bungabungalow
2019-05-20 18:02:16
- #1
Hello dear ones,
after reading quietly for a long time, I wanted to ask you for your help / assessment.
As the name suggests, we originally planned to build a bungalow in the future. But now we have received a great offer for a newly built condominium.
It should cost €349,000, approx. 130 sqm living space (partly including roof terrace).
I would describe the standard as upscale. 3 rooms, 2 full bathrooms in a three-party house. The offer includes 2 parking spaces as well as a basement room.
Energy standard is only energy saving ordinance, so no KfW (except 124) possible.
The apartment is offered move-in ready including floors and walls, a 2-month-old kitchen is present and included. Furniture is also available, partly double, and at most 9 months old.
Now about us:
Currently 2 apartments, cold rent just under €1000.
Salary A late 20s: €3300 net monthly, plus Christmas bonus, annual bonuses additionally approx. €5000 net which should not be included; but these should be considered for special repayments.
Person A has private health insurance with €600. Employed at a large insurance company (no sales, the salary is fixed). Leasing car €350 monthly.
Person B mid-20s in public service, 1st experience level €1950 net, 13 salaries, plus allowances not included.
No debts.
Both are permanently employed and an increase is secured through the collective agreements. Children are definitely out of the question.
Equity: That’s difficult, only €15k available immediately without problems. Larger vacations around the world and moves (2 in 9 months) have taken their toll.
Broker 5.95% and real estate transfer tax 6.5% NRW + notary would have to be paid.
What are the chances of financing? Appointments with the house bank and intermediaries are pending.
We are aware that an installment loan would also be necessary, a higher burden up to a maximum of €1750 per month would be okay for us. Maintenance fees are not yet known, broker assumes €250.
Thank you very much in advance!
after reading quietly for a long time, I wanted to ask you for your help / assessment.
As the name suggests, we originally planned to build a bungalow in the future. But now we have received a great offer for a newly built condominium.
It should cost €349,000, approx. 130 sqm living space (partly including roof terrace).
I would describe the standard as upscale. 3 rooms, 2 full bathrooms in a three-party house. The offer includes 2 parking spaces as well as a basement room.
Energy standard is only energy saving ordinance, so no KfW (except 124) possible.
The apartment is offered move-in ready including floors and walls, a 2-month-old kitchen is present and included. Furniture is also available, partly double, and at most 9 months old.
Now about us:
Currently 2 apartments, cold rent just under €1000.
Salary A late 20s: €3300 net monthly, plus Christmas bonus, annual bonuses additionally approx. €5000 net which should not be included; but these should be considered for special repayments.
Person A has private health insurance with €600. Employed at a large insurance company (no sales, the salary is fixed). Leasing car €350 monthly.
Person B mid-20s in public service, 1st experience level €1950 net, 13 salaries, plus allowances not included.
No debts.
Both are permanently employed and an increase is secured through the collective agreements. Children are definitely out of the question.
Equity: That’s difficult, only €15k available immediately without problems. Larger vacations around the world and moves (2 in 9 months) have taken their toll.
Broker 5.95% and real estate transfer tax 6.5% NRW + notary would have to be paid.
What are the chances of financing? Appointments with the house bank and intermediaries are pending.
We are aware that an installment loan would also be necessary, a higher burden up to a maximum of €1750 per month would be okay for us. Maintenance fees are not yet known, broker assumes €250.
Thank you very much in advance!