Is financing possible with ING?

  • Erstellt am 2020-12-13 19:55:01

Hausbautraum20

2020-12-14 06:41:43
  • #1
Perhaps you could share your cost planning and the house provider? Maybe experienced people could then help you figure out if you might have forgotten something?

You have to understand why everyone is wondering. We get 3 quotes for all trades, know someone more or less well personally from almost all companies, do a lot ourselves (or for example, father and father-in-law have each already helped over 150 hours), but still we calculate with 400k for the house + ancillary building costs + outdoor facilities for the same house size. It would really be very nice if it were different, but the material costs alone are just high.

And now, on top of that, many people here have doubted that it will work out for us. If we didn’t have our parents backing us, we would have ultimately built smaller to be able to sleep peacefully at night.

So overall: I do think you can manage a house with your income. But at this point in time, I can’t imagine it. Good plots aren’t that common, so I would immediately look for (local) banks that will finance your land purchase. And then save, save, save for 2-3 years. The child doesn’t need a house for that long anyway. And then your equity base will look completely different and you can also assess how much house you want to take on.

Another question aside (you don’t have to answer because this really goes off-topic): Why don’t you work full-time? The 1000 per month would have helped as well.
 

Hausbautraum20

2020-12-14 06:47:25
  • #2
You unfortunately miscalculated, right? There remain €282,000 for the house. That would be a price per square meter of €1,700 for EVERYTHING. How on earth is that supposed to work?
 

Olli-Ka

2020-12-14 06:55:24
  • #3
Oh shit, it's even much worse. So, and now maybe answer all the questions again, then you will be able to get help. Olli
 

Ysop***

2020-12-14 07:05:59
  • #4


then you have answered your initial question yourself :) And you wouldn't have needed to get anonymous opinions on the internet. Honestly, no one here wants to harm you. It is your life and your finances. I am definitely curious what the Ing-Diba will say.
 

nordanney

2020-12-14 07:20:37
  • #5

Preliminary review means that a machine shows a green, yellow, or red traffic light. You receive the result that it is possible in all cases. It is just that, in the case of yellow or red, someone who is not a machine checks again manually. You are waiting for this result. Even as an unemployed person, I can get a concrete result for the financing of the luxury villa, which is then manually reprocessed...
By the way, for fun, I looked at a few customer calculations again. But not those of private individuals, rather from developers in the multi-storey residential sector (partly publicly funded housing). None of our customers go below €1,800 pure construction costs. And we are talking about double-digit million amounts here – so easily 50 or 100 apartments built en bloc, where scale effects are therefore also present. This number on the seller’s side is just for your information to assess your offer.
 

Ysop***

2020-12-14 07:23:12
  • #6
Does that really have to be? :rolleyes:
 
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