Who buys what, who cleans

Who buys what, who cleans

However, customers should make sure that their construction financing does not come off the peg, but is adapted to their personal life planning and financial possibilities.

Break down the total costs of the project

The most important key data are age and the point in time at which you want to be debt-free again. If interest rates are low, the initial repayment rate should be at least three percent.

In order to largely rule out unpleasant surprises in advance, Philip Pürthner recommends drawing up a building finance plan that breaks down the total costs of the building project. This includes the acquisition costs for the acquisition of the property, the production costs from the construction to the shell construction to the expansion work, but also the ancillary construction costs. It is not uncommon for the ancillary construction costs to make up 20 percent of the total amount. "They are a decisive cost factor that many simply ignore", says Pürthner.

Best structure mortgage plan

The specialist lawyer for building and architectural law advises structuring the building finance plan according to own and borrowed funds. The repayment target should be set for the loans, i.e. in which period the money is to be repaid. In addition, the fixed interest rate, i.e. for which period the fixed interest rate applies, and what type of loan it is.

"The monthly installments should not be too tight if possible, but should be planned in such a way that they can be paid if something comes up", emphasizes Alexander Krolzik from the Hamburg consumer center.

Whether and how much reserve there should be depends largely on the project. "Refurbishing an old building has far more imponderables than building a new building or buying a condominium", says Krolzik. Including the ancillary costs for living, the monthly burden should not be more than 40 percent of the net household income.

Frankfurt / Main (dpa / tmn) – If the basement is under water after heavy rain or rivers overflowing their banks, you have to react quickly. The longer the water is in the basement, the worse the damage can be.

And yet: the water is life threatening. Initially, the basement may not be entered under any circumstances. The tips for those affected in optimal order:

Step 1: Turn off the power

Under no circumstances may one enter the cellar or other parts of the building as long as the electricity is not switched off. Otherwise there is a risk of fatal electric shocks if the meter cabinet and electrical systems are flooded, explains the Central Association of German Electrical and Information Technology Trades (ZVEH). The fuses may also no longer work properly.

Before entering the flooded rooms, the first step is to switch off the electrical system. If those affected cannot access the main distribution box because it is in the flooded basement, they have to call the energy supplier.

Connecting a water pump or electric dehumidifier to the power supply in the house can also be life-threatening, emphasizes the ZVEH. A specialist must first check the system.

2nd step: dispose of pollutants

Also, the next step isn’t pumping water or mopping up. First of all, you should be clear about whether heating oil or other dangerous substances could have leaked. If this is the case, the Federal Office for Civil Protection and Disaster Aid (BBK) advises calling the fire brigade.

3rd step: Documentation

Now it is the insurance’s turn: the damage must be documented with photos and then reported quickly to the insurer. The Association of the German Insurance Industry points this out.

Incidentally, the following applies to the following period: tradespeople may only be commissioned after consulting the insurance company. Because the insurance company must be able to examine the damage itself, explains the Koblenz Bar Association.thesis of to kill a mockingbird If you act too hectically and quickly here, you may lose your insurance cover.

At the same time, however, the insured must keep the damage as low as possible – there should be no consequential damage. Therefore, flooded rooms have to be pumped empty as quickly as possible and equipment or furniture removed from the damp environment.

Basically, the following applies: In the event of flooding in the house, the insurance cover only applies if protection against natural hazards is in place. Consumers must take out this insurance against natural hazards in addition to other policies, explains the Association of Insured. Then the residential building insurance is responsible for damage to the house. Household contents insurance applies in the event of damage to the property, such as a destroyed facility.

4th step: pump out and clear out

Now it is time to pump out the water and dry it with the appropriate equipment. Even if this is not the first step in a flood, action should now be taken quickly. Because the faster the rooms are drained, the sooner structural damage and the formation of mold can be avoided, explains the BBK.

But there is one restriction: The emergency experts emphasize that when the water level is really high, you should only start pumping out the water when the water table has sunk sufficiently. Otherwise the floor pan of the house can be damaged. When this is the case, for example, the community can assess.

