Sell house directly again - Prepayment penalty

How long have you been living there?

Almost everyone who has ever been to a psychologist: "Why are you here?" "No idea, actually I should be doing well..." The catch is that we believe if we earn money and spend it on things that everyone seems to consider desirable (house here as an example) we would automatically be happy. And if we are not, we feel guilty because there are so many who are worse off.

Then the dream property including additional costs and possibly renovation/refurbishment must be paid or financed. The following options are then available: - Property swap - Use of equity - Support from the family - Subordinated loan (if you are solvent for that) And then everything also depends on which investment is being discussed. If the new house is per se more expensive, you have to refinance anyway, use equity or find a fool who wants to take over a just sold house with a significant markup. Especially with still weak demand, you have to expect that your house is worth less than what you paid for it (purchase price + renovation). Because it is actually not loud there and you might be getting worked up about something? Could be a possibility. "Loud" is everywhere. Whether it’s the playing children or the neighbor who works in his workshop for several hours every weekend, the ever-present (country) road with traffic, etc. It also gets interesting in the evenings when instead of the highway noise, the "noise" from parties regularly reaches you. You only really have peace and quiet in a secluded location - and even there I find it quite loud especially in spring when the birds make noise. Or it’s the families of toads having parties at night. Thumbs up. I like that.

I don't think the house is worth less than what we paid.

we’ve been living here for a week.
Phew, and last night it was really loud. Opening the window was out of the question

The „really loud“ won’t be that a wind orchestra is playing under your room. Because that is „really loud“. I think it is quite „different than before“, and that is just normal. Have you ever measured the decibels with your phone? Maybe for us? Maybe just to get a rational number?!

With others, there are also before/after differences: suddenly there is a pitch-dark kitchen, a hallway that is way too narrow, a bedroom that is too bright, a technology noise felt too loud next to the bed, a pantry too warm or bathroom too cold, a children’s room way too small and tiles in the living room that are much too rough and hard, not to mention the view the neighbors have into the garden – and none of it works. Doesn’t work at all, if you understand what I mean. And then, for now, life just goes on, because children have to go to school and you yourself have to go to work. Life goes on, concentration shifts to the essentials, priorities shift and straighten out. The pitch-dark kitchen is not so dark during the day, only darker in the morning, curtains are bought for the bedroom (finally some fabric back on the walls), the noise of the technology is put into perspective next to the snoring husband, a radiator is considered for the bathroom, pantry is annoying and then not used for the fruit (canned goods and appliances don’t care), and about the neighbors: it has settled in really nicely with them. The children find each other and play together. The adults deal respectfully with the viewing window.