Hello everyone,
I am currently in the planning phase of building a house. Right now, I am considering whether and how it would be possible to create a second living unit in the basement in order to secure two affordable KFW loans of €100,000 each. I would prefer to invest more money into the house rather than pay higher interest costs to the bank. Plus, you also receive a repayment grant for each loan.
The house has two full floors and is situated on a relatively flat plot with a height difference of 0.5m (1.6 feet). The basement is therefore entirely below ground level. The current layout of the basement is shown in UG_bisher.pdf. The window at the bottom left is planned to have a light well. Structural work would include an external basement stairway, an entrance, walls, and preparations for a bathroom and kitchenette. I understand that the second living unit is supposed to be very small. It is not intended for rental, but rather for the children in the future. Therefore, doors will not be installed everywhere yet.
What do you think about my plan and my design in UG_neu.pdf? Or is this unrealistic, and do you have other ideas?
Thank you very much.
I am currently in the planning phase of building a house. Right now, I am considering whether and how it would be possible to create a second living unit in the basement in order to secure two affordable KFW loans of €100,000 each. I would prefer to invest more money into the house rather than pay higher interest costs to the bank. Plus, you also receive a repayment grant for each loan.
The house has two full floors and is situated on a relatively flat plot with a height difference of 0.5m (1.6 feet). The basement is therefore entirely below ground level. The current layout of the basement is shown in UG_bisher.pdf. The window at the bottom left is planned to have a light well. Structural work would include an external basement stairway, an entrance, walls, and preparations for a bathroom and kitchenette. I understand that the second living unit is supposed to be very small. It is not intended for rental, but rather for the children in the future. Therefore, doors will not be installed everywhere yet.
What do you think about my plan and my design in UG_neu.pdf? Or is this unrealistic, and do you have other ideas?
Thank you very much.
T
toxicmolotof20 Apr 2016 14:24I am referring to Section 264 of the Criminal Code.
T
toxicmolotof20 Apr 2016 14:39To be clear: If a second dwelling unit is planned and actually used as such, it is allowed within the possible design options. Renting it out is indeed not required.
However, if I read that a bathroom is only to be prepared (meaning not usable as a bathroom), no doors (thus no separate apartment), and likely no second broadcasting fee is intended, then I would point out that you are gaining an unlawful financial advantage at the expense of the general public (subsidized loans burden the government and, therefore, the taxpayer).
The rest is covered under the criminal code.
However, if I read that a bathroom is only to be prepared (meaning not usable as a bathroom), no doors (thus no separate apartment), and likely no second broadcasting fee is intended, then I would point out that you are gaining an unlawful financial advantage at the expense of the general public (subsidized loans burden the government and, therefore, the taxpayer).
The rest is covered under the criminal code.
T
toxicmolotof20 Apr 2016 14:44Will there be a kitchen included as well?
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