Drying devices are available to borrow from hardware stores, for example. Whether you need professional help with drying and renovating depends on the severity of the flood and the building materials used in the house. It can roughly be said: Everything that can soak up should be examined by a specialist. These include drywall walls or insulation. In addition, the following applies: electrical devices such as washing machines, lights and other tools should only be used again after a specialist has released the electrical system in the house.

Freiburg (dpa / tmn) – What, are you moving into a shared apartment? Anyone over the age of 30 "just" Looking for a room instead of an apartment is often viewed with strange eyes by family and friends. Many people think that those days are long gone after training and studying.

But that has changed. There are many reasons why people of all ages – including 70-year-olds – move into a shared apartment. "Living alone is no longer affordable for many, especially in the big cities", explains Ulrich Herrenweger from the Berufstaetigen-wg.de platform. Some others appreciate the flexibility: "You can break away quickly and quickly, for example in the event of career changes"says Clemens Albrecht, Professor of Sociology at the University of Bonn.

A shared flat can also have advantages for like-minded single parents and seniors: People are in a similar situation and support each other in everyday life. Others, on the other hand, hope for more social contacts through a shared apartment. For example, when they come to a new city. Others just don’t want to live alone.

Just as controversy issues quickly arise when living together with a partner, so this happens among roommates. If not more intense – after all, the binding feeling of love is missing here. Therefore, binding rules are usually required in a shared apartment.

How much do you interact with each other?

The daily glass of wine in the evening, a binding flat-share evening per week – which sounds nice, is too much everyday life with the flat-share residents in the post-study phase. There is a risk of controversy if ideas diverge. How do you avoid that?

The expert opinion: Regardless of the purpose for which you are looking for a flat share, coexistence naturally works better if you are personable. But there is more to it: "One should agree in basic settings", says Annegret Mülbaier from the portal WG-gesucht.de. This ranges from the idea of ​​hygiene and similar eating and cooking habits to leisure activities.

The latter is something that characterizes the basic orientation of the flat share. "The more free time there is together, the more likely the flat share will become a substitute for families"says Prof. Albrecht. One is looking for exactly that, the other already has an intense social life – you have to communicate that when you first meet in order to avoid disappointment.

Who is buying what, who is cleaning?

One roommate always buys the toilet paper, another nothing for the common home. Instead, he regularly grabs each other’s fruit. How strictly should one regulate such a thing?

The expert opinion: Very few shared apartments can do without any rules. "Who pays what and when should be contractually regulated right from the start", advises Prof. Albrecht. The strict motto is also best: if you don’t pay, you’re kicked out. The expert also recommends: "The share of joint expenditure should be low, then fewer conflicts arise about who has used what and paid for it."

Everything else that cannot be regulated informally should also be laid down. In other words: If nobody cleans voluntarily, a cleaning plan has to be found – or a cleaner. Multi-generation shared apartments, on the other hand, are often based on mutual assistance: the older woman takes care of the children, their father does the shopping.

How do you avoid the break?

The cleaning schedule is disregarded, there are always visitors. How do you deal with each other when there is a risk of an argument?

The expert opinion: If anger builds up, only a conversation will help. That sounds like a banal tip, but: Many people shy away from addressing them directly at first. Prof Albrecht advises: "Ask the roommate to clean." If something bothers you, it is better to talk about it directly and negotiate your own tolerance thresholds.

Hamm (AP) – They are tiny houses – and they are just coming out big. Not only as an occasional eye-catcher on the campsite, as a garden house or holiday accommodation.

They are increasingly coming into focus as a home. In times of exploding rents and huge housing shortages in large cities and metropolitan areas, interest in XS dwellings is growing. Curiosity has been aroused in many municipalities.

Plans for special tiny house settlements are underway.

A manufacturer in Hamm – the Tiny House Diekmann joinery – has had full order books for three years. The 40-person team has specialized in the smallest houses that are mobile with trailers, but with which you can also settle down. "They are not equipped in the camping standard, but in the normal house standard"says company boss Stefan Diekmann.

