xdennesx
2018-05-13 14:51:41
- #1
Good day,
we are planning to settle in the Uckermark and to purchase a fantastic house built in 1920 and fully modernized in 2008 (roof, windows, water-guided fireplace, underfloor heating, fitted kitchen, new bathrooms, etc.).
About us:
Me, married, 32, net income: 2,200, permanent contract.
Wife, net income: 2,000, permanent contract.
Both still childless.
But hopefully this will change by next year.
No equity for financing available.
I already have an existing mortgage.
(Approx. 82K taken out in 2013, now 62K left. 3.5% 32k R+V, 2.55% 50k KFW, fixed interest rate 10 years)
It is serviced with 477 euros.
I bought the house for my mother (55 years old).
She takes over all costs there.
I have no expenses there.
Otherwise, there are no other liabilities.
Our current rent in Berlin is 1,450€.
Now about our new house.
Total financing requirement:
199,000 euros
Offer 1 R+V:
50k over KFW at 1.55%, 10 years fixed interest
Installment: 208€
149k over R+V / Schwäbisch Hall building society saver with 2.4%, after 13 years (or maybe fewer years due to special repayments), it will be 2.15% for the next 10 years. Then everything should be paid off.
The building society saver probably costs a one-time fee of 1,654€, which will be charged via the installment over the 10 years.
Installment: 740€
Total: 948€
Option 2 via Interhyp:
BHW: 106K with 1.50%
Installment: 382.50€
Hanseatic: 43,000 with 5.89%
Installment: 359.65€
KFW: 55k with 1.55%
Installment: 208€
All with 10 years fixed interest.
With Hanseatic we can repay the entire loan at any time through special repayments.
At BHW, special repayments of up to 5,100 € per year are possible.
Both options cost about 37K after the first 10 years.
Since we are completely inexperienced, we would appreciate an assessment of the options.
Thank you very much.
we are planning to settle in the Uckermark and to purchase a fantastic house built in 1920 and fully modernized in 2008 (roof, windows, water-guided fireplace, underfloor heating, fitted kitchen, new bathrooms, etc.).
About us:
Me, married, 32, net income: 2,200, permanent contract.
Wife, net income: 2,000, permanent contract.
Both still childless.
But hopefully this will change by next year.
No equity for financing available.
I already have an existing mortgage.
(Approx. 82K taken out in 2013, now 62K left. 3.5% 32k R+V, 2.55% 50k KFW, fixed interest rate 10 years)
It is serviced with 477 euros.
I bought the house for my mother (55 years old).
She takes over all costs there.
I have no expenses there.
Otherwise, there are no other liabilities.
Our current rent in Berlin is 1,450€.
Now about our new house.
Total financing requirement:
199,000 euros
Offer 1 R+V:
50k over KFW at 1.55%, 10 years fixed interest
Installment: 208€
149k over R+V / Schwäbisch Hall building society saver with 2.4%, after 13 years (or maybe fewer years due to special repayments), it will be 2.15% for the next 10 years. Then everything should be paid off.
The building society saver probably costs a one-time fee of 1,654€, which will be charged via the installment over the 10 years.
Installment: 740€
Total: 948€
Option 2 via Interhyp:
BHW: 106K with 1.50%
Installment: 382.50€
Hanseatic: 43,000 with 5.89%
Installment: 359.65€
KFW: 55k with 1.55%
Installment: 208€
All with 10 years fixed interest.
With Hanseatic we can repay the entire loan at any time through special repayments.
At BHW, special repayments of up to 5,100 € per year are possible.
Both options cost about 37K after the first 10 years.
Since we are completely inexperienced, we would appreciate an assessment of the options.
Thank you very much.