Hello everyone,
My wife, my daughter, and I are looking to build our own home (single-family house). We might have a second child in the future. The house will be built in the postal code area 77XXX. Since I have a very time-consuming job and I’m not very skilled with DIY work, I want to have the whole project delivered as move-in ready as possible, without too much coordination effort. What is the best way to achieve this?
Our requirements:
- 5 rooms with two bathrooms that have showers (children’s bathroom)
- This summer showed me that I don’t want to build a house without cooling. I’m open regarding the cooling concept, but I have heard good things about heat pumps including a cooling function plus a photovoltaic system. What are sensible options? Underfloor heating / wall heating / ceiling cooling?
- A complicated/individual ground floor layout because I want to integrate a home cinema (my hobby) into the living room. Cooperation with the home cinema installer will also be necessary. If anyone has experience with how to manage this, I would appreciate any advice.
- Lighting and roller shutters should be smart. Here the question arises whether to go for retrofit solutions (Philips Hue) or a bus system like KNX combined with home automation such as RTI or Control4?
- No specific requirements regarding the exterior design. I would also consider a mono-pitched roof to install a full photovoltaic system facing south and keep the rest of the building simple, square, and practical.
- Avoid sloped ceilings upstairs, which also speaks in favor of a mono-pitched or hipped roof (urban villa style).
How should all this be financed?
He: net income 5,500 € (tendency rising)
She: net income 800 € (we don’t count on this, since a second child might be coming)
Equity: 30,000 € saved within one year. Within the next few years, there might also be an inheritance of 250,000 €. I would consider buying a suitable plot now even without much equity and use the remaining money/inheritance for additional loan repayments. What do you think about that?
Best regards!
My wife, my daughter, and I are looking to build our own home (single-family house). We might have a second child in the future. The house will be built in the postal code area 77XXX. Since I have a very time-consuming job and I’m not very skilled with DIY work, I want to have the whole project delivered as move-in ready as possible, without too much coordination effort. What is the best way to achieve this?
Our requirements:
- 5 rooms with two bathrooms that have showers (children’s bathroom)
- This summer showed me that I don’t want to build a house without cooling. I’m open regarding the cooling concept, but I have heard good things about heat pumps including a cooling function plus a photovoltaic system. What are sensible options? Underfloor heating / wall heating / ceiling cooling?
- A complicated/individual ground floor layout because I want to integrate a home cinema (my hobby) into the living room. Cooperation with the home cinema installer will also be necessary. If anyone has experience with how to manage this, I would appreciate any advice.
- Lighting and roller shutters should be smart. Here the question arises whether to go for retrofit solutions (Philips Hue) or a bus system like KNX combined with home automation such as RTI or Control4?
- No specific requirements regarding the exterior design. I would also consider a mono-pitched roof to install a full photovoltaic system facing south and keep the rest of the building simple, square, and practical.
- Avoid sloped ceilings upstairs, which also speaks in favor of a mono-pitched or hipped roof (urban villa style).
How should all this be financed?
He: net income 5,500 € (tendency rising)
She: net income 800 € (we don’t count on this, since a second child might be coming)
Equity: 30,000 € saved within one year. Within the next few years, there might also be an inheritance of 250,000 €. I would consider buying a suitable plot now even without much equity and use the remaining money/inheritance for additional loan repayments. What do you think about that?
Best regards!
Well, since I will probably build again, it will likely be sold or rented out within 10 years, depending on the market situation. The 10-year period was set to keep an eye on the installment. If I can get it below 2000 with 15 years, all the better. I just won’t increase the principal repayment. I’d rather make additional payments.
Best regards
Best regards
I assume this is a general contractor (GC) offering a plot of land where you can or have to build your house through them. In this case, they refer to additional costs as the construction-related ancillary costs that you, as the client, have to pay. However, it is likely a tied contract arrangement, and if you’re not careful to keep these contracts separate (for example, by signing them in different years), you may end up paying property transfer tax on the entire package.
Why do I think that? Because no homebuyer would voluntarily point out this tax that could affect several of their contracts.
You probably found the offer through Immonet or a similar platform, right? Please share the ID and the portal so it can be checked.
Why do I think that? Because no homebuyer would voluntarily point out this tax that could affect several of their contracts.
You probably found the offer through Immonet or a similar platform, right? Please share the ID and the portal so it can be checked.
ypg schrieb:
I assume it is a general contractor (GC) offering a plot of land where you can or must have your house built by them. In that case, they mean additional construction-related costs by "ancillary costs," which you as the builder have to pay. Still, it is probably a tied deal, and if you’re not careful to treat these contracts separately (for example, by signing them in different years), you might end up paying property transfer tax on the whole package.
Why do I think this? Because no homebuyer would voluntarily point out this tax, which could cost them several contracts.
You probably found the provider through Immonet or something similar? Share the ID and the portal so we can take a look. That’s right, that is the worst possible scenario. I was also surprised by this listing of ancillary costs. If that is the case, the GC will likely downplay our suspicion. And in the end, promise that it’s not like that.
In any case, caution is definitely advised.
ypg schrieb:
You probably found the provider through Immonet or a similar portal? Please share the ID and the platform, so we can take a look.Similar topics