Hello,
My partner and I are planning to build a duplex together with a couple of friends.
The two living units are not stacked on top of each other but are arranged side by side in two equally sized sections, each with its own entrance door. From the outside, it looks like a semi-detached house with mirrored halves. Each half spans two full floors plus a converted attic. Inside the house, there is a shared utility room, which is proportionally deducted from each living area and accessible from both sides through a door.
There is a single heat pump serving both halves.
I’m interested to know if anyone has experience with a similar project. We have several questions regarding the partition plan, deed of division, and condominium declaration.
In order for each household to secure its own financing, these matters need to be clarified beforehand. From what I understand, the architect must submit the partition plan at the same time as the building permit / planning permission application, but I might be mistaken?
We are also concerned about separating the heating and water systems so that each party can be billed accurately for their individual consumption.
I would appreciate any experiences or advice on these topics.
My partner and I are planning to build a duplex together with a couple of friends.
The two living units are not stacked on top of each other but are arranged side by side in two equally sized sections, each with its own entrance door. From the outside, it looks like a semi-detached house with mirrored halves. Each half spans two full floors plus a converted attic. Inside the house, there is a shared utility room, which is proportionally deducted from each living area and accessible from both sides through a door.
There is a single heat pump serving both halves.
I’m interested to know if anyone has experience with a similar project. We have several questions regarding the partition plan, deed of division, and condominium declaration.
In order for each household to secure its own financing, these matters need to be clarified beforehand. From what I understand, the architect must submit the partition plan at the same time as the building permit / planning permission application, but I might be mistaken?
We are also concerned about separating the heating and water systems so that each party can be billed accurately for their individual consumption.
I would appreciate any experiences or advice on these topics.
H
hanghaus20233 Feb 2025 08:50Waldrich schrieb:
I’m curious whether it is technically possible to measure everything through appropriate meters so that everyone can get an accurate bill for electricity, hot water consumption, and heating.
The heat pump is an air-to-water heat pump.That’s always possible, just like in any multi-family building.N
nordanney3 Feb 2025 09:20Waldrich schrieb:
I’m curious if anyone has ever completed a similar project. We have several questions regarding the floor plan layout, certificate of completion, and declaration of division.Hundreds. It’s called a multi-family house. It’s absolutely straightforward. However, regarding marketability, I strongly recommend separating the units (heating, etc.). Banks don’t like this kind of setup in a two-family house either.ypg schrieb:
Then it would be a two-family house with individual ownership and joint ownership. Basically simple.Exactly. As far as I understand, the subdivision plan must be submitted together with the building permit (planning permission) application so that we receive the certificate of separability along with the building permit (planning permission). After that, we can have the declaration of division notarized, so that a separate land registry entry is created for each residential unit.
Am I on the right track here, or have I missed something?
I assume that from the bank's perspective, it is more about the risk involved in a potential foreclosure by the bank.
In this case, a fully detached semi-detached house is clearly more attractive for resale than a semi-detached house with shared ownership.
The bank will likely factor this into the loan-to-value assessment.
In this case, a fully detached semi-detached house is clearly more attractive for resale than a semi-detached house with shared ownership.
The bank will likely factor this into the loan-to-value assessment.
Similar topics