Single-family house with basement in NRW - is our financing solid?

  • Erstellt am 2020-08-23 03:18:32

Kuzorra

2020-08-25 14:22:34
  • #1
Hello,
this time I am not copying all posts as quotes together, but responding one after another to the points mentioned by and :

    [*]Soil assessment has been commissioned but not yet carried out; hopefully there are no heavy metals or factory residues lurking in the village – 300 years ago it was a field and then came my mother-in-law’s house. We just received the plans for gas, water, sewage, electricity and telephone yesterday. At one spot it might indeed be necessary to retain the slope with L-shaped stones. What is the estimated financial cost for that?
    [*]There is indeed asbestos on the old house, but only on one facade (let’s hope for no nasty surprises inside). We will dismantle the panels ourselves (with relatively low contamination), the demolition contractor will provide us with lockable BigBags and take care of disposal.
    [*]A decentralized controlled residential ventilation system is planned, also electric roller shutters, air-to-water heat pump, anthracite foiled window frames, and different bathroom fixtures are included. So far we have only estimated painter and flooring costs as a lump sum, possibly too low, but now we want to gather offers ourselves based on quantity frameworks for all surfaces and see if that might fit with the house provider or if we should rather commission someone separately.
    [*]The basement: We have an offer for the basement with two finished living rooms, including underfloor heating and individual thermostats, window/terrace door facing the valley side, adapted insulation and exterior plaster on the exposed side. Socket outlets/LAN are standard only on the interior walls; in the finished exterior walls they would be extra chargeable. The basement hallway in front of the stairwell is tiled, the rest to be done separately. Finished rooms are then plastered/sanded to Q2, the utility/technical and storage cellar I would have to check; I think those should be "smooth formwork" (but it’s pretty much whatever).
    [*]We also had another offer in mind for a time. The house was good overall (although expensive), but the basement alone cost over €120k – however, compared to the construction specification this one was not even better equipped: only radiators but no underfloor heating, no windows, no roller shutters....
    [*]"Disciplining" would certainly not be wrong. I am actually a rational and number-affine person, but so far have always been too lazy and careless to take finances seriously and intensively. Money just comes in and has always been enough so far – blinders on and done. But one should not start an adventurous house purchase with this approach, that is clear to me and that’s why I am here, currently reading clever books and promising to do better.
    [*]"Cost-reducing" was perhaps not 100% correct, no DIY work basically. So for example we have a plumber in the family, a good friend is a landscaping gardener, things like that – but I deliberately have not included these, where you might save a mark. But whether they have time, or if there are quarrels with the general contractor who then does not want to be responsible for the schedule..... Painter and flooring are so far as mentioned only lump sums (potentially too low) in the incidental costs.
 

Pinky0301

2020-08-25 16:17:41
  • #2
In new buildings rather unusual. Why decentralized?
 

Kuzorra

2020-08-25 18:07:41
  • #3
I was also surprised and asked about "central" controlled residential ventilation, since "central" sounded like state of the art to me. Ultimately, decentral is just the standard with the provider, and I didn't find the extra charge or other arguments regarding "central" particularly convincing – even though the topic seems to be quite a minefield (and also somewhat a matter of belief)....
 

K1300S

2020-08-25 18:32:52
  • #4
So that a central system costs significantly more than individual fans is normal. However, it also provides a completely different level of comfort.
 

Joedreck

2020-08-25 19:01:16
  • #5
If you have to watch the budget, I would say saving in the right place. Maybe the pipes can be pre-installed for a small amount?
 

moHouse

2020-08-25 20:15:44
  • #6
Hmm...I have encountered decentralized ventilation in the standard version with about 8/10 providers. We will also build decentralized. Centralized, for me, belongs to the nice-to-have things that quickly become really expensive once you start (because I can think of 100 other things that also all have very good arguments to be included).
 

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