How high are the additional house costs?

So I wouldn’t take out a residual debt insurance without the house now, and I probably won’t keep it for the entire term of the financing either. It really only serves to secure the loan. In this respect, you can count it towards that.

That belongs in the area of financing costs, but not in the additional costs for the house.

Yes, that's true, it might be better off there. In the end, it's just left pocket, right pocket.

What if the sofa swallows the visitor?
:D

Maybe you could count that, but that

and

aren't really HOUSE-related additional costs?!
This here

On the other hand, yes

Nope. Or would you have those without a house?
Well, some only start thinking about this with high loan installments, but these are definitely not costs arising because of the house or its maintenance.

In the condo, my service charge is about 300 EUR, plus around 20 EUR per quarter in property tax.
House, let’s see. I haven’t done a projection yet. Some things I don’t even know yet, like wastewater, for example.

It's probably called extended household insurance...:

"Your household (household contents) is insured at replacement value against damages caused by: fire, lightning strike, explosion (F); burglary theft, robbery, vandalism following a break-in (ED); water damage from pipes (LW); travel luggage (RG); natural hazards (hail, storm, flooding, backwater, ground subsidence, landslide, rockfall, snow pressure, and meltwater). Your legal liability and that of all persons belonging to your household (insured persons) as private individuals are insured."

And if the broadcasting fee counts as additional house costs, then Netflix and Prime would almost count too. What about costs for cable TV? We save that because we watch via satellite + then the above-mentioned extras.

I also count Internet+TV as part of the additional costs. They are things everyone has and that cost monthly. For me alone, it’s nearly 90 euros/month.

And if the broadcasting fee counts as part of the additional household costs, then Netflix and Prime almost belong to that as well. What about the costs for cable TV? We save on that because we watch via satellite + the extras mentioned above.

The difference is, I think, that you have to pay the broadcasting fee, while Netflix & Co are a personal choice. Although I don’t specifically link it to house construction. But for me, it also falls into the category of "additional costs," more generally.

The broadcasting fee is a mandatory charge per household, so it could be included. Regardless of whether cable, satellite, DVB-T, internet, or anything else.

The broadcasting fee is mandatory, even if one does not own a single [Volksempfänger].