Is the financing for the house calculated well enough?

  • Erstellt am 2017-05-18 21:22:06

Murmel17

2017-05-19 14:43:59
  • #1
Now one more question about the calculation.
I have calculated back and forth a thousand times. Do I get by with my monthly breakdown? What are your experiences?
So:

Loan: 1160
Additional costs: approx. 250 (kfw55, gas boiler, ventilation with heat recovery)
Insurance: 70 (house, liability, legal)
Car insurance (2): 100
Fuel costs: approx. 250 both together
Groceries and household: 300
GEZ: 17
Mobile phones: 90
Internet and TV: 65

So approx. 2212 euros that I need at least to survive.

Then:
150 clothing
200 leisure (hobby, going out to eat, cinema etc.)
80 hairdresser and co
100 holiday savings rate

Then I am at a total of about 2700 euros.
From net 3950 deducted, about 1250 euros remain. Maybe more or less sometimes.

If I take a 60% position and calculate at sk3 plus child benefit, that is 3600 less total expenses. Then there should still be 800 to 900 left. Depending on the month and purchases.

Does that roughly add up or have I considered too little somewhere?
 

Knallkörper

2017-05-19 15:13:42
  • #2
Do the countercheck: What do you have left now? Ultimately, only you can know if this works for you. Surely it is possible, very sure even. In my household budget, for example, there is still something for reserves (house and car), double for food and car insurance, and four times for vacation. But then it should still work. The cleaning lady will then be tight.
 

Sascha_aus_H

2017-05-19 15:22:22
  • #3
What about retirement provision? That item alone costs us €600 per month.
 

Caspar2020

2017-05-19 15:35:13
  • #4


So banks don't calculate 2.5-3 € per sqm for nothing. You have 160 sqm. About 250 is tight. There are a lot of different charges that a home costs, which are totally independent of the heating, and a small part of the 2.5-3 are also maintenance reserves (0.50€).



Personally, I have significantly higher expenses for groceries and household, vacation.

What really hits hard is the child and the associated childcare... (500-600 p.M.)
 

ypg

2017-05-19 15:51:33
  • #5


But these are covered by the employer, and grandma doesn’t live far away either

Best regards in brief
 

arnonyme

2017-05-19 15:59:36
  • #6
Almost 2000 € a year for clothes?
That's enough for me for 10 years
Clearly too little for food, especially when wife and children are at home.
They eat the hair off your head
500 are not nearly enough for that.
 

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