Is a bungalow in Walldorf feasible within our budget?

Thank you very much for the many opinions and tips!

: Under which point did you find the requirement for the 2nd floor? We must have been completely blind...
That would have clarified the bungalow and granny flat. In that case, it would be classic with two floors without a basement.

: Thanks for the assessment! I have already taken the subsidy from the KFW into account for the house price. That should almost cover the prices for the KfW40+?

We have already received offers from 190-220k for the bungalow (however KfW55). However, it was 135sqm. I think we should actually get by with the 200k for 100sqm.

* And I won’t build without a pool it is an absolute must.

@ general: Do you really find the loan amount of about 550k too high?

Currently: 5500€ monthly - 600 loans - 750 living expenses - 400 retirement provision - 750€ rent we currently have 3000€ left over. In addition there is an annual bonus of 5,000€ for the annual vacation.

Adjusted for rent instead of the loan, at least 2,000€ would still remain for additional costs and savings balance.

In addition, as mentioned, my salary increases yearly by 4-500€ net (contractually fixed until 2023) and in the event of a child, we could get married and use the tax advantages. Child benefit would come on top anyway. Daycare etc. costs us nothing. It is covered generously by SAP.

well, the 5000 euros for the fence and garden... I don’t know. We ordered a garden shed for just under 3000 euros the day before yesterday, plus the complete foundation is still missing. You don’t get very far with 5000 euros for the outdoor facilities.

Best regards
Sabine

The imagined 5k€ only includes the fence + roll lawn, possibly with a few shrubs and small trees. Also that in EL without further extras like a garden shed.

Thank you very much for the many opinions and tips!

: Under which point did you find the requirement for a second floor? We must have been blind...
That would have clarified the bungalow and the granny flat. In that case, just classic with two floors without a basement.

: Thank you for the assessment! I have already taken the subsidy from the KFW into account in the house price. So the prices for the KfW40+ should almost be covered?

We have already received offers ranging from 190-220k for the bungalow (however KfW55). It was 135 sqm, though. I think we should actually be able to manage with 200k for 100 sqm.

@ general: Do you really find the loan amount of about 550k too high?

Currently: 5500€ monthly - 600 loans - 750 living expenses - 400 retirement provision - 750€ rent, leaving us 3000€ at the moment. Additionally, there is an annual bonus of 5,000€ for the annual vacation.

Corrected for the loan, at least 2,000€ would still remain for additional costs and savings.

In addition, as mentioned, my salary increases annually by 4-500€ net (contractually fixed until 2023) and in case of offspring we could get married and use the tax advantages. Child benefit would come on top anyway. Kita etc. costs us nothing. Covered by the generous SAP

With the subsidy, you have the photovoltaic system included, nothing more. You need better exterior walls, windows, insulation.
If you want to build solidly, you can add another 20k€ alone to reach the 40 standard.

You have to achieve certain U-values to get a KfW40 house.
Why do you actually want a 40+ house?

And do people recommend that? Or aren’t the additional costs worth it?

Currently, I see it this way: Advantages 40+

- higher KfW subsidies
- lower energy costs
- better sound / thermal insulation
- better resale value.

That should overall outweigh the additional costs, right?

Especially the increased sound insulation would also be worth a decent surcharge to me.

No, those who calculate end up at the Energy Saving Ordinance standard. Not even KFW 55 is worthwhile, especially not in the almost frost-free Rheintal, where there is hardly any winter anyway.
That means, build an exterior shell of Ytong 30 or 36, plastered without additional insulation materials, use gas and solar, use proper F3nster, triple-glazed, good floor slab insulation, underfloor heating, forget the kfw nonsense, build cheaper, forego their money and have less debt, and your house will have about 100 to 120 energy per month with electricity and gas. All incl. So electricity and gas. Nothing more.
The bungalow is permitted according to B Plan, but it will be an exotic among all the coffee grinders and knee wall stilts, I consider 450 sqm too tight for a bungalow. Well, with a floor area ratio of 0.4, you are allowed to build 180 of 450. But seriously, how does that look. Our bungalow has 133 floor area plus thirty terrace makes 163. Plus a prefabricated garage of 18, then there is not much garden left, and we have 570 sqm. That doesn’t work with 450. Karsten

And is that recommended? Or are the additional costs not worth it?

I currently see it this way: Advantages 40+

- higher KfW subsidies
- lower energy costs
- better sound / thermal insulation
- better resale value.

This should outweigh the additional costs overall, right?

Especially the increased sound insulation would be worth a decent extra price to me.

I can only speak from massive construction methods. Here I can tell you that the surcharge to achieve the reference value is not worth it. It is simply too expensive to reach it. I think I read once that the energy savings compared to KfW 55 are not even 20€ per month.

I accept the advantage of resale value but only to a limited extent. In my opinion, it’s like a vehicle where the base model costs 30k€ and you add 30k€ in optional extras. After 10 years, would you as a buyer be willing to pay that much for options that might then already be standard?

You say you already include the subsidies in your calculation. The subsidy is not paid out to you, but your KfW loan is only reduced by amount X. The only thing you get back are the 50% subsidies for the energy consultant, if you commission this separately.