Hello everyone,
we are currently planning to possibly purchase a plot of land directly from the municipality and have a house built on it by a developer.
The plot is 440m² (4740 ft²). The price is 190€ per m² (square meter) (developed).
The price for the planned bungalow is 246,500€ fully finished (except for painting. The terrace, driveway, and path to the house are paved), through a very reputable developer (they have built many houses here and also three in our family).
However, we plan to reduce the originally planned living area from 118m² (1270 ft²) to around 100-105m² (1075-1130 ft²).
A little about us:
My husband and I are 27 and 26 years old (together for 9 years, married for almost two years), with a dog, do not want children, and both work in permanent, “relatively” secure jobs.
Together we earn a net income of 4200€ (plus Christmas and holiday bonuses) and have 25,000€ in equity.
I would simply like to hear your assessment.
We have already consulted two banks, which naturally told us that we can afford it.
I would simply like to hear your assessment.
The main issue is that we want to own property as soon as possible; the real estate situation here in our village is terrible (over 200 applicants competed for 40 plots during the draw for the plots).
Used properties or condominiums are only junk listed on real estate platforms, as everything else is sold off-market.
We feel capable of handling the project but suffer from the “typical” fear of life uncertainties, such as one of us losing our job, etc.
Greetings and thanks in advance!
we are currently planning to possibly purchase a plot of land directly from the municipality and have a house built on it by a developer.
The plot is 440m² (4740 ft²). The price is 190€ per m² (square meter) (developed).
The price for the planned bungalow is 246,500€ fully finished (except for painting. The terrace, driveway, and path to the house are paved), through a very reputable developer (they have built many houses here and also three in our family).
However, we plan to reduce the originally planned living area from 118m² (1270 ft²) to around 100-105m² (1075-1130 ft²).
A little about us:
My husband and I are 27 and 26 years old (together for 9 years, married for almost two years), with a dog, do not want children, and both work in permanent, “relatively” secure jobs.
Together we earn a net income of 4200€ (plus Christmas and holiday bonuses) and have 25,000€ in equity.
I would simply like to hear your assessment.
We have already consulted two banks, which naturally told us that we can afford it.
I would simply like to hear your assessment.
The main issue is that we want to own property as soon as possible; the real estate situation here in our village is terrible (over 200 applicants competed for 40 plots during the draw for the plots).
Used properties or condominiums are only junk listed on real estate platforms, as everything else is sold off-market.
We feel capable of handling the project but suffer from the “typical” fear of life uncertainties, such as one of us losing our job, etc.
Greetings and thanks in advance!
S
sweettalker12 May 2017 10:47Steffen80 schrieb:
Helphelp didn’t write anything at all.. why do you feel so offended right away?
Regards, Steffen (who thinks.. children need both mom and dad, especially when they don’t have a choice)I didn’t take it as an attack either.
It was probably just the realization put into words. All good.
@Steffen80 A fundamental discussion is probably not welcome here, and I don’t want to start one either. But I also don’t want to leave it uncommented. I don’t share your opinion.
S
Steffen8012 May 2017 10:51Ok 🙂 It’s nice that you don’t attack me right away and apparently tolerate my opinion. That speaks well of you. Often, those who demand tolerance themselves are the least tolerant.
I can very well understand everyone’s desire to have children. I know how it feels when you want a child but don’t know if you will have one.
Regards, Steffen
I can very well understand everyone’s desire to have children. I know how it feels when you want a child but don’t know if you will have one.
Regards, Steffen
S
sweettalker12 May 2017 10:57sweettalker schrieb:
I didn’t take it as an attack either. It was probably just the realization put into writing. All good.
@Steffen80 A fundamental discussion is probably not welcome here, and I don’t want to start one. However, I don’t want to leave it unaddressed either. I don’t share your opinion.@Steffen80 Who attacked whom? I simply asked about the background of the comment and explained why you can’t generally say that same-sex couples definitely don’t plan to have children. Even from Hilfehilfe’s response, I didn’t see any indication that they felt attacked. This is your concern, and you are attacking me right now. I respect your opinion and, based on several posts, I know how to assess you.
I won’t necessarily like it, but that’s a different matter.
I won’t necessarily like it, but that’s a different matter.
Yes, Steffen. He can’t pass a wasp’s nest without poking at it.
Who needs that…
On the topic: I think you are making the right decision.
Financially, it would have been manageable, but the current interest rate situation really tempts people to push through some last-resort solutions in real estate at any cost. As you said, the plot is too large and everything faces north…
The situation will change again eventually when it comes to the real estate market.
Who needs that…
On the topic: I think you are making the right decision.
Financially, it would have been manageable, but the current interest rate situation really tempts people to push through some last-resort solutions in real estate at any cost. As you said, the plot is too large and everything faces north…
The situation will change again eventually when it comes to the real estate market.
S
Steffen8012 May 2017 12:47I found your reply a bit "snappy"...
But it’s all good... I wasn’t the one you meant 🙂
Nice weather... time to relax 🙂
But it’s all good... I wasn’t the one you meant 🙂
Nice weather... time to relax 🙂