Planned financing land + single-family house 2022/2023 - Are the framework conditions suitable?

  • Erstellt am 2021-07-20 10:09:55

BackSteinGotik

2021-07-20 19:31:03
  • #1


Yes, and rather finance the plot variably in order to be flexible during the time until construction and the actual mortgage. In every respect – in choosing the bank for the full loan and for the project itself. See FAZ from yesterday – more and more builders are currently returning their plots because they can no longer afford the projects after the current price increases. You accumulate equity (which is very important again today alongside a high income – practically your entry ticket), and if you achieve your goals based on your income, the prospects of realizing the project in 2023/2024 might be better than today. And even if construction costs continue to explode and interest rates rise, you will be able to get rid of the plot again...
 

Maschi33

2021-07-20 20:59:08
  • #2


Why are you still justifying yourself after such a disrespectful shitty post? Nobody in general gives a damn about your background. I hate people who use every opportunity to humiliate their counterpart about as much as I hate athlete’s foot. It’s not like you’re about to retire soon, but well, now I can feel my pulse slowly rising.

My assessment of your situation: Make sure to significantly increase your salary, because that is extremely low for a master’s in PM. But the course seems to have already been set, although of course anything not fixed in writing should be taken with caution. Don’t let the carrot be held just out of reach for too long.

You can already secure the plot when the authority contacts you. But in your place, I would only start construction at the earliest 2 years after buying the plot, as long as it doesn’t conflict with regulations. Until then, you can already repay significantly and ideally also set aside some money for kitchen etc. Maybe also reconsider your requirements for the house’s features: 160 sqm living space, double garage, basement etc. I think that in total might be a bit too much of a good thing.
 

Hausbautraum20

2021-07-20 21:07:04
  • #3
I see no problem for you if you buy the property next year and build in 3-4 years. Whether the 160sqm plus basement will work is another question, but you will see that then.
 

HilfeHilfe

2021-07-21 06:27:56
  • #4
Hello, in 2022 you might possibly already acquire and finance the [Grundstück]. Everything else remains to be seen, usually there is a building obligation within 3 years. Here it will be exciting whether income comes in, inheritance flows, etc etc

Currently everything ([Grundstück] + construction) is too big for you.

The Bänger
 

Dorfkind91

2021-07-21 09:18:52
  • #5


I actually always feel the need to justify myself in situations like this, but I generally definitely agree with you. I always find it funny when other people take it upon themselves to "construct" something out of a limited pool of information. But well, there are all kinds of people – we know that. As I said, I already got the promotion in 2022 in writing; luckily, my boss is always careful to handle such things very quickly with HR. I’m happy to wait with the team lead position until 2023; until then, I want to complete some further leadership courses (all of which, by the way, have already been booked and paid for by my boss), so that should actually be on track. :)

Since we want at least 1 (small) office and 2 children’s rooms, it won’t work much smaller than 140–150 sqm, so the garage and/or basement will probably have to go. But that’s all future music for now; first, securing the plot in 2022 is the priority.

Thanks to everyone for your constructive suggestions and food for thought; it has already helped me a lot and strengthened my opinion to save even more purposefully from now on and turn every cent twice! :)
 

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