Sell house directly again - Prepayment penalty

The internet calculates the prepayment penalty at 14,000 euros… a lot of tuition fees

That is of course nonsense, the part about "a lot of tuition fees". It's great if you create the possibility to decide anew and freely again with this manageable amount. A golden cage is already crap.

That is of course nonsense, the "a lot of tuition fees" thing. It's great if you create the possibility with this manageable amount to decide again freely and anew. A golden cage is really crap.

Thank you, that is a nice perspective. We have actually already spent more money on vacations.

Does anyone have an answer as to whether I have to pay the incidental costs again in a property swap? Or - if I sell profitably - do I have to bridge finance that?

There is a nice saying: "away with damage." It is simply much more liberating when you are not so attached to money (or perfectionism). I wanted everything just now: the right decision and not to lose any money. The money is not important as long as the most important areas of life (housing, food, clothing, work, and hobby) can still be maintained. Only very few people find these areas in distress when they have to write off money.

For me personally, the freedom in my mind to decide anew each time was and is worth a lot. Sometimes that means "away with damage." I don't really care because all the necessary things can simply continue. The time wasted doubting and being unhappy and chasing the "perfect solution" would hurt me much more than losing amount X.

You don't even have to sell. I wish for your thoughts to become so free that you can think comprehensively and freely at all, without immediately having the pressure of perfection in mind. It generally applies in life that the jack of all trades does not exist or only very rarely, under fortunate circumstances.

Does anyone have an answer as to whether I have to pay the additional costs again in the case of an object exchange?

The additional costs when purchasing (notary, real estate transfer tax, etc.) definitely. You will be billed for them.

Or - if I sell at a profit - do I finance it in the meantime?

I don't really understand that.

.. the question of the possibilities for financing the acquisition costs of the next property (paying separately, depending on the proceeds from the previous property to pay off the loan, etc.) is currently not the primary question at all.

What is important now is first to examine the current property closely to see if it is really that unfortunate. In the meantime, definitely check the surroundings (that is, suitable for your workplace) to see what possibilities there are at all. Maybe everything that has infrastructure etc. fitting for you also seems too noisy, etc.

And then you can make a plan on how to get rid of the old property, create/acquire the new property, and what needs to happen in a possible transitional phase (maybe something has to be built). Because if you are not successful in finding something, maybe another plan is needed, like moving away properly, etc.

Have understanding for the despair, but also believe that it often takes time for things to settle and fall into place....

But one thing about the thread I don't understand: why are you so worried about the costs, first the VVE, now the (still unknown) incidental purchase costs of something new, then the desire to sell at a profit.... ...when on the other hand 14k seems to be "peanuts" for you? Instead of being glad that you can solve your problem with manageable costs? GD