Multifamily house - Building savings contract & pre-financing sensible?

Why do you rely on an air-to-water heat pump instead of a brine-to-water heat pump? For a multi-family house, the investment surely pays off, doesn’t it?

I am not yet decided and also still know too little about the various options. I always have the term "fracking" in mind with a brine-to-water heat pump, and in that context, there could possibly be problems related to former mining activity and the use of brine water in the area. But as I said, that is just my lay understanding, and I’m not that far yet. I would just like to avoid other energy sources besides electricity for this project, if possible. Solar systems are most likely not worthwhile because the house is too shaded for that, and for all fuels I need a chimney and also an appropriate connection to a network or regular deliveries. So if I can avoid that, I would like to go in that direction.

I always have the term "fracking" in mind with a brine water heat pump, and in that context, there could possibly be problems due to former mining activities and the use of brine water in the area.

That of course needs to be clarified.

Solar systems are most likely not worthwhile because the house would be too shaded for that...

You mean photovoltaic? Basically, the idea of avoiding fossil fuels is good; you are quite alone in that. Most investors are focused on returns and as little expected trouble with future tenants as possible. In that respect, gas is the only alternative for most. For a multi-family house of this size, you will need a fairly large air-water heat pump; hence my question regarding the brine water heat pump. The pure device/installation costs should roughly balance out and end up at about EUR 38,000. However, drilling costs are added; these can be well estimated because the moles have their tables where they can look up whether operating a brine water heat pump is even economically sensible. Rhenish greetings

You mean photovoltaic?

Basically, the idea of avoiding fossil fuels is good; you are pretty much alone in that. Most investors focus on the return and as little expected trouble with future tenants as possible. In that respect, gas is the only alternative for most.

I mean both photovoltaic and hot water. The house will stand next to an avenue of very tall, dense plane trees and will be shaded by the neighboring house.

I don’t really care about the return. The LBS guy came around at some point and said he would calculate the return for us and then threw out 3.6%. When I asked “3.6% of what?” he couldn’t explain it, and to be honest, I had the feeling that this was just a marketing number thrown at people who only care about money. I’d rather put something sustainable and finished there. And I don’t want to make that available only to the top 10,000. In town, there is a larger new development in a worse location with worse conditions where they charge 11 euros per sqm in rent. I’m planning on 8 euros and would even go lower if it were economically feasible. What’s more important to me, however, is that a community can form there and that everyone gets along well together. You don’t have that when everyone is just for themselves anyway, and with 11 euros cold rent, you rather have the feeling that you’re also paying for all-round service.

Long story short: The goal is affordable living in high-quality apartments at a price that just covers my costs, so that I have paid it off after 30 years.

I would prefer to put something sustainable and finished there.

That is also my approach, I have already had long discussions about this with Bauexperte. :cool:

I am planning with 8 euros and would even go lower if it were economically feasible.

Then build energetically so that you can raise the rent to 9€ because the additional costs are so low (e.g., high KfW standard, brine-water heat pump, etc.). That is sustainable and very well accepted. This also increases your return - even if it is not your main focus.

I mean both photovoltaics and hot water. The house will stand next to an avenue of very tall, dense plane trees and be shaded by the neighboring house.

You don’t need solar for hot water if you stick with your decision to use an air-to-water heat pump.

I don’t really care much about the return. The LBS person also came along at some point and said he would calculate the return for us and then threw 3.6% into the room. When I asked “3.6% of what?” he couldn’t explain it, and to be honest, I had the feeling that it was just a marketing figure tossed at people who are only after the money.

Bad luck/bad salesman. You can easily calculate your return yourself. Stiftung Warentest has a download on this online. The result isn’t entirely accurate—a detailed return calculation requires more than two sheets ;)—but it’s sufficient as a guideline.

In town

Where in NRW is “in town”?

Long story short: the goal is affordable living in high-quality apartments at a price that just covers my costs, so that I have paid it off after 30 years.

Then a ground-to-water heat pump is definitely more than worth a look. nordanney has already given the right tip on this. It honors you that you want to create affordable housing; in my opinion, you don’t create a good living/renter community just through cheap cold rent per sqm. You also look at every person _only_ at face value ;)

That’s also my approach; I’ve already had long discussions about this with Bauexperte. :cool:

Rascal :D With you, family is moving in, and later you surely want more than just to cover the ongoing maintenance costs/reserves from the rent. Rhineland greetings