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#fremdkapital

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Holl
@HOLK
1Mon·
Portfolio Feedback

Good morning,


Real estate or shares? Equity or debt capital?


I would like to hear your opinion.

I looked at a house 3 weeks ago and am in talks with the owner.


The house costs between €500,000 and €525,000. We are still in negotiations. It really is in very good condition. Nevertheless, I don't want to agree to the €525,000 directly.


With all the ancillary costs and renovation work, I'm looking at €600,000 - €610,000.


My family will give me €365,000.

I have €32,000 in my custody account with my broker.


I will currently receive a loan with interest of 3.6 - 3.8 %.


My share portfolio is still a little bit close to my heart... Even though I'm totally in favor of the house (location, rooms, energy status, etc.), it's still a good investment. Top.

Thank you in advance for your opinion/tips/evaluation.


Kind regards

Holl


#eigenheim
#eigentkapital
#fremdkapital
#immobilie

31Positions
€46,071.99
24.29%
1
9 Comments
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felefix@felefix
1Mon
You will sell all of your 31 positions into a single position that is "Im - Mobile". I would think carefully about this. How much "real estate" do you need and can you live with the fact that you will be paying off the loan for X years? Do you also have additional reserves in case you need more? Nowadays, it's not so easy to plan renovation work in advance.
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Holl
@HOLK
2Mon·
Portfolio Feedback
32Positions
€44,275.20
20.46%
2
3 Comments
Adrian@buysedip
2Mon
You have some nice positions there 👍🏻. I would probably divest myself of $BAS, $VLTO WI, $MMM, $ADS and $CCL and put the money freed up into one of your etfs. I would also decide which of the two ETFs you prefer. Either the all World or the World etf. Neither makes sense in my eyes.
Have a nice evening.
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einfachmehrvomleben
@einfachmehrvomleben
2Yr·