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!
C
chand198610 Sep 2018 23:47For me, this is clear.
A very good salary, expected increase in wealth soon, and quite high demands are coming together here. That’s completely fine.
Best approach: gather the equity first, meaning save money and wait for the "inheritance," and then push forward.
If enough patience is exercised in advance, I see no obstacles to the ambitious project. There is only one thing I won’t agree to:
For this reason, planning below your limit is the right approach in order to have room to grow upwards. If you have certain standards, you must first improve your limit accordingly.
A very good salary, expected increase in wealth soon, and quite high demands are coming together here. That’s completely fine.
Best approach: gather the equity first, meaning save money and wait for the "inheritance," and then push forward.
If enough patience is exercised in advance, I see no obstacles to the ambitious project. There is only one thing I won’t agree to:
Nikless schrieb:This is true for a career but completely wrong for housebuilding. Once the structure is erected, you can only add more; scaling down is no longer an option.
always set goals at the limit first, less is always possible
For this reason, planning below your limit is the right approach in order to have room to grow upwards. If you have certain standards, you must first improve your limit accordingly.
chand1986 schrieb:
For that reason, it is correct to plan below the limit here, so that there is room to increase later. If you have certain requirements, you must therefore first improve your limit.I fully agree: if there is still a buffer, it can certainly be invested in slightly higher-end finishes. The base budget calculation should be solid and workable. Because sometimes you need to be able to stay afloat financially for several months, as nothing is certain...
Nikless schrieb:
The idea of selling the house is actually an argument to somewhat consider the exterior.Or just imagine your career keeps advancing: will your colleagues say, "except for the home theater, he has a shabby house, what a weirdo"?https://www.instagram.com/11antgmxde/
https://www.linkedin.com/company/bauen-jetzt/
The targets mentioned as limits referred to the information-gathering phase, not the actual planning or implementation. Of course, having a buffer for unforeseen issues that can arise in any project is very important to me; this will be addressed with the specific quotes.
Best regards
Best regards
