saralina87
2019-10-24 08:52:13
- #1
How much is missing? Another option would be a variable loan without fixed interest rate with arbitrarily high special repayments something at every quarter or half year. At least then everything is properly regulated. And without fixed interest you are not bound to the bank financing the property.
A consumer loan would also be possible, then you also don't have to unregister the bank. It always depends on what you want to achieve with it. If it's about "financing" the property as cheaply as possible, the private option is preferable.
About 40,000 are missing if we want to keep a sufficient buffer. Thanks for the tips!
I join the question about what amounts it should be and what conditions you have considered? So interest, repayment and the resulting term.
What also interests me on the side: If there is no amount in the notary contract, what are the notary costs or property transfer taxes based on (which do not apply here)?
No conditions yet, we are not that far. Currently it’s more about the very basic approach. But roughly calculated: 15 years, 1.5% interest, about 250 euros rate - that should work.
Regarding the notary: good question. It should also be "problematic" with gifts. Maybe he takes the standard land value? That would actually make sense.