Hausbau2022
2020-12-02 10:29:54
- #1
Wishes cost money and nobody has anything to give away. And you can certainly wait, just don't be surprised if it gets even more expensive in the end and you say I should have.
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There is now the possibility that we could buy a property in our desired location. The whole plot. To that:
It is "unfortunately" only a terraced house in the middle, it would still need to be renovated according to our wishes (inhabited by an elderly lady in recent years) and costs about 400K.
What is still negative for us: no direct access to the garden, no garage at the house, no parking space (I don't have more details yet, as it is still relatively new)
A terraced house in the middle was never an option for us because of the narrowness and poor lighting conditions; now we have looked at a few "modern" terraced houses in the middle that had floor-to-ceiling windows, were very well designed, etc., and this offer made us think.
In my opinion, the price/performance ratio for such "small" properties does not match. Or we simply do not have the necessary imagination regarding terraced houses...
Thanks for your opinions :)
I am currently gut renovating a two-family house with 120sqm/80sqm. The 120sqm apartment from sanitary/electrical lines to doors and windows, floors, bathrooms, new heating + underfloor heating, etc. The 80sqm apartment is getting new radiators + its own heat pump and new windows. In addition, everything that is necessary will be insulated (top floor ceiling, basement ceiling, ETICS). Everything will be KfW 55 standard; thus 40% funding on a large part of the measures including funding for the energy consultant (I pay from equity and take the subsidy). No changes to the room layout (only one wall was removed). I will end up at about 100k euros. Then the subsidy will be deducted. But: All individual contracts and integration of own work (drywall, a bit of gutting, tiling/wood flooring/insulation work). Without own work I would estimate an additional 30k euros, possibly a bit more. So your estimate should roughly be correct.The house was built in 1962, has about 160sqm on three floors, the plot is about 380sqm, fully basemented, it needs to be renovated (so heating, water, windows, possibly insulation, it is an architect's house (no idea if that is positive, the materials used are supposed to be of higher quality) Can you roughly estimate what costs one has to expect for this renovation? And is a KfW loan worthwhile in this case? Our estimate is about 100-150k...
Thank you for your details. Your costs are top, certainly due to the individual tendering. Is it sensible, for example, to use the KfW loan for this? I have read some criticism regarding KfW (it takes a long time until the approval is granted, the energy consultant has unrealistic expectations, conditions are no longer as attractive compared to a classic loan (with the requirements)? Do you know which KfW loan I can use as standard? Can they also be combined?I am currently gut-renovating a two-family house with 120sqm/80sqm. The 120sqm apartment from sanitary/electrical lines to doors and windows, floors, bathrooms, new heating + underfloor heating, etc. The 80sqm apartment is getting new radiators + its own heat pump and new windows. In addition, everything that needs it will be insulated (upper floor ceiling, basement ceiling, external thermal insulation composite system). Everything will be KfW 55 standard; thus 40% funding on a large part of the measures including funding of the energy consultant (I pay from equity and receive the subsidy). No interventions in the room layout (only one wall was removed). I will end up around €100,000. Then the funding will be deducted. But: everything individually tendered and integration of own work (drywall, a bit of gutting, tiling/parquet/insulation work). Without own work I would estimate an additional €30,000, possibly a bit more. So your estimate should roughly fit.
Is it sensible, for example, to use the KfW loan for this?
(it takes a long time until the approval is granted, the energy consultant has unrealistic expectations, conditions compared to a classic loan are no longer so attractive (with the requirements)?
It depends. For you, the unknown variables are what you need/want to finance, what conditions a bank loan has, and which KfW level you want to achieve.
The program Energieeffizient Sanieren is an option for the renovation:
It's all relative. For the grant, I only needed a few days - but settlement is only at the end. 0.75% for 10 years is not bad, but it's "only" 10 years.
The energy consultant cost €3,520 (construction supervision only online, I don't need him on site) - you get 50% back of that via KfW. Application is straightforward and fast.