Fortuna86
2013-07-03 09:47:32
- #1
Hello,
my future husband and I are currently in the „Passende-Lösungs-Findungs-Phase“. We have equity capital of €30,000.00 which comes from old building savings contracts that I received as a gift from my grandparents. In addition, there is the small capital from our own building savings contracts.
In total, we would like to spend €150,000 / so we still need to borrow around €120,000 and repay this at 3% with €700 monthly over 20 years.
Plots are quite inexpensive where we live (compared to Munich or other metropolitan areas). They range from €23.00 in the countryside up to about €70.00 in the small town. We live 50 km south of Bremen. We do not want a too large plot (maybe 800-900 sqm). We are not absolute garden fanatics.
The size of the house should be between 130 sqm – 140 sqm.
In view of the drastically rising energy prices, we would like to have an energy-saving house/passive house that can also be cooled down in summer, as I have problems with summer weather. Since we do not own a kitchen, it would have to be purchased. A small partial basement would be nice to be able to do laundry on site and store stuff. Also, a double garage. ([Mit kleinerGrube und/oder Hebebühne und einem kleinen(!) Werkraum]) oh yes and underfloor heating in the house. We both find wood very beautiful. On the ground floor, except for the living room and on the upper floor the bathroom should be tiled, and in the living room and the rest of the upper floor I would like wooden flooring. Also, I would find it very nice if the upper wooden beams could be left exposed.
My future husband has already built once with his parents and is, objectively speaking, not untalented, this also applies to his family. We could and want to do some things ourselves. For example, we can seriously do paving ourselves and install the interior doors ourselves. As well as wallpapering and laying wooden floors.
Furthermore, I dream of a plaster facade. However, I have concerns about possible follow-up costs.
And we have already decided on clay bricks.
Since we currently live in an attic apartment (which is actually quite dreamy), I am fed up with steep sloping ceilings and therefore dream of a Tuscan house.
However, I am considering whether I might want dark green windows.
By the way, I am aware that it would probably be two stories. :)
That’s so much for the ideas.
Now, there are about 1000 questions circling in my head:
- How do I avoid ending up with a black sheep of the construction world?
- How do I clearly separate companies and own work so that in case of unavoidable defects it can be clearly determined who is actually responsible?
- Since we want to build with solar, etc., can we apply for subsidies for this somewhere?
- Ground source heat pumps are all the rage, but don’t they consume terribly much electricity? Similar to night storage heaters?
- How does one find the suitable building plot for us? We are afraid that we build and then do not like it there. :-( (we already had this problem when looking for our first apartment)
- How do we avoid nasty follow-up costs on the plot because it cannot be built on without problems due to too much moorland, etc.?
- Is a plaster facade really so extremely costly?
- Which own work really saves money and is also reasonable to do ourselves?
- What costs must be expected for creating a simple garden/outdoor area?
- How do I recognize hazardous materials/paints/varnishes, etc.?
- What is better: plastic windows or wooden windows?
- And the most important question is:
Are my plans even financeable with the financing and my/our wishes or am I just building castles in the air right now?
my future husband and I are currently in the „Passende-Lösungs-Findungs-Phase“. We have equity capital of €30,000.00 which comes from old building savings contracts that I received as a gift from my grandparents. In addition, there is the small capital from our own building savings contracts.
In total, we would like to spend €150,000 / so we still need to borrow around €120,000 and repay this at 3% with €700 monthly over 20 years.
Plots are quite inexpensive where we live (compared to Munich or other metropolitan areas). They range from €23.00 in the countryside up to about €70.00 in the small town. We live 50 km south of Bremen. We do not want a too large plot (maybe 800-900 sqm). We are not absolute garden fanatics.
The size of the house should be between 130 sqm – 140 sqm.
In view of the drastically rising energy prices, we would like to have an energy-saving house/passive house that can also be cooled down in summer, as I have problems with summer weather. Since we do not own a kitchen, it would have to be purchased. A small partial basement would be nice to be able to do laundry on site and store stuff. Also, a double garage. ([Mit kleinerGrube und/oder Hebebühne und einem kleinen(!) Werkraum]) oh yes and underfloor heating in the house. We both find wood very beautiful. On the ground floor, except for the living room and on the upper floor the bathroom should be tiled, and in the living room and the rest of the upper floor I would like wooden flooring. Also, I would find it very nice if the upper wooden beams could be left exposed.
My future husband has already built once with his parents and is, objectively speaking, not untalented, this also applies to his family. We could and want to do some things ourselves. For example, we can seriously do paving ourselves and install the interior doors ourselves. As well as wallpapering and laying wooden floors.
Furthermore, I dream of a plaster facade. However, I have concerns about possible follow-up costs.
And we have already decided on clay bricks.
Since we currently live in an attic apartment (which is actually quite dreamy), I am fed up with steep sloping ceilings and therefore dream of a Tuscan house.
However, I am considering whether I might want dark green windows.
By the way, I am aware that it would probably be two stories. :)
That’s so much for the ideas.
Now, there are about 1000 questions circling in my head:
- How do I avoid ending up with a black sheep of the construction world?
- How do I clearly separate companies and own work so that in case of unavoidable defects it can be clearly determined who is actually responsible?
- Since we want to build with solar, etc., can we apply for subsidies for this somewhere?
- Ground source heat pumps are all the rage, but don’t they consume terribly much electricity? Similar to night storage heaters?
- How does one find the suitable building plot for us? We are afraid that we build and then do not like it there. :-( (we already had this problem when looking for our first apartment)
- How do we avoid nasty follow-up costs on the plot because it cannot be built on without problems due to too much moorland, etc.?
- Is a plaster facade really so extremely costly?
- Which own work really saves money and is also reasonable to do ourselves?
- What costs must be expected for creating a simple garden/outdoor area?
- How do I recognize hazardous materials/paints/varnishes, etc.?
- What is better: plastic windows or wooden windows?
- And the most important question is:
Are my plans even financeable with the financing and my/our wishes or am I just building castles in the air right now?