Some questions about football in Hamburg

Good evening, I have several questions about WK-Hamburg :): It would be great if you could answer one or two questions ;)


1. The total living area of an owner-occupied house should not exceed 166.65 sqm for a household of 6 people, minus 10% = 149.985 sqm, is that correct? Isn't this calculated a bit too tight for a household of 6 people? Are there possibly exceptions where funding would still be possible? Most houses of this size usually allow only one living room, one master bedroom, and two bedrooms, which would cause a shortage of space for 6 people. Only from about 180 sqm of living space is the space requirement satisfactorily met.


2.1 Is a fully basement cellar counted as living space? The cellar is to be heated because a large hobby room, a storage room, and a utility room are to be set up.


2.2 How about a covered terrace? Is it also counted as living space? Are there maybe relaxed regulations in this regard, after all, it would get even tighter with living space if part of the terrace were additionally included.


3. The total costs should not exceed approx. €380,000 for the house construction; does this also include the price of the plot? If so, how is it handled if the plot was purchased separately before the house construction and possibly already paid off? Additionally, land costs in Hamburg are very high, which means that a 6-person house on average, including all additional construction costs without land, must not cost more than €230,000-250,000, which is almost impossible.


4. What about if children have a minor employment and study at the same time, is this income still included in the household income?


5. How exactly is the interest rate of 0.6% raised to market interest level considering income? How would the interest rate change if the income had not changed within the four years?


6. Are all requirements and rules generally handled very strictly or are there small exceptions or special regulations in one or another matter? The problem is that a six-person household in Germany is rather unusual, especially complicated when older children over 18 start studying and therefore need more space and quiet and, besides one living room and one master bedroom, still need 4 children's rooms, which simply does not work according to the limited guideline. Even 3 children's rooms are very difficult.


Regards

Spiderschwein

Hello,

hmm, from my point of view it would be easiest to ask the WK-Hamburg directly, wouldn’t it!? :confused:
They are also the experts.

Best regards

Hello,

1. The total living area of a self-used house for a household of 6 persons should not exceed 166.65 sqm, minus 10% = 149.985 sqm, is that correct? Isn’t this calculated somewhat tight for a 6-person household? Are there possibly exceptions where funding might still be possible? Most houses of this size usually allow only one living room, one master bedroom, and two bedrooms, which would cause a lack of space for 6 persons. Only from around 180 sqm living area is the space requirement satisfactorily met.

Apart from the fact that there are very nice and clever plans for this case ... have you ever considered that these subsidies are paid from the public’s pocket and are not intended to finance personal preferences?

2.1 Is a fully basement cellar counted as living area? The cellar should be heated because a large hobby room, a storage room, and a utility room are to be set up.

If it is registered as living space with the building authority, it of course counts as living area! Even if it is _only_ supposed to be a normal cellar, the responsible approval authorities have their problems with it.

2.2 How about a covered terrace? Is it also counted as living area? Are there perhaps loose regulations in this regard, as it would become even tighter with the living area if part of the terrace was additionally counted.

One third - similar to rented apartments, if the terrace is designed like a loggia, otherwise no.

3. The total costs should not exceed about 380,000€ for the house construction, does this also mean the land price? If yes, how is it handled if the land was purchased separately before the house construction and possibly already paid off?
Furthermore, the land prices in Hamburg are very high, which leads to the fact that on average a 6-person house including all ancillary building costs without land must not cost more than 230-250,000€, which is almost impossible.

Yes, total costs are always meant – including land, house, and ancillary costs. The federal states handle it very differently if the land is already available as equity; you have to ask the respective offices in Hamburg.

4. How is it when children have minor employment and study at the same time, is this income still included in the household income?

If it is within the allowed limits, in my opinion not; above that, yes.

6. Are all requirements and rules generally enforced very strictly or are there small exceptions or special regulations in some matters? The problem is that a six-person household in Germany is rather unusual, it is especially complicated with older children over 18 who start studying and consequently need a bit more space and quiet, and besides one living room and one master bedroom still need 4 children’s rooms, which simply does not work according to the restricted guidelines. Even 3 children’s rooms become very difficult.

Once again: No one is more equal than others. Sometimes I wonder how my parents solved this in the past .....

You cannot want to build at the expense of the public and then even expect them to tolerate your unwillingness to cooperate :confused:

Best regards