How high are the additional house costs?

We have been doing that since moving in, but initially smaller installments of €250/month. When the house is 5 years old, we want to increase it. I wouldn’t sleep well at night without building reserves at all. Having comes before needing. :)

You are already very exemplary for such a new house. Personally, that would even be too much for me, I would save up a decent lump sum in case something breaks down spontaneously and then leave it at that. At the beginning, you actually don’t need €20 per sqm per year.

Liability insurance for the inventory.

What if the sofa swallows the guest? :D

GEZ

Maybe you can count that too, but that

phone and internet

and

Netflix and Prime

aren’t HOUSE-related costs, are they?! This here

waste fees: 9 euros property tax / street cleaning: 18 euros heating maintenance / chimney sweep: 15 euros

definitely are.

Indirectly, RLV, BU, etc. also belong to that.

Nope. Or would you have those even without a house? Sure, some only think about that with high loan installments, but these are definitely not costs that arise because of the house or for its maintenance. In the condominium, my monthly housing costs are about 300 EUR, plus about 20 EUR quarterly property tax. House, let’s see. I haven’t done any projections yet. Some things I don’t even know yet, like wastewater, for example.

Property tax is currently being reformed, by 2025 at the latest. Since nothing ever gets cheaper, better to plan for a bit more for the future.

Yes, I have also already received a letter from the tax office regarding the registration of my (new) property. Until now, I had only paid property tax for the purely undeveloped land. Now I have registered the house with occupancy readiness as of February. I am curious to see what increase will result even without the reform. Simply because the house is on it...

So I wouldn't take out a RLV now without the house and I probably won't keep it for the entire term of the financing. It really only serves to secure the loan. In that respect, you can include it. On the other hand, it's not so expensive that it makes a big difference.

Ok, if you really only have them because of the house, I agree, one might get that idea, but I would rather count it towards financing.

Amount - depends, with pre-existing conditions like high blood pressure, diabetes or something like that (officially documented) such a RLV rate can hit quite hard.