Chamber buy
AMSTERDAM - it is each new study year a problem: how I find a chamber in the city
where I study. Some have luck, but there are also innumerable breakdown birds.
Perhaps it is for them an idea of buying a chamber. Your zit then, as it happens,
for not already too much money on a good spot in the city. Toch is such
buy chamber not put aside for every student. Their parents must stand guarantor
with the overwaarde on their house.
In Utrecht the buy chamber already a confessed phenomenon is. The local Rabobank
does there in mortgages on chambers. That goes as follows. With a number
gelijkgestemden zoek you a suitable pand. Then a broker goes all
spaces ' evaluate on woongenot ', as that is called.
Floris Veenendaal van Rabobank Utrecht: Comes from that
allocation formula which has the price of the house as a sum.Becomes then
so-called woonvereniging set up. The members of the association go everyone
for their part a mortgage debt. The students take the mortgage and
their parents sign. That means that when the bank in vain at
student knocks for interest and relay, these to the parents goes. And
if that do not pay, then the other members of the association are
responsible.
The woonvereniging pay the common costs, such as
onroerendgoedbelasting and gas and lift. Another requirement of the bank is that
association reserves a considerable amount for maintenance. Students are
nevertheless net economically on their spullen then others something less, thus
Veenendaal.
According to this construction a chamber can buy by means of two Internet sites:
buy chamber.Netherlands and
student studio.Netherlands. Rien zoekt Pouwels of the last pawn on leuke
locations in the city, build them for to student houses and throw in the chambers
sale. By studio the student between fifty pays - and
honderdvijftigduizend euro, depending on depending on surface and comfort.
So far students can buy only chambers in Utrecht. Here
supplies the municipality licenses for converting to pawn to
student houses. In Amsterdam, which other city with large chamber need is, it
not yet up to that point. Pouwels expect however in the course of this year are first
in the capital of the hand do studios to be able.
A chamber to buy has not been put aside for everyone. The bank asks parents
guarantee by means of the overwaarde on their house. That does not have of course everyone
, Pouwels tell. Comes and he who moreover at each other adds up all costs,
even for the cheapest chamber on a considerable month amount.
Veenendaal and Pouwels say moreover that there few dangers stick to
buy of a chamber. Pouwels have resold already two there and are
eigenaren, however, improve of become. Toch must according to Veenendaal buying
student not too much counts on a price increase. It goes that
you against a reasonable price have a good spot.
example
A house of €200.000 it is divided concerning four entities of everyone €50.000.
With costs purchaser the house costs in sum €220.000. In the costs purchaser sit
six per cent conveyance duty, the costs for the notary and
financing expenses. Against four per cent interest (five years fixed) is
monthly interest charges €183.
' ordinary ' people can deduct this amount of the tax. Students
do not have because of their low income this advantage generally. The bank
hundred per cent of the executiewaarde finances grace. Compared with
the rest stands the overwaarde of the house of the parents. Furthermore is there also still
onroerendezaakbelasting, gas and lift and reservation for maintenance. For
an entity of €50.000 is that towards estimate €65 per month. In sum comes
a buy chamber then all on monthly €248.
Sportstudente Joyce Vosmeer got going the key of its studio in December
the utrechtse Willem Hedastraat, shallow and zuilen. She paid
€110.500 for a chamber of 24 square meters and a sleep chamber of 8
square meter with three others in an angle house. Its fixed charges pays
them of its bijbaantjes as a sport instructor and in a drogisterij.
The kitchenette with which was entirely produced, has them there immediately
from gesloopt. I love very a lot cook therefore I have somewhere
complete kitchen tapped on the head.Further she must sanitary sharing
with a huisgenoot. For them, looked around she bought the studio also at ordinary
owner-occupied houses in Utrecht. Then you pay exactly what more for a something
larger sleep chamber. This finds I ideal. I gladly do not live, as it happens, only.
Source "chamber buy": telegraph
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