Is financing a new building feasible?

Alex, a Kia Picanto is not a small car but a microcar.

Driving tires for 7 years is irresponsible, an inspection every 2 years for 200 euros (100 already go to the TÜV)? The manufacturer surely sees it differently.

By all means, set the RND to 10 years.... that's still 300 euros/month.

No matter which car, that is slightly bigger than trainee cars.

Of course, you can save... that's called investment backlog. Eventually, the bill comes due.

So don’t sugarcoat it.

I'm talking about a Ford Fiesta here. But I can also give you the bill for a Ford Mustang if you like, but that will be four digits per month.

I would also like to contribute here. The approach from noelmaxim was quite interesting. Why isn't this being discussed further? I just checked as well, Signal really provides the conditions for the building savings contract. After a phone call with the company, it is also true that KFW is excluded from the loan-to-value ratio. This is already interesting for us, as we also intend to build with KfW funds and perhaps secure the fixed interest period of 15 years with a building savings contract. I would like to learn more about that.

Alex, a Kia Picanto is not a small car but a microcar.

Right. Mea culpa. But I can recommend sitting in one sometime, you’ll be surprised.

Driving tires for 7 years is irresponsible, an inspection every 2 years for 200 euros (100 already go towards the TÜV)? The manufacturer surely sees that differently.

Aha, irresponsible. Well, they still had just under 5mm tread left, totally fine for summer tires. But they reached the age limit, you could see it on them. I think ADAC says 8 years, but I might be wrong. Hence the change, of course I bought the summer tires off-season in winter. Inspections get incredibly cheaper if you go to an independent garage and aren’t forced elsewhere by the new car warranty (although that’s possible nowadays too). There’s 1.5 hours of labor on the bill plus small parts like filters. What big costs should there be? Wrong habit. What the manufacturer thinks doesn’t bother me. Their workshops also want to make a living and get well fed, right? Besides, not every manufacturer mandates annual maintenance; in my car it’s only interim services, which are cheaper (checks with even fewer small parts replaced).

Fine, then you put the RND at 10 years.... still 300 euros/month.

12000/10/12 = 100€. And that car isn’t worthless after 10 years either. Even if it’s just the scrap value.

No matter which car, as soon as it is just a bit bigger than apprentice cars.

Yes, finally, that’s what I wanted to hear! Stereotypes are indeed there to be served.
Whether my Zafira passes as a small apprentice car, I’d doubt. If you mean power, then that’s probably right, it “only” has 140, your bike beats me hands down.

Of course you can save... that’s called investment backlog. Eventually you pay the price for it.
So don’t sugarcoat it.

What am I sugarcoating? My numbers are real, genuine, not made up. If your opinion mattered more to me, I’d now go stand at the scanner.
I just drive two Opels, nobody here has gotten sick from them. They aren’t beaten-up cars held together with cable ties. They are tools that get maintained. But certainly not with a toothbrush on the weekend.
(A little anecdote: I live in a house built around ’74-76, the neighborhood accordingly. Very quiet and decent. Many homeowners are retirees or close to it. Our house here is quite a large place, others have a tiny terraced house slice. But of course with a garage. On Saturdays, and in good weather, the gates open and they push their cars out for polishing. One has a Golf GTI (how ridiculous, seeing old men with a teenage dream), another a 20-year-old Mercedes convertible. Then the cleaning and polishing begins. I think they’ve been playing this game with each other for decades. But there seems to be no winner.)

I’m talking about a Ford Fiesta here. But I can also gladly show you the costs for a Ford Mustang, but that will be four digits per month.

Congrats. I believe you anyway (yes, that’s disinterest).

But, to finish this off. You found your hobby in cars and that’s okay. Hobbies may cost money. I started this thread with the statement that calculating with flat rates like 500€ per month for cars makes no sense, because that includes low-mileage drivers and price-conscious people like me, but also 50,000 km per year in a BMW 7 Series. The average, basically. For this calculation base to have value, we’d also have to consider average salaries, average land prices, and average construction costs (and my impression is that this forum is rather above that).
How that is supposed to help the OP, I no longer know.

I’m usually not so theatrical (at least I think so), but I have to say, the new, controversial user here in the forum who likes to broker financings at least held up a mirror to me a bit. Here people tend very quickly to push others with their “life plan” into their own mold. And those who don’t fit get knocked down. It can’t be like that. That’s getting on my nerves right now.

Actually, I didn't want to create this thread so that the monthly costs of a car would be debated page after page. We will simply assume 200 EUR per month. I will leave the purchase costs aside since it is purchased and paid for. We are aware that there is nothing to save in the first two years; the base salary from me will be used as a basis. However, since I can expect regular special payments, these will be put aside as a surplus for miscellaneous expenses, so that the two years until my wife’s employment should be bridgeable.

I would like to contribute here as well. Noelmaxim’s approach was interesting. Why isn’t that being discussed further? I just checked, Signal really does allow that as a condition for the building savings contract. After a phone call with the company, it’s also true that KfW is excluded from the loan-to-value ratio calculation. This is quite interesting for us too, as we also intend to build with KfW funds and maybe secure the 15-year fixed interest period with a building savings contract. I would have liked to learn more about that.

First post and immediately "advertising" for Noelmaxim, who is no longer allowed to advertise himself?? Nightingale, I hear you sneaking...

Is Haribo actually a trademark?


The ADAC states the costs for a Kia Picanto from 348 euros. An Opel Zafira from 641 euros. A Ford Fiesta from 417 euros and a Mustang 5.0 from 1201 euros.

They probably don’t just pull these numbers out of thin air there either?

Of course, there are individual parameters to consider that generate varying costs, but realistically calculated not under 200 euros. Sorry.

The Dacia Sandero comes at 310 euros/month as the cheapest car.

By the way, you don’t know me and have no idea what my stance on the topic of cars is.

Now BTT.