Häuslebauer93
2021-07-02 21:34:07
- #1
Hello dear ones,
we also need your opinion on the planned construction project of a single-family house, as it is quite a huge amount.
General information about you:
Income and asset situation:
Expense situation:
Housing costs:
Mobility costs:
Insurance costs:
Living expenses:
Savings contributions:
Income and expense totals:
General information about the property:
Construction or purchase costs:
other costs:
Cost summary:
Thank you in advance!
Best regards
we also need your opinion on the planned construction project of a single-family house, as it is quite a huge amount.
General information about you:
[*]How old are you? M:32 and F: 27
[*]Are there children? no
[*]Are children planned? yes 2 children in the next 1-3 years
[*]What do you do professionally? M: self-employed F: permanently employed in IT sector (IG Metall)
[*]How many hours do you work? M: 50h F: 40h
Income and asset situation:
[*]What income do you have (gross/net)? M: 3800€ M: 2950€ + Christmas and holiday pay (BAV already deducted)
[*]How much equity do you have? 100,000
[*]How much of this equity do you want to invest in the house project? 100,000 (since about 30,000€ will still be saved until construction)
Expense situation:
Housing costs:
[*]current cold rent 650€
[*]current warm rent 845€
[*]electricity + water included in rent
[*]garbage fees 9€
[*]telephone, internet, mobile 80€
Mobility costs:
[*]car loan (or savings rate for new car) both cars paid off and relatively new (2 years and 5 years)
[*]insurance 120€
[*]taxes 13€
[*]fuel 300€
[*]repairs 50€
Insurance costs:
[*]private health insurance 450€
[*]liability insurance 0€ (co-insured as managing director)
[*]pension insurance (also Riester, Rürup, etc...) 330€
[*]accident insurance 44€
[*]household insurance 19€
[*]legal expenses insurance 0€ (co-insured as managing director)
Living expenses:
[*]groceries + drugstore 600€
[*]club fees / gym / streaming 140€
[*]leisure: 250€
[*]miscellaneous 300€
Savings contributions:
[*]holiday 200€
[*]miscellaneous about 3000€ (left over each month, currently even more)
Income and expense totals:
[*]total income approx. 6800€
[*]total expenses approx. 3800€
[*]balance approx. 3000€
[*]of which sum of cold rent and dispensable savings contributions (e.g. savings rate for house) 3650
General information about the property:
[*]How large is the plot? 570 sqm
[*]What is the standard land value? 95€/sqm
[*]New building, old building (year built), house type? new build single-family house Kfw 40+ with basement without slope location
[*]Garages? double garage
[*]How big is the house? (living area / usable area) about 140 sqm + basement
Construction or purchase costs:
[*]land costs incl. development and KNF: approx. 61,000€
[*]additional construction costs incl. notary, earthworks, connections and fees 65,000€
[*]outdoor facilities material 15,000€
other costs:
[*]kitchen costs 15,000€
[*]furniture, lamps, decoration, miscellaneous 14,000€
Cost summary:
[*]total costs 610,000€
[*]deductible equity 100,000€
[*]financing amount 510,000€
[*]savings potential through EL: approx. 15,000€ not yet considered
Thank you in advance!
Best regards