Zinspoker - Long term or short term?

The question is, of course, what was requested...

Facade insulation hemp, ETICS. 17 windows (only ground floor and 1st floor, attic has new windows, as well as where there is no kitchen the windows are new), 2 terrace doors.

That would be a consistent expropriation through the back door. I don't know how it is with you, but with us, 80% of all properties are from the 50s and 60s. These are largely still in their original condition. They are inhabited by people who work or have worked in the industrial companies here. 5-10% are newly built properties from recent years inhabited by higher earners, and a maximum of another 5-10% are renovated old buildings. People live in unrenovated old houses for a good reason – because they cannot afford to modernize them.

Of course, many cannot afford it. Others poorly calculate the amortization and now regret not having done it five years ago. But it is clear that there are political goals that cannot be achieved without coercion. Unpleasant coercion can also be very well played through the EU as an intermediary. Whether politics then changes the goal or exerts coercion, you can choose for yourself.

That would be a consistent expropriation through the back door. I don’t know how it is where you are, but here 80% of all properties are from the 50s and 60s. These are largely still in their original condition. They are inhabited by people who work or have worked in the local industrial companies. 5-10% are newly built properties from recent years inhabited by higher earners, and at most another 5-10% are renovated old buildings. People live in old, unrenovated houses for a good reason – because they cannot afford to modernize them.

In another thread it was written that people live in their old unrenovated houses for the following reasons: - Emotional attachment to the house - The house offers more freedom and comfort than an apartment - The garden as an oasis of relaxation and self-realization - "You don’t transplant old trees" - Better to heat and live in only two rooms than be crammed into an apartment - Just because it looks unrenovated to outsiders doesn’t mean anything; it is the taste of the owner Jokes aside: with the current developments, I would never in my life buy such an old building. The rising CO2 price will slowly but surely keep increasing energy costs, even if the costs will certainly decrease again in the medium term. For me, this means that such properties will be increasingly difficult to resell in the long term, as the potential customer base becomes smaller and part of the annual energy costs will rather be used directly to finance a new building.

In another thread, it was written that people live in their old unsanitary houses for the following reasons: - Emotional attachment to the house - House offers more freedom and comfort than an apartment - the garden as an oasis of relaxation and self-realization - "old trees" are not transplanted - rather heat and live in only two rooms than be cramped in an apartment - just because it is unsanitary to outsiders, that means nothing, but the owner's taste Aside from that: with the current developments, I would never in my life buy such an old building. The rising CO2 price will slowly but surely continue to increase energy costs, even if the costs will certainly go back down in the medium term. For me, this means that such properties will also become increasingly difficult to resell in the long term, as the potential customer base becomes smaller and some will prefer to use part of the annual energy costs directly for financing a new build.

As I said, we have a six-figure annual net household income that will develop towards €150,000 net in the medium term. That doesn't play a big role for us when buying. €800 heating costs do not scare me. Outside the house building forum bubble, where it feels like every second person is self-sufficient, everyone will pay these amounts anyway this winter. And since we will only move in April 23, we might not even be affected by it, so why panic? And in all these calculations, what the construction of a large, energy self-sufficient, detached single-family house costs on 29.08.2022 is overlooked. I am 25-30% below that with low renovation effort. Apart from the fact that I can only move in after about 2 years and until then make my landlord richer. Oh yeah, and that it is an ecological total disaster that new houses are constantly being built everywhere is another matter altogether.

As I said, we have a six-figure annual net household income, which is expected to develop towards €150,000 net in the medium term.

Aha, but that does not match the figures in the initial post. How can that be? And stop with such embarrassing barroom clichés like "that I can only move in after about 2 years and until then make my landlord richer." Just buy the house now, your decision is already made anyway.

Aha, but that does not match the numbers in the opening post. How can that be?

And stop with such embarrassing pub clichés like "that I can only move in in about 2 years and until then I make my landlord richer".

Just buy the house now, your decision has already been made anyway.

But it is written there???

7,400 euros net, 13 monthly salaries.
96,200 €
+ special payments (as well as vacation and Christmas bonuses)
about 105 - 110k

From 2023/24
8,500-9,000 net, 13 monthly salaries
about 110,000 €
+ special payments
about 120,000 €

Salary progression every 2 years 10x400 € increases
about 150,000 €

And as I already wrote, we were awarded the contract for the house at 530,000