Purchase of semi-detached house: Handover only in 2016 - Planning, financing options, interest-free period

Really good that you have a lot of equity and also a good income. The calculations, including what concerns the future operating costs of the house, are very well estimated by you, the bank would even assess less.

The financing is still a bit rough. Especially with so much equity, a much better structure and thus a better interest rate can be established.

Regarding the timing:

The approach that ypg suggests would be good. Almost everything can be regulated in the purchase contract or land register. With the financing, you can suspend the repayment in the first year and have the interest paid by the seller. To what extent this affects the purchase price is a matter of negotiation.

A second way would be to work with a good real estate agent who can find an apartment for the seller for one year. Or you know someone yourselves who wants to rent an apartment for the medium term. This also gives you the opportunity to approach the seller and make it easy for him to sell you the house immediately.

How do you see that?

Best regards Flo

A second way would be to work with a good real estate agent who can find an apartment for the seller for one year. Or you know someone yourself who wants to rent an apartment mid-term. This also gives you the opportunity to approach the seller and make it easy for him to sell you the house right away.

With that proposal, you would already be out of the negotiations with me as a seller ;)
Am I supposed to move from my house into an apartment first, only to move again into my new home afterwards? In the current market situation, buyers are lining up if it’s about reasonably decent properties and the seller sets the rules.

With that suggestion, you would already be out of the negotiations for me as the seller ;) Am I supposed to move from my house into an apartment first, only to move again into my new home afterward? In the current market situation, buyers are lining up if it's about reasonably decent properties, and the seller sets the rules.

A valid argument with which you are certainly right.

In the end, it depends on what the seller wants. Maybe he wants to handle the move as stress-free as possible and not all at once; moving out plus moving in is usually more effort than now taking the furniture etc. out of the house and storing it in a warehouse, living in a furnished apartment for 9 months, and then comfortably managing everything when the new build is finished.

That could help the seller because if I put myself in their position, that would be acceptable to me, especially since I would get the money immediately.

What do you think?

I have been a silent reader for some time now

...and will remain so?