The ongoing financial crisis and uncertainty in the investment markets are one reason why more and more people are investing in “concrete gold”. The absolutely low interest rates for building money also cause people to buy property. But a few basic things should be considered right now so that the financing is on a sound long-term basis: The purchase price of the property should be ori...
For many people, home ownership is at the top of their wish list. Only understandable, since your own property is one of the best pension schemes. Especially in times of low loan interest, the dream of having your own four walls comes a little closer. What should be considered when planning the construction?
Building finance provides a solid foundation
Very few builders are likely to be able to manage the home project on their own. Solid construction finance is the first planning step. With a list of income and expenses, the monthly rate available for a home loan is determined. Numerous computers are available on the Internet, in which all income and all costs can be entered point by point. The maximum loan amount results from the monthly amount available. Together with the equity capital, which should amount to at least 20% of the purchase price, the architect can see whether and how the wishes of the client can be implemented. The fact that building a house is a very complex issue can already be seen in the construction financing. Because a corresponding conception of the building has government support measures extremely positive effects on the financing.
Construction planning means energy efficiency
Anyone building a house today will have to worry about optimal energy efficiency in times of steadily rising energy prices. The state-owned MoneyKind Finance has defined standards and is promoting them accordingly. The following applies: the lower the number, the higher the energy efficiency. For example, a loan of USD 50,000 can now be realized at an effective interest rate of 1.71% pa with a ten-year term, two repayment-free start-up years and ten years fixed interest. The energy-efficient house starts with the roof. In the case of a new building, the architect could suggest installing a photovoltaic system in addition to the mandatory roof insulation. The module-friendly installation variant offers storms no surface to attack and fits harmoniously into the roof surface.
How house facade and windows influence building planning
Natural light is perceived as particularly pleasant. In this way, light-flooded rooms always have a positive effect on mood and well-being. Thanks to sophisticated window constructions, even large glass fronts do not have any disadvantages in terms of heat emission. But on the contrary! With energy-saving plastic windows, building owners save a substantial part of the heating costs. Triple-glazed plastic windows can achieve a pleasingly low U-value of just 0.4. Dimensionally stable even with large temperature fluctuations, inexpensive and easy to maintain, windows with plastic frames are a real alternative to wooden windows. Tricks can also be used to insulate the facade. Vacuum insulation panels are used in new types of facade insulation systems. Instead of 30 cm, 3 cm material thickness is sufficient for comparable insulation values.
How the floor plan affects the interior
Together with the architect, the individual rooms can be designed according to the specifications and wishes of the client. Apart from structural and structural requirements, the client canmove freely in terms of design. It is not uncommon for house construction to be carried out by a developer. However, the “turnkey handover of the property” does not mean that the client no longer has any influence on the construction planning. Property developers certainly leave room for individual design. The floor plan can be varied slightly, different bricks, exterior paintings, tiles, floor coverings etc. can be selected. But how to protect yourself from black sheep (topic: developer bankruptcy)? The broker and property developer regulation (MaBV) regulates when the installments are to be paid for the object to be created. If a developer requests 50% of the contract sum after the start of the earthworks, this could indicate his liquidity problems. A tip:let the developer give you references and talk to the residents about their experiences on site. And now – have fun with your successful construction planning.