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3 room apartment (ground floor), built 2010, 0.9% interest, 2.5% amortization with terrace
Schafredder 15, 24787 Fockbek – Schleswig-HolsteinThe Fockbek building ensemble - planned and built by an architect - consists of 3 interlocking terraced houses. The front building is to be sold, consisting of 2 apartments on the ground floor and top floor (next to the pellet building).
First floor, 91 sqm living space = € 258,000.00 (€ 228,909 *) with terrace and garden area
Top floor, 69 sqm living space = € 189,000.00 (€ 167,437.99 *) = with garden area
(* economic purchase price due to financing model !!) An exposé of the top floor apartment is available as a PDF file.
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Both apartments are rented (index-linked rental agreements). The data:
First floor apartment warm rent .............. 1.030,00 €
Interest 0.9% ............................................ - 171,00 €
Repayment 2.5% ............................................. - 475,00 €
House rent ......................................................... - 409,00 €
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Monthly liquidity charge - € 20.00
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Residual debt 31.12.2030 € 198,909.00
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Top floor warm rent ................................. € 850.00
Interest 0.9 % ....................................................... - 126,75 €
Repayment 2.5% ...................................................... -352,08 €
House rent .............................................................. -311,00 € ............................................................................... _________
Monthly cash surplus .......................................... 60,17 €
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Residual debt 31.12.2030 ................................ € 147,437.00
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In order to be able to understand the above calculation, it is essential that you take a look at the loan agreements and exemplary financing plans up to 31.12.2030. I would send you the rental agreements by e-mail on request. The equity required for the first floor apartment is €30,000.00 and €20,000.00 for the top floor apartment. During the rental phase, you have no liquidity burden despite the high repayment and only have to refinance the remaining debt through bank financing after 6 or 4 years, for example. The advantages of this structure: no liquidity burden in the rental phase due to preferential financing, additional equity formation through 2.5 % repayment, you only claim your own requirements after 4 or 6 years. Disadvantage: You have to buy both apartments in order to obtain the preferential loan. If you want to use the apartments for your own use, our financing offer depends on the individual case (amount of equity, creditworthiness of the buyer).
Are you interested in this apartment?
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Object Number
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OM-259803
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Object Class
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apartment
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Object Type
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ground floor apartment
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Is occupied
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Occupied
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Handover from
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by arrangement
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Purchase price & additional costs
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purchase price
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258.000 €
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Purchase additional costs
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approx. 20,545 €
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Total costs
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approx. 278,544 €
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HOA fee
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409 €
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Breakdown of Costs
* Costs for notary and land register were calculated based on the fee schedule for notaries. Assumed was the notarization of the purchase at the stated purchase price and a land charge in the amount of 80% of the purchase price. Further costs may be incurred due to activities such as land charge cancellation, notary escrow account, etc. Details of notary and land registry costs
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Estimated monthly rate: 972€
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Details
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Condition
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well-kept
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Level
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ground floor
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Usable area
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5 m²
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Bathrooms (number)
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1
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Bedrooms (number)
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1
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Number of parking lots
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1
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Flooring
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laminate, tiles
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Heating
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central heating
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Year of construction
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2010
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Equipment
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terrace, garden, shower bath, fitted kitchen, fireplace
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Infrastructure
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pharmacy, grocery discount, general practitioner, kindergarten, primary school, secondary school, middle school, comprehensive school, public transport
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Information on equipment
Pellet heating
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The entire property (5 condominiums) requires around 10 tons of pellets per year, one ton currently costs around € 270.00). As a result, the heating costs are considerably lower than with gas or oil heating. Incidentally, the heating costs are included in the housing levy.
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Garden share
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The good news: approx. 50 m from the apartment you have a garden share as a special right of use according to the declaration of division (communal garden with the owners of the attic apartments and the first floor apartment of the front building). The bad news is that the garden has not yet been laid out, but is merely a lawn.
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Garden usage right
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Location
Financing
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Both apartments would be suitable for intergenerational living, as an investment and for owner-occupation. The construct: As both apartments are debt-free, the owner grants a preferential loan. The advantage: unbureaucratic processing, no bank discussions and quick decisions. We are interested in selling both apartments to an investor. If the apartments can only be sold to individual buyers, the granting of preferential financing depends on the individual case.
Location Check
Energy
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Energy certificate type
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demand certificate
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Main energy source
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wood pellets
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Final energy demand
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100.00 kWh/(m²a)
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Energieausweis
Teilungserklärung
Miscellaneous
Garage and pellet house
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The garage is not the separate property of one owner, but belongs to all 5 owners jointly, because everyone has the right to store garden furniture and bicycles. The same applies to the pellet house (to the left of the front building). In my opinion, the relatively elaborately built garage and the pellet house round off the picture of the Fockbek building ensemble very harmoniously. The heating law plays no role in this property!
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You can certainly compare the price per square meter of the apartment with other properties in order to better weigh up the pros and cons of the asking price. This arm's length comparison is of course sensible and desirable. But when are the properties comparable? My opinion: A purchase price of € 258,000 results in a price per square meter for 91 square meters of living space of € 2,835.00. The pellet house and the garage (common property) account for a price per square meter of around € 224.00, so that the ground floor apartment has a price per square meter of € 2,611.00 (top floor apartment = € 2,515.00). As a rule, these prices are comparable with other properties built in 2010. If this price per square meter does not seem marketable to you, we would ask you not to contact us - we ask for your understanding.
Bathroom
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The bathroom is designed as a shower room. In 2021, we had water damage in the bathroom (not a burst pipe, but leaking joints in the shower area). The shower area was re-tiled (larger tiles, very sophisticated mosaic), but not the rest of the bathroom because there was trouble with the tiler.
Contact details
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My suggestion and request: First take a look at the Fockbek building ensemble. I have put extensive additional documents online so that you can compare, check and weigh up our brokerage-free offer with your specific purchase expectations before you arrange an internal viewing with me. On request, I can draw up a financing plan based on your personal details. You will be granted an internal viewing if you have provided proof of your own capital, for which I ask for your understanding. If you have any further questions, please do not hesitate to contact me by telephone. I would like to thank you in advance for your discretion during the external viewing and look forward to getting to know you. If you do not like the property - which we would very much regret - we wish you the success you deserve in your apartment search.
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- Tel. : 04342/ 7100032
- Mail: stb.wieser@web.de
Viewing address: 24787 Fockbek, Schafredder 15
Broker inquiries not welcome! According to § 7 UWG, unsolicited contact by brokers without the express consent of the recipient is prohibited!
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Offer from: Hans-Joachim Wieser
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