Beim Immobilien-Kauf auch an die Nebenkosten denken

Gegenwärtig sind die Zinsen niedrig und viele Verbraucher denken darüber nach, eine Eigentumswohnung oder ein Haus zu kaufen. Schließlich können sie unter Umständen in der eigenen Immobilie günstiger wohnen als zur Miete. Doch eine gute Kalkulation der Kosten des Immobilien-Kaufs setzt auch voraus, dass alle Nebenkosten des Immobilien-Erwerbs in die Kalkulation einfließen.

Beim Immobilien-Kauf auch an die Nebenkosten denken
Beim Immobilien-Kauf auch an die Nebenkosten denken

Relevant für den Immobilien-Erwerb sind die Kreditkosten. Man muss viele Jahre lang einen hohen Kredit zurückzahlen und man muss ausreichend sicherstellen, dass man auch nach Jahren oder Jahrzehnten zahlungsfähig ist. Wichtig ist auch, dass man – bei niedrigen Zinsen wie jetzt – auf eine möglichst langfristige Zinsbindung achtet. Denn sonst könnte die Umfinanzierung nach 10 oder 15 Jahren Immobilienbesitz zum Problem werden. Viele Geldinstitute bieten auch eine Finanzierung von 20 Jahren oder länger an; selbst wenn dann die Zinsen etwas höher sind, ist man langfristig auf der sicheren Seite, denn man kennt jetzt bereits die Kosten in der Zukunft.

Allerdings werden die sogenannten Nebenkosten des Immobilienerwerbs häufig bei der Kalkulation zu wenig beachtet. Da wäre zum einen an die Maklergebühr zu denken, die dann häufig fällig wird, wenn man eine Gebrauchtimmobilie erwerben möchte, die zunächst auf dem umkämpften Wohnungsmarkt zu finden ist. Bei Gebrauchtimmobilien sind auch häufig Sanierungsmaßnahmen notwendig, bevor man einziehen kann. Auch diese Kosten sind zu berücksichtigen bzw. in die Finanzierung des Immobilienkaufs einzubeziehen. Beim Kaufvorgang selbst ist dann ein Notar zu beauftragen, der neben dem Grundbuchamt auch happige Gebühren abrechnen kann.

Sind alle Kosten in der Kalkulation und ist auch die Finanzierung gesichert, dann kann man beruhigt die Immobile und erwerben und sich darauf freuen, dass man demnächst statt Miete in das eigene Grundeigentum investiert.

Bildnachweis: © Eisenhans – Fotolia.com

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  291. When I initially left a comment I seem to have clicked the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I recieve 4 emails with the same comment. Perhaps there is an easy method you are able to remove me from that service? Many thanks!

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  314. Hi, I do think this is a great website. I stumbledupon it 😉 I will revisit once again since i have book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide other people.

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  322. An interesting discussion is definitely worth comment. I do believe that you ought to write more on this issue, it might not be a taboo subject but generally people don’t discuss these subjects. To the next! Kind regards!!

  323. An impressive share! I’ve just forwarded this onto a colleague who has been doing a little research on this. And he actually ordered me dinner due to the fact that I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending some time to discuss this matter here on your blog.

  324. Oh my goodness! Incredible article dude! Thank you so much, However I am experiencing troubles with your RSS. I don’t know the reason why I cannot join it. Is there anybody else having similar RSS problems? Anybody who knows the answer can you kindly respond? Thanx!!

  325. An outstanding share! I have just forwarded this onto a co-worker who was doing a little research on this. And he in fact bought me lunch simply because I found it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending the time to discuss this topic here on your website.

  326. Hi, I do believe this is an excellent web site. I stumbledupon it 😉 I will return yet again since i have book marked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  327. I really love your site.. Pleasant colors & theme. Did you develop this site yourself? Please reply back as I’m attempting to create my own personal website and would love to know where you got this from or just what the theme is named. Cheers!

  328. Can I just say what a comfort to uncover a person that truly understands what they are talking about online. You certainly know how to bring a problem to light and make it important. A lot more people have to look at this and understand this side of your story. I can’t believe you’re not more popular given that you certainly possess the gift.

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  330. I’m very pleased to find this website. I need to to thank you for your time for this particularly wonderful read!! I definitely appreciated every part of it and I have you saved to fav to check out new stuff in your blog.

  331. Hi! I could have sworn I’ve visited this site before but after browsing through some of the posts I realized it’s new to me. Anyways, I’m definitely happy I came across it and I’ll be book-marking it and checking back regularly!

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  333. An intriguing discussion is definitely worth comment. There’s no doubt that that you need to publish more about this subject, it might not be a taboo matter but typically people do not speak about these issues. To the next! Cheers!!

  334. May I simply say what a relief to find a person that truly understands what they’re discussing on the net. You definitely realize how to bring an issue to light and make it important. A lot more people have to read this and understand this side of the story. I was surprised you aren’t more popular since you certainly have the gift.

  335. An outstanding share! I have just forwarded this onto a friend who had been doing a little homework on this. And he actually bought me dinner simply because I stumbled upon it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanx for spending the time to talk about this subject here on your blog.

  336. Having read this I believed it was really enlightening. I appreciate you taking the time and energy to put this informative article together. I once again find myself personally spending a lot of time both reading and posting comments. But so what, it was still worthwhile!

  337. I must thank you for the efforts you’ve put in writing this blog. I’m hoping to view the same high-grade blog posts by you in the future as well. In fact, your creative writing abilities has inspired me to get my own site now 😉

  338. Hello there! This post could not be written any better! Looking at this post reminds me of my previous roommate! He continually kept preaching about this. I am going to send this information to him. Fairly certain he’ll have a great read. Thanks for sharing!

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  344. Oh my goodness! Awesome article dude! Thank you, However I am encountering difficulties with your RSS. I don’t know the reason why I cannot join it. Is there anyone else getting similar RSS problems? Anybody who knows the solution can you kindly respond? Thanks!!

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  346. I’m impressed, I have to admit. Rarely do I encounter a blog that’s equally educative and entertaining, and without a doubt, you have hit the nail on the head. The issue is something that too few folks are speaking intelligently about. I am very happy that I stumbled across this in my hunt for something concerning this.

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  348. Having read this I thought it was extremely enlightening. I appreciate you taking the time and energy to put this article together. I once again find myself spending a significant amount of time both reading and leaving comments. But so what, it was still worth it!

  349. Hi, I do believe this is a great website. I stumbledupon it 😉 I will come back yet again since i have saved as a favorite it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  350. An interesting discussion is definitely worth comment. I do believe that you need to write more about this subject, it might not be a taboo subject but usually people don’t discuss such topics. To the next! Many thanks!!

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  352. Your style is unique in comparison to other folks I have read stuff from. Thank you for posting when you have the opportunity, Guess I will just bookmark this page.

  353. You’ve made some really good points there. I checked on the internet to find out more about the issue and found most individuals will go along with your views on this website.

  354. An outstanding share! I’ve just forwarded this onto a coworker who has been doing a little homework on this. And he actually bought me dinner simply because I found it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanx for spending the time to discuss this issue here on your blog.

  355. I have to thank you for the efforts you have put in penning this website. I’m hoping to view the same high-grade blog posts from you later on as well. In fact, your creative writing abilities has motivated me to get my own, personal blog now 😉

  356. Nice post. I learn something new and challenging on websites I stumbleupon everyday. It’s always interesting to read articles from other writers and use a little something from other websites.

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  358. I would like to thank you for the efforts you have put in writing this site. I am hoping to check out the same high-grade content by you in the future as well. In fact, your creative writing abilities has motivated me to get my own, personal website now 😉

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