Hello everyone,
I am currently single and a civil servant, earning about €2000 net. I also have savings of €20,000 and no debts.
I am determined to have a turnkey house built. I downloaded the program Sweet Home 3D and played around with it a bit (photos attached).
My idea was to present these images to an architect so they can roughly implement the design and have the house built turnkey. No basement and a hip roof for solar panels on the roof.
My questions are:
1. What do you think of the design? Any suggestions for improvement, or are some things not doable at all?
2. What would the total costs be, including everything, if I hired an architect, excluding the land, interior fittings, and painting work?
3. If I need more space later, I want to build above the garage. Is that a good idea?
4. How large should the plot be for this house? (I dislike gardening, so I don’t need much outdoor space)
5. How much loan could I get? If relevant, I don’t mind the location, which might save on land costs.
Thanks.
I am currently single and a civil servant, earning about €2000 net. I also have savings of €20,000 and no debts.
I am determined to have a turnkey house built. I downloaded the program Sweet Home 3D and played around with it a bit (photos attached).
My idea was to present these images to an architect so they can roughly implement the design and have the house built turnkey. No basement and a hip roof for solar panels on the roof.
My questions are:
1. What do you think of the design? Any suggestions for improvement, or are some things not doable at all?
2. What would the total costs be, including everything, if I hired an architect, excluding the land, interior fittings, and painting work?
3. If I need more space later, I want to build above the garage. Is that a good idea?
4. How large should the plot be for this house? (I dislike gardening, so I don’t need much outdoor space)
5. How much loan could I get? If relevant, I don’t mind the location, which might save on land costs.
Thanks.
Too much hallway space, narrow rooms, and what is happening in the kitchen with the three black dots? The staircase won’t fit like this, measurements are missing, and it’s unclear whether you can manage with a net budget of 2000 €.
Read a lot and redraw your plans at least 20 more times—or go straight to an architect (if you don’t have the time).
Read a lot and redraw your plans at least 20 more times—or go straight to an architect (if you don’t have the time).
D
derstefanm2 Mar 2015 21:50How many full storeys does your design have? If there aren’t two full storeys planned, the staircase won’t work properly. Also, I noticed that all the windows open outwards in the wrong direction, as do the room doors. This needs to be taken into account during the planning phase.
D
derstefanm2 Mar 2015 21:53Now the ground floor can also be seen, and I have to say I don’t find the layout successful. The proportions don’t fit. The kitchen is so narrow and long. Hire an architect who designs a floor plan according to your needs and possibilities. As a guideline, with a net budget of 2000, you can expect to cover about 220,000 to 230,000.
I'll start from the end 🙂
Probably less than enough to cover both a plot of land and a detached house and still have enough left each month for a comfortable life. Although you are a civil servant, you would be the sole guarantor for any loan. A bank or financial advisor can give you more precise information.
There are minimum plot size requirements depending on the location (rural or urban). If you dislike gardening, why choose a house? An apartment will generally offer more comfortable living for a single person who doesn’t want a garden and is usually more affordable.
At the moment, financially, I only see a prefab garage as an option.
An architect does not deliver a turnkey building. That is done by home construction companies. Please spend some time in the forum to learn more 😉
I don’t think I need to answer this question, since the answers to points 2–5 do not suggest a building project like you are envisioning.
Kind regards, Yvonne
Slade schrieb:
I am currently single and a civil servant, earning about 2000€ net. I also have savings of 20,000€ and no debts.
Slade schrieb:
5. How much credit could I get? If relevant, I don’t mind the location, so I could save a bit on the land costs.
Probably less than enough to cover both a plot of land and a detached house and still have enough left each month for a comfortable life. Although you are a civil servant, you would be the sole guarantor for any loan. A bank or financial advisor can give you more precise information.
Slade schrieb:
4. How big should the plot be for the house? (I hate gardening, so I don’t need much space)
There are minimum plot size requirements depending on the location (rural or urban). If you dislike gardening, why choose a house? An apartment will generally offer more comfortable living for a single person who doesn’t want a garden and is usually more affordable.
Slade schrieb:
3. If I needed more space later, I wanted to build above the garage; is that a good idea?
At the moment, financially, I only see a prefab garage as an option.
Slade schrieb:
2. What would be the total cost including everything if I hired an architect, excluding land, interior fittings, and painting work?
An architect does not deliver a turnkey building. That is done by home construction companies. Please spend some time in the forum to learn more 😉
Slade schrieb:
1. What do you think about the construction? Any suggestions for improvement or are some things simply not possible?
I don’t think I need to answer this question, since the answers to points 2–5 do not suggest a building project like you are envisioning.
Kind regards, Yvonne
This still looks very amateurish. The staircase doesn’t fit, the bedroom is far too small for a standard double bed with a wardrobe, and there is a long, impractical hallway leading to the living room. The kitchen can only be accessed through the living room and feels too narrow.
Why do you want to build? Is it just for yourself, or also for a future partner or spouse?
Personally, I don’t recommend building a house hoping that a partner will move in at some point. Often, what you like is not what a woman prefers, as the requirements of men and women frequently differ significantly. This often leads to the house being completely remodeled or even sold and rebuilt.
It’s also important to consider that with a property built right up to the boundary line, the garage is often not allowed to have living space above it—it may at most be used as storage accessible from the garage.
Additionally, I’m concerned about your financial situation. You have too little equity and too low an income, from which even more expenses will have to be paid than just the mortgage. On top of that, you might eventually need to support a family with your income—at least for a certain period—unless you plan to remain childfree.
Why do you want to build? Is it just for yourself, or also for a future partner or spouse?
Personally, I don’t recommend building a house hoping that a partner will move in at some point. Often, what you like is not what a woman prefers, as the requirements of men and women frequently differ significantly. This often leads to the house being completely remodeled or even sold and rebuilt.
It’s also important to consider that with a property built right up to the boundary line, the garage is often not allowed to have living space above it—it may at most be used as storage accessible from the garage.
Additionally, I’m concerned about your financial situation. You have too little equity and too low an income, from which even more expenses will have to be paid than just the mortgage. On top of that, you might eventually need to support a family with your income—at least for a certain period—unless you plan to remain childfree.
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