Hausbauer80
2016-03-03 17:31:54
- #1
Hello everyone,
I have been reading here for some time now and have now decided to turn to you, as the topic of homeownership is now approaching us.
At the moment, my wife and I live in 70 sqm rented for 650.00 EUR warm, but this should change soon in 2016 or 2017, as we want to expand. If we were to choose a rental property (urban area Göttingen 37073), we would be paying 8.50 EUR - 10 EUR per sqm. For 110-130 sqm, which we desire, we would be paying about 1,200 EUR cold on average. That’s when the idea of purchasing a property (not building) came to us.
About us:
Man 35 years old:
Employed, 2,500 EUR net, with 14.5 monthly salaries, employed since 2012 with the employer without probation or limitation
Woman 34 years old:
Civil servant, 2,900 EUR (-300 PKV), with 12 monthly salaries, civil servant since 2007
makes a household income of 5,100 EUR without any special payments. Family planning foresees one child in the next 2-3 years, the woman would stay home for 6-12 months.
External financing:
Each a new car, one from 2013 (274 EUR monthly installment, 0.00% financing) and the woman (309 EUR monthly installment with 0.99% financing), no other liabilities.
Equity:
We would reach 30,000 - 40,000 EUR with building savings contracts, support from parents / grandparents.
About the property:
As mentioned, we are looking for an existing property, which is currently not quite easy in our region or only way above market value. Our maximum is 300,000 EUR for a terraced house/semi-detached house/small single-family house
Regarding the question whether it is at all possible or sensible to finance in this size range under these conditions and if so, what the best constellation would be.
Thank you in advance to you for the honest advice :)
I have been reading here for some time now and have now decided to turn to you, as the topic of homeownership is now approaching us.
At the moment, my wife and I live in 70 sqm rented for 650.00 EUR warm, but this should change soon in 2016 or 2017, as we want to expand. If we were to choose a rental property (urban area Göttingen 37073), we would be paying 8.50 EUR - 10 EUR per sqm. For 110-130 sqm, which we desire, we would be paying about 1,200 EUR cold on average. That’s when the idea of purchasing a property (not building) came to us.
About us:
Man 35 years old:
Employed, 2,500 EUR net, with 14.5 monthly salaries, employed since 2012 with the employer without probation or limitation
Woman 34 years old:
Civil servant, 2,900 EUR (-300 PKV), with 12 monthly salaries, civil servant since 2007
makes a household income of 5,100 EUR without any special payments. Family planning foresees one child in the next 2-3 years, the woman would stay home for 6-12 months.
External financing:
Each a new car, one from 2013 (274 EUR monthly installment, 0.00% financing) and the woman (309 EUR monthly installment with 0.99% financing), no other liabilities.
Equity:
We would reach 30,000 - 40,000 EUR with building savings contracts, support from parents / grandparents.
About the property:
As mentioned, we are looking for an existing property, which is currently not quite easy in our region or only way above market value. Our maximum is 300,000 EUR for a terraced house/semi-detached house/small single-family house
Regarding the question whether it is at all possible or sensible to finance in this size range under these conditions and if so, what the best constellation would be.
Thank you in advance to you for the honest advice :)