Relation Construction sum / Financing - Survey

2019-08-12 08:11:57

The percentage of the salary also says nothing. Three times child benefit + [Baukindergeld] makes 900€ per month. If I didn't factor that in, I would pay almost 50% of the monthly net income. Bonuses are also not included yet.

2019-08-12 08:13:58

Construction costs covered by equity. Construction loan taken out due to favorable interest rates.

2019-08-12 09:10:45

24% equity
29 years
Start of construction 09/2018
Construction sum including land 250k (without EL/family discount on materials rather 280k)
42% of net income (but does not have to pay additional costs)

2019-08-12 09:18:19

Construction sum €350,000
Construction start mid-2016, move-in mid-2017
Age at construction start 29/26
Equity 40%
Repayment 25% of net

2019-08-12 09:35:05

The percentage of the household income says nothing at all. Three times child benefit + home-building allowance equals 900€ per month. If I didn't include that, I would pay almost 50% of the monthly net income. Bonuses are also not included yet.

2019-08-12 09:41:43

No, why should I start modifying a rule of thumb. What are they for then? Their purpose is explicitly not to consider individual cases, but to generalize as strictly as possible.

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Relation Construction sum / Financing - Survey

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