Single-family house: Is the rate realistic? How much house can we afford?

  • Erstellt am 2022-07-07 14:49:30

Marvinius

2022-07-12 22:36:52
  • #1
Absolutely right ;) We built in the periphery of the Rhine-Main area in 2016/2017 and I found some helpful tips here in the forum. After everything went very satisfactorily – despite some expensive surprises – I wanted to look around again to see what is currently going on with this topic. Maybe we'll build again, but probably no longer in Germany (No power, nothing happens after all)
 

Gerichtsdiener

2022-07-12 22:44:04
  • #2


Nailed it. ;)



The route is not exactly ideal to drive, but I’m also very flexible regarding start times. So I will be able to adapt well to the traffic.

At the moment I only need 5 minutes by bike, which is of course a luxury. Still, I’m always the first in the office because I like to start very early and leave earlier accordingly. It will all work out. AND: Due to home office and meeting duty, we’re only talking about commuting 2-3 days anyway, the rest I can do at home or in the small town (10 minutes, never any traffic jams).

As soon as the electronic file is implemented sometime, theoretically I wouldn’t have to go to the office anymore…



Yes, I’m currently weighing back and forth what makes sense. I have 2 funds in the positive, but also 3 slightly in the negative. I’m still undecided about what ultimately makes the most sense…



So if everything develops normally and as foreseeable, we will exceed 7k€ net in 10 years and 8k€ in 14 years. That’s why I actually assume that maybe the first few years some restrictions are necessary (which we are aware of and accept), but then it will get clearly easier at some point…
 

BackSteinGotik

2022-07-12 22:54:35
  • #3
That is exactly the point I always make with all those "my job is secure" financings. Really secure? Still secure in 10 years?
 

Marvinius

2022-07-12 23:01:11
  • #4

We have indeed installed appliances like the coffee machine, steam oven, and microwave centrally in a kitchen cabinet wall. (So the kitchen was built around the appliances :)) It is all super practical to use and looks very tidy.

Otherwise, please consider that needs can change with the years. It can be unpleasant if you are then stuck in an expensive financing that leaves you little flexibility....
 

Gerichtsdiener

2022-07-12 23:05:11
  • #5


That our needs would develop from a La Marzocco portafilter machine to a built-in appliance with pseudo-espresso, I consider absolutely impossible. But now we are in the wrong forum and would have to move to kaffeenetz ;) You can just try to believe me that we don’t need a special kitchen.
 

Marvinius

2022-07-12 23:09:06
  • #6

Dear people, here’s another laugh from the basement: ;)
The secret is to plan in such a way that the severance hopefully associated with the "disposal" is at least enough to pay off the property loan.....
 

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