Would you make this financing?

  • Erstellt am 2016-05-21 12:41:46

HilfeHilfe

2016-05-25 07:28:59
  • #1


Hello,

sorry if I am repeating myself. €330k is currently possible, maybe even with 2 children and part-time work. I see the problem with the salary; you say that except for non-tariff raises, not much increase is expected. You can basically exclude that as a compensation for inflation.

The biggest, biggest, biggest problem I see is the costs. If you hit the €330k, OKAY, I unfortunately don't believe that, the costs are too low for that. If you end up at €370k-420k it gets tighter and tighter. That's why my advice is to be honest with yourself, wait for appointments, and decide if you want it.

Yes, I know everyone is doing real estate now and wants to jump on the bandwagon, but not everyone should make themselves unhappy. Then better a decent 120 sqm condominium.
 

Nescool

2016-05-25 07:40:19
  • #2
The problem is that new condominiums in this region are almost as expensive as building a house. Prices around €250,000 - €300,000 for something new are normal there. When you consider the increased quality of life in your own house compared to a condominium....

I have already had private conversations here in the forum with some people who actually managed to do it all-in for about €300,000. (Mainly of course with companies like Town & Country and without much frills, as we also plan)

It is therefore very difficult to assess, some say that it is absolutely impossible, not even close, and others say that it works, or even has worked, including all additional costs.

But you are absolutely right, without the tailored offer in black and white, we cannot move forward. So now it means being patient for us, even though it's hard.
 

Steffen80

2016-05-25 08:36:03
  • #3


That mainly also depends on your own character. If you are "only building once," you quickly say to yourself "oh well, the extra €1,000 for this or that, it’s still doable," and then it goes on like this. It quickly becomes incredibly expensive. Our house alone became €20,000 more expensive at the last architect appointment. Overall, we are currently almost €80,000 over what was originally planned. All just because you want this and that and find it so nice.

That doesn’t mean every house has to get that much more expensive, but you can regularly file Town & Country offers under "joke."
 

HilfeHilfe

2016-05-25 08:40:10
  • #4


I don’t know the subcontractors. What good is it to you if you were offered 330k and then around 50k sneak in through the back door that also need to be financed.

We had similar thoughts but also have a much higher net income + income increases than you. We went for a semi-detached house / condominium (in a two-family house) to have security and quality of life.

For you, quality of life means house, garden, freedom, peace, etc. For us, it’s vacation and consuming what we want.
 

Steffen80

2016-05-25 08:42:49
  • #5


I want EVERYTHING plus the lake right outside the front door.. Too bad the move-in is still so far away
 

Nescool

2016-05-25 08:51:44
  • #6


Why?
If Town & Country includes everything in this price, it is even guaranteed by a price guarantee.
 

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