jaseb
2016-06-12 21:37:48
- #1
Good evening,
my wife and I are planning to buy a two-family house in the southern Osnabrück district (close to the city: 8 km to the Osnabrück city center, good public transport connections).
We would be very grateful for your advice.
personal data:
property data:
Among other offers, we have the following financing offer from Oldenburgische Landesbank:
loan amount €450,000
disbursed loan amount €450,000
30 years fixed interest period (fully paid off after 30 years)
5% special repayment
nominal interest rate 2.450%
effective annual interest rate 2.48%
initial repayment rate 2.260%
360 monthly installments €1,766
interest €185,892
repayment €450,000
total payments €635,892
Thank you very much for your advice and suggestions
my wife and I are planning to buy a two-family house in the southern Osnabrück district (close to the city: 8 km to the Osnabrück city center, good public transport connections).
We would be very grateful for your advice.
personal data:
[*]She: tenured teacher, 31 years old, €3,000/net
[*]He: tenured teacher, 28 years old, €2,600/net
[*]no children
[*]€40,000 equity capital (used for €40,000 incidental purchase costs (notary, property transfer tax, broker))
[*]additional savings (€5,000) available
[*]approx. €3,000 monthly fixed costs including housing ancillary costs, insurances (also risk life insurance), 2 cars, living expenses, private health insurance, etc.
[*]no further loans
property data:
[*]two-family house from 2002: 800 m² freehold plot (value €145,000), 280 m² living space
[*]according to official appraisal, the construction condition is rated "very good"
[*]garage, full basement, upscale fittings, decorative garden
[*]€495,000 market value --> €450,000 purchase price (kitchen and other furniture included)
[*]no significant renovation costs
[*]€600 future rental income (cold)
Among other offers, we have the following financing offer from Oldenburgische Landesbank:
loan amount €450,000
disbursed loan amount €450,000
30 years fixed interest period (fully paid off after 30 years)
5% special repayment
nominal interest rate 2.450%
effective annual interest rate 2.48%
initial repayment rate 2.260%
360 monthly installments €1,766
interest €185,892
repayment €450,000
total payments €635,892
Thank you very much for your advice and suggestions