Would you make this financing?

We have only one thing with 5500 net... No matter, as said, the income situation cannot be changed. I can only emphasize it, goes deep within you.

Then people who talk about the ancillary construction costs should also write what they have built. Here in the thread it was talked about 40k ancillary construction costs, funny that for us it was only around 20k??????

Here again the thread with the ancillary construction costs


Stadt und Land does not offer more than other general contractors, in terms of equipment rather less than others, smaller extras like a walk-in shower are not included.

We only have one with 5500 net ... Doesn't matter, as I said, income situation cannot be changed. I can only emphasize, it goes deep within you.

We also have only one Ok.. that costs almost 100k... but it's only one

Good morning,

Then people who comment on the ancillary building costs should also mention what they have built. Here in the thread there was talk of 40k ancillary building costs, strange that with us it was only around 20k??????

You should take a look at the ancillary building costs link shared again by Yvonne. When reading the posts there, you will realize that it varies depending on the federal state, being higher or lower. It also always depends on what the individual wants to understand by ancillary building costs.

"5. Earthworks: The topsoil is removed to a depth of up to 30 cm. The excavated soil remains on the property.

Normal.

The deficit height is replaced by frost-proof material ... [...] ... led by the shortest path up to 50 cm in front of the outer edge of the house .."
The costs were calculated according to the evaluation of the soil report.

So you bore the foundation costs regardless of the soil conditions?

Good that you have already seen my house Then let's go, let me be surprised.

I do not need to see your house; I know the basis on which it was built. I will certainly not discredit any provider; therefore, I asked in the subjunctive in the related post. Furthermore, I have always pointed out that providers like yours, from my point of view, have their right to exist in the market. It was only important to me to adjust your post #85 somewhat to reality, because what you describe is also experienced by most other builders who do not build with your provider and often also when they realize their building project via an architect.

Rhenish regards

You write that you have just under 3000 € left with part-time work, ma'am.
For credit and additional costs (according to house cost calculation Town & Country without special requests), you have to reckon with around 1500 € (according to several posters, which is understandable).
That leaves you 1500 € per month for living expenses.
You have to calculate yourself: insurance including retirement, living costs, drugstore + clothing, pocket money, later daycare, etc... defective electrical devices sometimes need to be replaced, an outing, the sports club...

The problem is that with building a house, things can go well (within the calculated costs), but often (so not rare) thousands of additional costs can arise. A delay in moving in by several months leads to double burden due to preparatory interest (monthly in the three-digit range).
Early termination means moving into a holiday apartment with an average of a thousand per month.
Higher wear and tear on the car during gardening and paving work - if you cannot pay 100 € for stone delivery, you have to drive back and forth yourself. One thing leads to another. If the buffer is then used up by a kitchen, curtains, blinds, lamps, and lawnmower, nothing comes in from the low income afterward. You have to calculate that! There is nothing left to buy a few plants each month.
The worst (and also not the rarest) scenario is that the partnership suffers due to money worries. Together with a screaming toddler - it is not uncommon for the individual spouses to wish time could be turned back. The house is ultimately cursed, and accusations are made at the partner.

A used or starter property is easier to calculate. You pay what is calculated, new paint for the walls can be included in the budget, and the terrace can be done in three years. In addition, this existing property often boasts some special features that you are still dreaming of in your new build.

That's exactly why we bought a used property.