Hello, I am currently planning our house. A brief introduction: we are building in Lower Bavaria.
We do not want a basement, and the house should have about 220 sqm (2,368 sq ft) of living space in total.
I work part-time as a farmer. We have a 29 kW photovoltaic system on our barn, which is connected to my parents’ house.
In the living area, we want either a tile stove or a wood-burning stove since we have our own wood supply. A wood chip heating system is not an option for us.
What would you recommend installing currently? I saw a stove from SHT that can burn both pellets and logs. The advantage would be that we could avoid having both a tile stove and a wood stove.
I’m not quite sure at the moment... I would really appreciate your advice. Best regards
We do not want a basement, and the house should have about 220 sqm (2,368 sq ft) of living space in total.
I work part-time as a farmer. We have a 29 kW photovoltaic system on our barn, which is connected to my parents’ house.
In the living area, we want either a tile stove or a wood-burning stove since we have our own wood supply. A wood chip heating system is not an option for us.
What would you recommend installing currently? I saw a stove from SHT that can burn both pellets and logs. The advantage would be that we could avoid having both a tile stove and a wood stove.
I’m not quite sure at the moment... I would really appreciate your advice. Best regards
Electricity prices probably won’t get any cheaper... The government keeps coming up with new charges. And what else can you do with money sitting in the bank? There are more wasteful expenses than investing in a photovoltaic system. From a purely financial perspective, a fireplace isn’t really worthwhile either, is it?
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Bieber08154 Jan 2018 08:01berny schrieb:
And what do you want to do with the money in the bank? I don’t know any home builder who has done it without a loan. Partly because I don’t know the right people, but also because most people don’t have that much money just sitting in their accounts. So, for new builds (which is the topic of *this* forum), probably 99% of photovoltaic systems are financed with loans.
And if someone does have the money in the bank, they typically spend it on something that brings more benefit (return or enjoyment, depending on personal preference).
Well, do really 99% of people finance their photovoltaic systems with loans? That surely costs around 2% interest per year, plus processing fees, etc. That wouldn’t really make sense; a photovoltaic system might generate a small profit over its entire lifetime—especially since no one knows the electricity price in 5 or 15 years—but with financing costs?? Most people probably don’t do it that way. Why would someone borrow money with interest for a system that ends up being clearly unprofitable after the loan is fully repaid? You might as well not do it at all. But of course, everyone is free to choose as they wish...
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toxicmolotof4 Jan 2018 10:49Putting aside that a rooftop photovoltaic system can be financed not only through KFW loans but also as part of regular construction financing (usually under 2%), such a system doesn’t cost a fortune nowadays. The top range for a house-sized system (just under 10 kWp) was around 13,000 euros two years ago. It’s not exactly free (see above), but not unaffordable either. My system costs me about 8 euros per month in interest—roughly the price of one and a third packs of cigarettes.
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Bieber08154 Jan 2018 11:02berny schrieb:
Well, do really 99 % of people finance their photovoltaic systems with loans? The figure was, of course, polemic and referred to the context of this(!) forum, where home builders discuss. A farmer who covers their barn or stable, which has been family property free of encumbrances for generations, or the owner of a mortgage-free home usually pays for the photovoltaic system from their savings.
However, those who build a new house generally(!) do so with financing. At least, I don’t know of any other cases, and the presence of the topic “financing” in this forum suggests as much. Then, regardless of the amount of equity, I assert that photovoltaic systems are always financed by loan. Because if they are omitted, a loan reduced by the purchase cost must still be taken immediately.
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Baumfachmann4 Jan 2018 14:05I have built my third house, and the numbers don’t lie.
The most important factor is insulation. With my passive house standard, I pay less than €400 per year in energy costs, even though I installed a very affordable heating system initially, and I don’t have to shop wearing a jacket and wool socks.
I have a good comparison based on my other houses, but to each their own—there are also people who are willing to pay more for green electricity, which is perfectly fine.
The most important factor is insulation. With my passive house standard, I pay less than €400 per year in energy costs, even though I installed a very affordable heating system initially, and I don’t have to shop wearing a jacket and wool socks.
I have a good comparison based on my other houses, but to each their own—there are also people who are willing to pay more for green electricity, which is perfectly fine.