Hello everyone, we are Ina and Philipp. We both want to take the next step and build our own home.
We are intentionally moving away from the big city back to the countryside (Ina comes from a rural area). Perhaps some of you remember we have posted here before and shared some bad experiences with looking for land. Thanks to your advice, we quickly figured out what to watch out for. We want to actively share our journey toward homeownership here and are grateful for any tips and tricks.
What is the current status?
We are currently in contact with an owner (over 70 years old) of a plot of land who is willing to sell us 1,400 square meters (15,070 square feet) for 50,000 euros. All utility connections except for gas are already available at the site. The land is currently farmed as agricultural land. The plot is located next to a low-traffic federal road.
Yesterday, we spoke with potential neighbors. They also bought from this gentleman in 2011 and are still very satisfied with the quality of living and housing in the area. The neighbors were in the same situation back then—the land was also used as farmland.
Next Tuesday, we have an appointment with the bank. We will discuss whether to finance the land or possibly pay in cash. The advisor told us on the phone yesterday that we should generally consider paying for the land in cash rather than financing it.
If everything goes well, we will call the owner on Tuesday and hopefully tell him that we want to buy the land. He said yesterday he would then send us all the documents.
We have a specific idea we want to realize: a bungalow (the neighbor’s house is already a bungalow) modeled after a Swedish-style home.
Currently open questions:
Do you already have any advice on what we should pay attention to?
I (Philipp) have some doubts and would prefer to finance the land because the €50,000 should serve as equity/reserve for building the house.
There is a sewage access point right at the edge of the property. The owner said—if I understood correctly—that he would also talk to the water utility company to see if we would not have to buy that part of the land.
Thank you very much for reading this far. We wish you a nice weekend and will continue to report here openly and regularly. We appreciate any feedback or suggestions on things we can clarify early on.
We are intentionally moving away from the big city back to the countryside (Ina comes from a rural area). Perhaps some of you remember we have posted here before and shared some bad experiences with looking for land. Thanks to your advice, we quickly figured out what to watch out for. We want to actively share our journey toward homeownership here and are grateful for any tips and tricks.
What is the current status?
We are currently in contact with an owner (over 70 years old) of a plot of land who is willing to sell us 1,400 square meters (15,070 square feet) for 50,000 euros. All utility connections except for gas are already available at the site. The land is currently farmed as agricultural land. The plot is located next to a low-traffic federal road.
Yesterday, we spoke with potential neighbors. They also bought from this gentleman in 2011 and are still very satisfied with the quality of living and housing in the area. The neighbors were in the same situation back then—the land was also used as farmland.
Next Tuesday, we have an appointment with the bank. We will discuss whether to finance the land or possibly pay in cash. The advisor told us on the phone yesterday that we should generally consider paying for the land in cash rather than financing it.
If everything goes well, we will call the owner on Tuesday and hopefully tell him that we want to buy the land. He said yesterday he would then send us all the documents.
We have a specific idea we want to realize: a bungalow (the neighbor’s house is already a bungalow) modeled after a Swedish-style home.
Currently open questions:
Do you already have any advice on what we should pay attention to?
I (Philipp) have some doubts and would prefer to finance the land because the €50,000 should serve as equity/reserve for building the house.
There is a sewage access point right at the edge of the property. The owner said—if I understood correctly—that he would also talk to the water utility company to see if we would not have to buy that part of the land.
Thank you very much for reading this far. We wish you a nice weekend and will continue to report here openly and regularly. We appreciate any feedback or suggestions on things we can clarify early on.
P
philipp199030 Aug 2019 11:29Scout schrieb:
I think this is incorrect information. The relevant source should be
Zweckverband Abwassergruppe Dübener Heide, Bad Düben Landkreis Nordsachsen
"Wastewater and Fee Regulations" dated April 19, 2012, page 11
§ 25 Fee basis for stormwater disposal (1) The wastewater fee for the partial service of stormwater disposal is calculated based on the amount of stormwater that falls on the property connected to the public wastewater system and is discharged into the public wastewater system. Properties that are dedicated to public traffic according to § 2 SächsStrG are exempt from the wastewater fee for the partial service of stormwater disposal.
The basis for the wastewater fee for the partial service of stormwater disposal is the sealed surface area of the property and the type of sealing. The sealed surface areas of a property (§ 26 paragraph 1) are multiplied by a factor determined according to the permeability and evaporation rates for the respective sealing types (§ 26 paragraph 2). ...