A look into his workshop in Westphalia shows: The minis, mostly with 22 to 25 square meters of living space and on one and a half levels, are cleverly furnished. Much is used multiple times: a room divider between the living room and kitchen functions as both a staircase and storage space. Kitchenette, washing machine, bathroom with shower – everything is included. The supply of electricity, fresh water or sewage works like in a standard house, emphasizes Diekmann.

There are around 20 tiny house providers nationwide, says Isabella Bosler, managing director of Tiny Houses Consulting. There are also companies from neighboring EU countries. "Companies are sprouting up like mushrooms right now, so it’s difficult to get a complete overview." Bosler’s company from Bavaria advises on building law issues and planning. An association on the topic has not yet formed, says Bosler.

Great demand

"The demand is enormous", reports Vera Lindenbauer, spokeswoman for the Diekmann joinery, which supplies customers from all over Germany. However: If you want to use the Tinys – cost factor on average between 60,000 and 65,000 euros – as your own home and permanent residence, the same rules apply as for single-family homes. So you need building ground and a building permit, requirements for statics or fire protection must be met, as the German Association of Cities and Municipalities (DSTGB) explains.

There is a lack of affordable apartments, new buildings are nowhere near enough and real estate prices are rising. In view of the lack of living space and space, alternatives are being sought, Diekmann also observes. "A tiny house initiative is now running in almost every large city." Lindenbauer reports on many inquiries from local authorities. Many areas could be suitable for tiny houses with their limited space requirements – including fallow areas that are not sufficient for conventional building use.

Dortmund is currently making progress here: It has been politically decided that a tiny house village for 40 to 50 residents will be built on a former soccer field in the Sölde district. Planning procedures and development will take around two years, but more than 100 interested parties want to live there in the future with their primary residence and their own small house, as Gerald Kampert from the city planning office reports. "We offer small, inexpensive plots and develop them according to the needs of the tiny house residents."

Environmental sustainability

Kampert sees enormous advantages in terms of space consumption and environmental compatibility: "Detached houses in the big cities are real area hogs. We have to offer environmentally friendly, space-saving alternatives." If the experiment works in Sölde, read the next goal: a tiny village in every district. Kampert is convinced that when it comes to living and building, you have to leave the beaten track. Other cities knock on his door – for example Münster, Bochum or Düsseldorf.

"The tiny house projects are an exciting approach", thinks the Association of Towns and Municipalities. "They can be suitable to offer living space for students or single households and to relieve cities and municipalities with regard to housing shortages." A project is under way in Bremen, an initiative has been formed in Karlsruhe – the whole thing is moving. In Warendorf near Münster, the political decision has been made, but the property has not yet been found. In Hanover, the largest tiny house estate in Europe is even to be built.

High ecological standards

And that is climate-neutral, with high ecological standards and initially for a good 210 people, as the Ecovillage initiative emphasizes there. The city of Hanover agreed in principle where the quarter should be built. And such a tiny village already exists in the Bavarian Fichtelgebirge community of Mehlmeisel – probably the very first settlement of its kind in Germany, on a former campsite. A young couple was the initiator.

And who wants to move into the dwarf houses – originally from the USA, but mainly built there on wheels? According to Lindenbauer, it is often people who live minimalistically and consciously want to do without the superfluous. "And we have a large group of customers who want to reduce their ecological footprint." Even in phases of upheaval – after separations or job changes – some people become tiny friends. Young people who do not want to go into debt for decades for their own home are also interested. "And tenants who no longer want to pay 1200 euros for 65 square meters."

Bad Honnef (dpa / tmn) – One might think that young trees and bushes only need a little water because they are still so small. But regular and intensive watering is extremely important, especially with young trees.

Current survey: These are the favorite vegetables of the German dried flowers are trendy in the bridal bouquet. Easy-care medicinal plant: The healing power of aloe vera Tinsel substitute: Decorate the Christmas tree with straw.

Because they have not yet formed roots as deep and widely branched as the trees that have been in one location for a long time.

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