BertramK
2021-06-21 15:31:51
- #1
400€ per visit… divided into different construction phases, I believe normally there are 8 inspection phases (for construction without basement) + acceptance where he is also present. So everything is quite manageable. if you want, you can communicate with me at hausbau_2018@gmx.net. [/
My plan is the following Loan 240,000€ fixed for 15 years / 4.5% repayment. House 185,000 (incl. 5,000€ buffer for sample selection) -26,500€ kfw261 -75,000€ equity -30,000€ (one-time special repayment after 11 years from a life insurance) Then the calculated rate is ~650€ and there remains a small residual amount. For the move I have planned 5,000€ from other reserves, we don’t need new furniture, we bought everything completely just a year ago.I would recalculate that in your place. Since you are no longer in your 30s, you have to repay faster to finish the loan. A house also has more incidental costs than an apartment. Reserves for repairs and so on, taxes etc. I would be very surprised if the monthly burden were noticeably lower than your current 1250€... Example: If you want to be finished after 15 years (at retirement) with a 250K loan (200K house + outdoor facilities + garage | incidental costs + moving and some furniture from equity), you would have to repay about 6%. That would be over 1600€/month just the rate For a net 3000 in Saxony you really have to be very lucky. I don’t know anyone who has that. Including department heads, foremen, etc. Most with university degrees.
You are absolutely right, I know approximately the earning possibilities in Saxony, it is also not my plan to earn 3000€. I plan for myself 1800€ and for my wife 1500€ net. As for financing, I have imagined the following: Financing 240,000€ fixed for 15 years / 5% repayment House price 185,000€ (incl. 5,000€ buffer for sample selection) -26,500€ subsidy for KfW55 (261) -75,000€ equity -30,000€ (after 11 years from a life insurance) results in a rate of ~650€ then there remains a small residual amount after 15 years For the move I have planned 5,000€ from existing cash reserves. We don’t need new furniture except for a few small things, since we bought everything new about a year ago.I would recalculate that in your place. Since you are no longer in your 30s, you have to repay faster to finish the loan. A house also has more incidental costs than an apartment. Reserves for repairs and so on, taxes etc. I would be very surprised if the monthly burden were noticeably lower than your current 1250€... Example: If you want to be finished after 15 years (at retirement) with a 250K loan (200K house + outdoor facilities + garage | incidental costs + moving and some furniture from equity), you would have to repay about 6%. That would be over 1600€/month just the rate For a net 3000 in Saxony you really have to be very lucky. I don’t know anyone who has that. Including department heads, foremen, etc. Most with university degrees.