§ 26
...If it can be proven on a case-by-case basis that not all of the stormwater from the area underlying the fee calculation (paragraphs 1 and 2) is discharged into the public wastewater system in a permitted manner, the wastewater fee may be reasonably reduced upon written request by the property owner, leaseholder, or other person entitled to use the property. In this process, the sealed surface areas that are entirely or partially, permanently or temporarily, not drained into the public wastewater system must be taken into account. § 24 paragraph 4 applies accordingly.
The property is presumably within their jurisdiction, right?Oh yes, it is located there—I had discussions with them….
How do I calculate this fee then?
philipp1990 schrieb:
I was just told that there is no cost for wastewater discharge because the wastewater meter runs together with the water meter. So discharging won’t cost anything since we are not drawing any "fresh water."Why aren’t you drawing any fresh water? Wastewater is of course billed based on the meter reading of the regular drinking water supply... meaning if you use 100m³ (132 cubic yards) of water, you will be charged for 100m³ (132 cubic yards) of wastewater. Exceptions only apply if a separate garden meter is installed...
Discharged rainwater is calculated here based on the roof area... then some kind of annual average rainfall is determined and multiplied by the roof area... but I can’t say exactly, since we don’t discharge rainwater either, we let it infiltrate.
philipp1990 schrieb:
Oh yes, that's the one I talked to....
How do I calculate this fee then?In our case, it’s based on the sealed surface area multiplied by a fee (which I don’t know at the moment). Asking is helpful. The annoying thing is that you’re basically paying for the weather, something you probably can’t control.P
philipp199030 Aug 2019 11:40kaho674 schrieb:
In our case, the fee is based on the sealed surface area multiplied by a rate (which I don’t know at the moment). Asking is helpful. The annoying part is mainly that you’re essentially paying for the weather, which you probably can’t influence. Okay, I understand. Would installing a rainwater cistern be a possible countermeasure?
R
readytorumble30 Aug 2019 11:46Water does not infiltrate in a cistern; you can only "store" it there and use it yourself.
You would need an infiltration system or a cistern combined with an infiltration system at the overflow. Sometimes, surface infiltration is also permitted.
In our area, this requires water rights approval from the local water authority. This approval is granted only if you provide accurate calculations of the expected rainfall and the capacity of the infiltration system (or similar).
You should consult experts on this topic, as otherwise you might receive a lot of incorrect information. A local geologist should be able to assist you.
You would need an infiltration system or a cistern combined with an infiltration system at the overflow. Sometimes, surface infiltration is also permitted.
In our area, this requires water rights approval from the local water authority. This approval is granted only if you provide accurate calculations of the expected rainfall and the capacity of the infiltration system (or similar).
You should consult experts on this topic, as otherwise you might receive a lot of incorrect information. A local geologist should be able to assist you.
P
philipp199030 Aug 2019 12:19readytorumble schrieb:
Water does not infiltrate in a cistern; it only stores water for your own use.
You would need an infiltration system or a cistern with infiltration at the overflow. Sometimes surface infiltration is also permitted.
In our area, you need a water management permit from the local water authority. This permit is only granted if you accurately calculate the expected amount of rainwater and the capacity of the infiltration system (or similar).
You should consult experts on this topic, as otherwise you might receive incorrect information. A local geologist should be able to assist you. Thanks for the info... This is really a hassle... A lot of patience is required, I am currently working through the list of additional costs and gathering information.
What is still open, is there an overview of where to get all the information?
| Building permit....................................634 € |
| Plumber water meter / construction water......257 € |
| Commitment interest KfW124........................8 € |
| Association of private builders......................90 € |
| House surveying.....................................584 € |
| Commitment interest KfW124.......................124 € |
| Approx. 100 m3 (130 yd3) topsoil removal........1800 € |
| Building inspection expert...........................370 € |
| Construction water, advance payment................390 € |
| Rental of drying system, 2 weeks.....................230 € |
| Rainwater and sewage shaft........................3000 € |
| Civil engineer, connections..........................510 € |
| Additional permit, garage..............................90 € |
| Rainwater drainage and yard gravel............3300 € |
| Garage, HT pipes for rainwater.......................65 € |
| Yard graveling, house perimeter.................from 3000 € (excluding surface material) |
| Laying terrace..........................................from 2000 € (excluding surface material) |
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