toxicmolotof
2016-12-27 22:00:10
- #1
Dear thread starters,
I have now been a member of this forum for just over three years and repeatedly read questions like:
"Is the offer good?" or "Is the financing feasible?"
Of course, you can simply answer yes or no to such questions, sometimes just maybe... but often essential information is forgotten to even begin to engage with the question. Therefore, you will find here a kind of form which should be filled out as completely and as well as possible. This makes it easier for those answering.
Always keep in mind: This is not about exposing you, interrogating you, or discrediting you in any way. Also, no decimal places or shoe sizes are needed.
The following questions are written in the plural and for house building for better readability and naturally apply analogously to singles and other building or purchasing projects.
General information about you:
Income and asset situation:
Expense situation:
Expenses already included in other items can of course be omitted. This list is not exhaustive and can be extended or summarized arbitrarily. Please make sure to state all costs monthly, even if they only occur annually!
Housing costs:
Mobility costs:
Insurance costs:
Living expenses:
Savings contributions:
Other expenses:
Income and expense totals:
General information about the property:
Construction or purchase costs:
Other costs:
Cost summary:
Necessary loan information:
(for multiple components, please provide information for all components, for multiple variants please clearly separate them):
Those who have made it this far have already created a very good framework so that a reasonable evaluation can be made with few or no follow-up questions. However, if there are still follow-up questions, it could be because despite all the creativity I put into the summary, something is missing or perhaps does not fit together. However, please do not expect anyone here to take a calculator in hand and check your numbers for consistency. Very few want to do this and many are online with their phones, where you can't just add numbers quickly.
I wish you lots of fun and that you achieve your goal with your planning!
I have now been a member of this forum for just over three years and repeatedly read questions like:
"Is the offer good?" or "Is the financing feasible?"
Of course, you can simply answer yes or no to such questions, sometimes just maybe... but often essential information is forgotten to even begin to engage with the question. Therefore, you will find here a kind of form which should be filled out as completely and as well as possible. This makes it easier for those answering.
Always keep in mind: This is not about exposing you, interrogating you, or discrediting you in any way. Also, no decimal places or shoe sizes are needed.
The following questions are written in the plural and for house building for better readability and naturally apply analogously to singles and other building or purchasing projects.
General information about you:
[*]Who are you?
[*]How old are you?
[*]Are there children?
[*]Are children planned?
[*]What do you do for a living?
[*]Are you employed, self-employed, retired, housewife, househusband, etc.?
[*]How many hours do you work?
Income and asset situation:
[*]What income do you have (gross/net)?
[*]How much child benefit is received?
[*]Other transfer payments such as parental allowance, sickness benefit, etc.?
[*]How much equity do you have?
[*]How much of that equity do you want to invest in the house project?
Expense situation:
Expenses already included in other items can of course be omitted. This list is not exhaustive and can be extended or summarized arbitrarily. Please make sure to state all costs monthly, even if they only occur annually!
Housing costs:
[*]Current cold rent
[*]Current warm rent
[*]Electricity
[*]Gas
[*]Water, sewage, waste collection fees, street cleaning
[*]Telephone, internet, mobile phone
Mobility costs:
[*]Monthly ticket for bus and train (also for the children!)
[*]Car loan (or savings rate for a new car)
[*]Insurance
[*]Taxes
[*]Fuel
[*]Repairs
[*]Other
[*]Is there a second car, motorcycle, scooter? Please state all points again!
Insurance costs:
[*]Private health insurance (also supplemental health insurance, daily sickness allowance, etc.)
[*]Liability insurance (also for animals)
[*]Capital or term life insurance
[*]Pension insurance (also Riester, Rürup, etc.)
[*]Disability insurance
[*]Accident insurance
[*]Household insurance
[*]Legal protection insurance
[*]Other insurances (such as travel insurance, funeral insurance)
Living expenses:
[*]Food
[*]Restaurant costs
[*]Care/drugstore
[*]Pets (food, vet, medication, stable costs)
[*]Medications
[*]Clothing
[*]Furniture
[*]Daycare/school fees (and meal money)
[*]Tutoring
[*]School supplies and books
[*]Club fees/gym
[*]Babysitter
[*]Toys
[*]Cleaning
[*]TV/video/audio/CDs/DVDs
[*]Tickets (football, cinema, concerts, etc.)
[*]Donations
[*]Other
Savings contributions:
[*]Vacation
[*]House
[*]Retirement provision
[*]Hobbies/gifts
[*]Other
Other expenses:
[*]Maintenance payments?
[*]Loans?
[*]Other?
[*]Was something forgotten? Then please specify here at the latest!
Income and expense totals:
[*]Total income
[*]Total expenses
[*]Balance
[*]Of which total cold rent and dispensable savings contributions (e.g. savings rate for house)
General information about the property:
[*]How large is the plot?
[*]What are its dimensions?
[*]What is the standard land value?
[*]New build, old building (year built), house type?
[*]Garages?
[*]How large is the house? (living area / usable area)
[*]What is the market value of the land and house after completion?
Construction or purchase costs:
[*]Land costs
[*]Development costs
[*]Acquisition ancillary costs (notary, court, property transfer tax, realtor)
[*]Construction or purchase costs (including architect, structural engineer)
[*]Renovation and/or refurbishment costs
[*]Additional building costs (e.g. house connections, soil surveyor, construction power, etc.)
[*]Outdoor facilities/terrace, paths, garden design, fences, etc.
[*]Financing costs (e.g. fees or commitment interest)
[*]Total costs
Other costs:
[*]Kitchen costs
[*]Furniture, lamps, decoration
[*]Other "non-acquisition, acquisition ancillary, construction or additional building costs"
Cost summary:
[*]Total costs
[*]Deductible equity
[*]Financing amount
Necessary loan information:
(for multiple components, please provide information for all components, for multiple variants please clearly separate them):
[*]Loan amount
[*]Type of loan (e.g. annuity loan, bullet loan, etc.)
[*]Interest rate (p.a. nominal, otherwise effective)
[*]Fixed interest period
[*]Remaining debt at the end of the fixed interest period
[*]Fictitious total term until full repayment
[*]Initial repayment rate
[*]Monthly rate
[*]Are special repayments possible? (Please state the amount)
[*]Is repayment rate change possible? (Please specify conditions such as number, repayment rate range)
[*]For preliminary, interim or bridging loans with building savings contracts, please provide details of the building savings contract (contract amount, credit interest rate, minimum savings rate, minimum savings target, planned saving rate, Riester premiums, expected allocation date, later loan rate, loan interest rate, etc.)
Those who have made it this far have already created a very good framework so that a reasonable evaluation can be made with few or no follow-up questions. However, if there are still follow-up questions, it could be because despite all the creativity I put into the summary, something is missing or perhaps does not fit together. However, please do not expect anyone here to take a calculator in hand and check your numbers for consistency. Very few want to do this and many are online with their phones, where you can't just add numbers quickly.
I wish you lots of fun and that you achieve your goal with your planning!