Prefabricated house / Shell house

  • Erstellt am 2016-10-16 14:56:45

Climbee

2016-10-18 09:05:52
  • #1
I agree with all my predecessors.

But what hasn’t been mentioned at all yet, and I want to address now:

You can already plan to build a house with your means. You are assuming the CURRENT maximum burden of €850, probably you can even manage €1,000 (cold) if you really restrict yourselves at the moment.
And with the currently low interest rates, you lock that in for a long time. 20 years fixed interest rate, right?

So, if I have read correctly, you are 31 and 25 years old and currently have no children, but apparently already have them planned in the back of your mind. Probably in the next 10 years, right?

So, I come back to the fixed interest rate: with your monthly possibilities, fully utilized, financed over 20(!!!) years, you can manage it somehow (I will come back briefly to the own contribution below). But how is that supposed to work if you still want children and one salary disappears fully or partially? Have you ever thought about that? Can you manage the €850 or even more ALL BY YOURSELF with your salary? And then there are children, too, who cost money, and NO, you can’t raise them on child benefit alone...

And own contribution, something has already been said about that. You are a craftsman yourself, so you know your hourly rate. Now calculate how many hours you want to work so it amounts to €30,000...
And that has also already been said: sure, you can move into a relatively unfinished house and keep working on it on the side. But certain things must be there at move-in: connections, the toilet bowl should be installed (if you move in during summer, you can do without a shower at first and shower outside in the unfinished garden, that also saves money, right), the bed should stand somewhere, and then you can finish room by room. It’s possible, but you won’t really do it that way. So the time during which you pay both rent AND the loan will be longer. How long can you manage that?

Outdoor facilities/plaster etc.: look exactly at what is required here. I know building areas where they want the outdoor facilities to be completed two years after the sale. And then there’s no “the roses can bloom later.” If you don’t have any restrictions there, great, then that can really wait (but it’s also not nice, for example, to live in the dark for days because the plaster is being applied, constantly have dirt because the outside is still just a mud pit after a year, etc. But that’s bearable).

So, long story short: you can surely manage it somehow, but in your life planning you might want to decide on a dog instead of children...

Please come down to reality immediately and don’t snap at any moderators because they don’t tell you what you want to hear (there’s a reason why they became moderators... usually it’s experience).
 

Bauexperte

2016-10-18 09:25:20
  • #2

My nickname is Bauexperte - just for the record - and I consider you a troll.

If you continue to disregard any advice given by the users writing here in the manner you have shown so far, meaning your behavior does not change, you will soon have to play elsewhere. The advantage is that the writing members will then have more time for seriously meant user questions.

Rhenish greetings
 

toxicmolotof

2016-10-18 09:37:58
  • #3
Now I totally missed this thread...

But guys, don't worry about it. It will go like this.... Planning starts at 150, ends at 200 and the house costs all in 250.

And then there's the land on top of that.

Total 350 TEUR.

Now deduct the "Ich mache das Selber Sparbonus" and we end up at 300.

So it's almost the same as 150.

YMMD
 

toxicmolotof

2016-10-18 09:42:36
  • #4


Forgot additional construction costs, add another 50k to each figure.
 

Caspar2020

2016-10-18 13:00:08
  • #5


True The bank gives money for free
 

Doc.Schnaggls

2016-10-19 14:35:05
  • #6
Hello,

let him run then, if he doesn’t want to accept advice that doesn’t fit his plan, he will sooner rather than later come crashing back to reality.

Even TV shows like "Die Bauretter" are grateful for new "clients"...

No words - I have rarely experienced so much resistance to advice here.

Now I’m probably also counted among the "unfriendly" people here in the forum, even though I’m not even a mod or admin...
 

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