ᐅ Planning a new build in the Marburg area: Best approach and steps to take

rulor1992 schrieb:

Good morning everyone,

I’m looking for some ideas and advice from you.

I would like to build a house, preferably in Marburg (although that might not be feasible). At least somewhere nearby, like Ebsdorfergrund for example.
My girlfriend is a bit hesitant and doesn’t want to think about it right now. However, we currently still live in my parents’ house (400€ including utilities) which is very affordable.

That, however, is not a long-term solution. We both work in Marburg, and for me personally, renting is not really an option since we are planning to start a family.

Regarding our financial situation… My girlfriend earns 2,000€ net with an 80% position, plus 2,000€ in bonuses.
My financial situation is a bit more uncertain because I have difficulty planning. I earn 2,500€ net plus 3,000€ in bonuses.
Additionally, I have a secondary business that, at least this year, exceeds my main job income. However, this may not continue or be guaranteed.

So, our steady income is 4,500€ net plus 5,000€ in bonuses. On top of that, there is 20,000 to 50,000€ net from the secondary business.
We have about 100,000€ in equity, but that would be more important as cash flow for the secondary business.

I have not yet talked to a bank. I wanted to first gather some input to get a clearer idea before diving deeper into the subject.

My vision is a house suitable for a family of four. We will also need some space for the business. Some of those expenses should be tax-deductible. I will need to clarify exactly what is possible with my tax advisor.

This means planning for a basement of 30-40 sqm (about 320-430 sq ft) to be used as storage.
The entire house should be equipped with KNX automation—lighting, blinds, heating, possibly ventilation, etc.

Based on the financial situation, what could realistically be achieved? How much living space does a family of four typically need? It shouldn’t be larger than necessary.
Ultimately, my girlfriend has the final say. She is actually more eager to move than I am, but currently does not want to engage with the topic. But it will come sooner or later.

What costs can I expect if we want to build not the cheapest but a high-quality home? What would be a suitable plot size?

Thank you very much for your ideas.

rulor1992 schrieb:

And that’s what I will avoid when building a house. Only if she is fully committed will we build together. Renting is not an option for me because there are simply too many reasons against it.

HilfeHilfe schrieb:

If you bring up the topic every few weeks and obviously think about it, but your partner doesn’t, then something is wrong in the relationship.

rulor1992 schrieb:

Very sensible comment.
I neither brought up the topic again a few weeks ago, nor does anyone have the right to doubt relationships when they have no clue at all...