at length, regarding the risk you have in mind. And if you informed yourself, you would know how it works. Then you wouldn’t have to phrase it exaggeratedly or incorrectly.
What kind of questions should I ask, then?
Things like location, connection, future infrastructure are things I would look at more closely in the corresponding exposé; I can’t address that here now.
What I can address are fundamental legal questions and situations.
But these questions do not fit a specific property and your wishes. The first questions are actually: Where do I want to live – urban, rural, outskirts etc. / How must the surroundings be (infrastructure, traffic situation, demographics, etc.) / commute / family integration / rentability (you had spoken of a multi-family house) / budget / type of house etc. Then there is a long gap and only then “expropriation.” To put this question in front is complete nonsense.
For example, I wouldn’t ask a pregnant woman why she is afraid of miscarriages or premature birth if she is seeking information on these topics in the "expecting mothers forum".
Why not, if she wants to find out exactly about that? Maybe she heard that tap water causes miscarriages? One answer and her fear is removed. That’s why we ask about your fear too.
The fact is, these things exist and someone like me would like to know more about them.
All answers have been given.
Summary:
Heritable building rights: completely normal in Germany and absolutely uncritical (except with very short remaining terms, but then you have a problem at the bank at the latest, which usually requires 10 years of remaining term after the end of the financing period [not interest fixation]).
Expropriation: far-fetched and only possible in defined exceptions (which simply do not occur with normal home builders) – legally regulated including Basic Law and at most annoying for the owner, but economically unproblematic.
I worry more about, for example, climate change (in the North German plain up to the Rhineland, as of today, you should not build because of the rising sea level – this risk is factually higher than a possible expropriation).