Save more or buy???

  • Erstellt am 2016-03-14 11:58:49

Vanben

2016-03-15 12:30:11
  • #1
What role does that play? In this case, it is solely about examining to what extent the rental income is suitable to help repay the loan for the additionally acquired house. Or alternatively, to contribute the liquidity freed up by a sale as equity.

I know approximately what 50,000 additional credit requirements cost, and I know how high the rental income is. The difference must be greater than the costs. That is quite tight in this case.

Everything else serves to get in my way, but certainly not for decision-making. Or would you like to explain how the size of the apartment, the purchase price at that time, the equipment, or location affect profitability, as long as the rent is fixed?
 

winni

2016-03-15 12:38:47
  • #2
I mean, there is a price increase. Whether I sell the apartment now and pay capital gains tax, or only after 10 years.
 

DG

2016-03-15 12:41:19
  • #3


Counter question: why should I care about the rent/rent development if the apartment gains 50% value within 3 years?

Sure, the number is unrealistic, but it only serves to illustrate that rent alone is not the decisive criterion when selling. And yes – if you don’t consider it as a whole, you make yourself vulnerable, or the statement that selling is definitely the right decision is – with all due respect – extremely unprofessional. The same applies synonymously to the other points.

Best regards
Dirk Grafe
 

Steffen80

2016-03-15 12:54:24
  • #4
We have 300k EUR equity and 500k loan. I wish I had bought a nice apartment with the equity and taken out an 800k loan :rolleyes:

Seriously: I claim outright...it's not a good idea to buy a rented-out apartment with a loan if I myself am planning to build a house! Whether it pays off or not...it's in any case a completely incalculable risk. And I'm not even talking about rogue tenants.

But to each their own. Just my personal opinion...
 

Legurit

2016-03-15 13:32:01
  • #5
I'm really looking forward to seeing some pictures of your castle ;)
 

Steffen80

2016-03-15 14:03:36
  • #6


OFFTOPIC: If it ever were to become a castle. Half of the money goes into land and ancillary costs. The house will be relatively normal without luxury..
 

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