Would you make this financing?

Hello,

once again Stadt + Land ....

According to the first offers, approximately €330,000 total costs (including land and all additional costs) will be due for our desired house.

Never ever!

Take a look here:

Assuming there really is land available for TEUR 80 in your region, you have to budget at least TEUR 40 for additional construction costs; these expenses do not yet include painter and floor covering work, as well as exterior facilities. This means TEUR 210 remain for the pure house. Now, small houses always have the annoying characteristic that they are - in proportion - more expensive than larger single-family houses. Let's further assume that 130 sqm of owner-occupied living space is enough for you; in BW, about TEUR 215 would be on the clock.

Based on this example calculation, you are already TEUR 5 in the red, have no floor coverings + co, no buffer, and - in my view - no secured future! The clearly more secure future option, I see in saving more equity or, alternatively, purchasing a condominium in the first step.

But - you are the master of your fate; if you want to place your trust in the awning seller: go ahead. However, you should not complain later when the users’ forecasts here come true.

Rhenish greetings

I can only speak for myself: we started with wanting to spend a maximum of 200,000. Quickly we also realized that would never work. Then 250,000 became our goal, which was barely affirmed by the cheapest provider in the region. Then as we looked further at other providers, we realized that actually none of them came close to the price of the cheapest provider. And then we decided on the reputable company anyway, where the house just costs 50,000 more. In the end, we calculated with 330,000, but we are already 30,000 over that, which we are paying ourselves with over 1500 savings rate per month. Not really feasible with children and one income.

There is a good reason why almost no one has a basement and/or a real brick garage, and why the building design is mostly kept rather simple.

Nobody needs safety glass, but more mushroom cams for sure. People don't break the window pane, they break open the lock. And even without rc2, you don't just throw in a triple pane glass like that.

Quote from the police: "Whether it is double or triple glazing does not particularly interest burglars. Triple glazing is hardly safer than double glazing. If the burglar is not deterred by the noise, he will make a small hole, reach through, and open the handle. The best protection then is a lockable window handle. That can be easily retrofitted. However, you should buy a burglar-resistant handle, not a child safety lock."

Therefore rc2. More mushroom cams, reinforced frames and safety glass.

And most perpetrators come to single-family houses from the terrace side. Front door is only 12%.

most break the window by prying it open, they only break it where no one can hear anything. In a new housing development, that's out of the question. After moving in, every second woman here gets pregnant, accordingly many people are also at home during the day. and you’re right, basically everyone breaks in through the patio door, since the front door is secured way too well and is also always within sight of everyone. if someone wants to get in, they will get in. still, they don’t just break the glass easily. raw force is necessary for that. if someone wants it, well then. from an insurance perspective, it doesn’t matter, whoever wants to get in will get in anyway. ps: in case of attempted burglary without success, not every home insurance pays.

Most pry the window open, only break in places where no one can hear anything. In a newly developed area, that’s impossible. well

Kfw55 houses with controlled residential ventilation and heat recovery as neighbors, and suddenly all the neighboring houses are closed up; and can hear significantly less.

Cordless screwdrivers with glass drill bits have become popular among burglars. Small hole, and then pull up the handle with a pull wire.

apropos 3 panes of glass. In the standard of Town & Country, I believe there are only 2 panes. Only when it reaches KFW 55 or better, then 3

And regarding the household insurance. It does not cover the psychological damage in case of a successful break-in ops: