Planning to build, is it realistic? Young + Equity

  • Erstellt am 2016-07-13 15:15:48

ypg

2016-07-14 11:30:26
  • #1




It’s not about who pays off, but who will own something, i.e., who is listed in the land register.

Well, after having slept on it, you naturally have your thoughts regarding the land register entries. We here don’t always have to assume unfairness when planning like you do, namely you building a house, and as long as the girlfriend is around, she may live there and doesn’t have to pay, but then leaves empty-handed if the relationship is not continued. After all, she also has a good salary and can fill her own savings book during that time while you pay off the house.
But then the living standard costs should be halved and not borne by the person who doesn’t have to pay installments, because then the balance of consumption and obligation as well as wealth accumulation isn’t present.

But I would like to repeat my question which you have not yet answered:



Property or real estate makes one immobile, which makes a reorientation or finding a more lucrative workplace more difficult. The IT industry is hardly the most sedentary industry...
Furthermore, the frugal free time has to be dedicated to caring for and maintaining a house, primarily on weekends. Just chilling in the garden isn’t enough, because it doesn’t maintain itself.
Who cleans the house, the masses of windows, the basement?
With a net income of 4000, one is rarely willing to spend 200-400 euros for maintenance and care.
Do you / do you all have the desire to sacrifice your freedom and independence?
What if there is a new girlfriend? She might be impressed by a man who already owns property, but does she want to live in a house she did not help furnish?



Keep in mind that if your father becomes a social welfare case (due to old-age poverty or illness) within 10 years after the gift and the state has to pay for care, it generally reverses the gift so that funds are available to pay.
 

LukeLuu

2016-07-14 11:46:32
  • #2


Since I have been dreaming of owning my own house for a long time. My girlfriend and I have now been living in a rental apartment for almost 2 years. The money I pay for the cold rent I can just as well invest in my house, which then belongs to me.

It always depends on what you do in IT. I think in my field I can find a job in any medium-sized company. There are quite a few here in my area. And currently I am happy with my employer and that will remain so for the next 8-10 years.
 

Neige

2016-07-14 13:33:26
  • #3
Sorry if I sometimes write what I think. You mostly write about "me." I don't read any "we." That has, at least for me, a bitter aftertaste. One almost gets the impression that you are planning the future for yourself alone and not together. It comes across as if you were saying: "If it doesn't work out, I'll just throw the old woman out, after all, it all belongs to me." It may be that I interpret your lines differently, but for me personally, no basis, not together.
 

LukeLuu

2016-07-14 13:51:50
  • #4


Don't see the problem with that? I
 

bierkuh83

2016-07-14 13:57:00
  • #5
I could just be laughing my head off again about the well-meaning but completely off-target "concerns"... Someone comes along with a huge chunk of equity, who can basically handle the whole thing with one salary, and here in the forum that seems to be the ideal, and then other things get picked apart... My God, what business is it of yours how the young man plans his life... This is purely about the house construction and the possibilities, and they are great... How you arrange things with your girlfriend and how she sees it is only your business... Let's get to the point: You can certainly get 200K€ from the bank and service it with 4% annuity... At that age, a 30-year term is also sufficient, if you earn more money you can reduce it with special repayments... or after 10 years, if you maybe get money from your parents again, pay it off completely... whatever, the conditions are great. P.S. I always find the advice to consider that the parents could become care cases totally great... Tell me, do you also always look 5 times to the right and 5 times to the left and then 5 times to the right and 5 times to the left again before you cross the street or drive? And always remember to move to the left lane at the end of a traffic jam, behind it there could be a truck with broken brakes and better get a VW Touareg right away...
 

LukeLuu

2016-07-14 14:15:42
  • #6
Thank you ! Unfortunately, I have also gotten this impression. I just wanted to find out if it would work with the requirements.

How I plan my life, how I lead my relationship, no one here can or must tell me that. Apart from the fact that I also don't listen to what others have to complain about my relationship..

I will continue to calmly search for land and meanwhile already compare the different property developers.
 

Similar topics
15.02.2019Property valuation in case of gift14
14.03.2019Notary fee invoice after gift15
11.09.2020Gift from a friend - right of reclaim32
01.04.2021Taking possession before gift / usufruct / renting - disadvantages?52

Oben