Qwertyqwertz
2024-05-09 22:35:56
- #1
Hello,
first of all, I would like to say that we are currently at the very beginning of the planning. So far, we have only looked at land offers and have spontaneously visited two plots, but decided against them. We are basically just observing the market.
General about you:
Income and asset situation:
Expense situation:
Expenses that are already included in other positions can of course be omitted. This list is not final and can be expanded or summarized as desired. Please make sure to indicate all costs monthly, even if they only occur annually!
Housing costs: 1449€
Mobility costs: 434€
Insurance costs: 165€
Living expenses: 1575€
Savings:
Other expenses:
Income and expense totals:
We live in the western commuter belt of Berlin and want to build here as well. Typical prices for building land are around 380€/sqm and we would actually like only 500-600 sqm. Unfortunately, at the moment only very large plots up to 1000 sqm are offered, which are correspondingly more expensive.
For the house, we have imagined a maximum of 130 sqm and 4.5-5 rooms. We do not need much space, but it would be nice to have a study or a desk corner somewhere. It should have no basement (which would probably flood here eventually anyway) and it does not need any luxurious equipment otherwise. We would like to build with the KfW loan, which would fit next year due to the conditions. Therefore, the house must comply with the KfW40 requirements.
At the moment, we are a bit overwhelmed by the planning and selection. Neither of us knows anything about construction and we cannot assess which house providers are qualitatively good and financially stable. Where does one start? How does one find the good local builders? How do you select a suitable plot, other than by subjective criteria like a nice view?
A semi-detached house would also be an option, then you would only have to convince someone from your environment or find another family.
We are grateful for any input.
Best regards Qwertyqwertz
first of all, I would like to say that we are currently at the very beginning of the planning. So far, we have only looked at land offers and have spontaneously visited two plots, but decided against them. We are basically just observing the market.
General about you:
[*
- Who are you?
[LIST]
[*]Small family, married
[*]How old are you?
[*]30/30/1
[*]Are there children?
[*]1 child, 1.5 years old
[*]Are children planned?
[*]1 more child is planned
[*]What do you do professionally?
[*]IT manager
[*]Consultant
[*]Are you employed, self-employed, retired, homemaker, househusband, etc.?
[*]both employed
[*]How many hours do you work?
[*]35/28
Income and asset situation:
[*
- What income do you have (gross/net)?
[LIST]
[*]2820€/2822€ net
[*]How much child benefit is there?
[*]250€
[*]Other transfer payments such as parental allowance, sickness benefit, etc.?
[*]0€
[*]How much equity do you have?
[*]150,000€ + 30,000€ (interest-free loan from family)
[*]How much equity do you want to invest in the house project?
[*]140,000€ + 30,000€
Expense situation:
Expenses that are already included in other positions can of course be omitted. This list is not final and can be expanded or summarized as desired. Please make sure to indicate all costs monthly, even if they only occur annually!
Housing costs: 1449€
[*]current cold rent -> 1000€
[*]current warm rent -> 1300€
[*]electricity -> 94€
[*]gas
[*]water, sewage, garbage fees, street cleaning
[*]telephone, internet, mobile phone -> 55€
Mobility costs: 434€
[*]monthly ticket for bus and train (also for the children!) -> 100€
[*]car loan (or savings rate for a new car)
[*]insurance -> 50€
[*]taxes -> 4€
[*]fuel -> 100€
[*]repairs -> 170€
[*]miscellaneous -> 10€
[*]Is there a second car, motorcycle, scooter? Please specify all points again! -> No
Insurance costs: 165€
[*]private health insurance (also supplementary health insurance, daily sickness allowance, etc.) -> 30€
[*]liability insurance (also pets) -> 10€
[*]capital or term life insurance -> 40€
[*]pension insurance (also Riester, Rürup, etc...)
[*]disability insurance
[*]household insurance -> 25€
[*]legal protection insurance -> 40€
[*]other insurances (e.g. travel insurance, funeral insurance) -> 20€
Living expenses: 1575€
[*]groceries -> 600€
[*]restaurant expenses -> 100€
[*]care/drugstore -> 180€
[*]medications -> 20€
[*]clothing -> 50€
[*]furniture -> 50€
[*]daycare/school fees (and meal money) -> 470€
[*]toys -> 20€
[*]donations -> 65€
[*]miscellaneous -> 20€
Savings:
[*]the rest is currently saved or goes into investments
Other expenses:
[*]
Income and expense totals:
[*]total income: 5892€
[*]total expenses: 3623
[*]balance: 2269€
[*]of which sum of cold rent and dispensable savings (e.g. savings rate for house)
We live in the western commuter belt of Berlin and want to build here as well. Typical prices for building land are around 380€/sqm and we would actually like only 500-600 sqm. Unfortunately, at the moment only very large plots up to 1000 sqm are offered, which are correspondingly more expensive.
For the house, we have imagined a maximum of 130 sqm and 4.5-5 rooms. We do not need much space, but it would be nice to have a study or a desk corner somewhere. It should have no basement (which would probably flood here eventually anyway) and it does not need any luxurious equipment otherwise. We would like to build with the KfW loan, which would fit next year due to the conditions. Therefore, the house must comply with the KfW40 requirements.
At the moment, we are a bit overwhelmed by the planning and selection. Neither of us knows anything about construction and we cannot assess which house providers are qualitatively good and financially stable. Where does one start? How does one find the good local builders? How do you select a suitable plot, other than by subjective criteria like a nice view?
A semi-detached house would also be an option, then you would only have to convince someone from your environment or find another family.
We are grateful for any input.
Best regards Qwertyqwertz