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3-room apartment, no stairs, terrace, interest rate of 2.9% or 1.9%!
Schafredder 15, 24787 Fockbek – Schleswig-HolsteinThe Fockbek building complex, designed and built by an architect, consists of three terraced houses. The front building is to be sold and comprises two apartments on the ground floor and in the attic (adjacent to the pellet storage building). The ground floor apartment has been given notice by the tenant and will be available for occupancy from December 1st, 2026.
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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Vacant
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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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244.000 €
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Purchase additional costs
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approx. 19,525 €
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Total costs
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approx. 263,525 €
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HOA fee
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399 €
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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: 1,004€
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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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Tiles, Vinyl / PVC
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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 System
The entire building (5 apartments) requires approximately 12 tons of pellets per year. As a result, the heating costs are significantly lower than with a gas or oil heating system.
Garden Share
The good news: Approximately 50 meters from the apartment, you have a share of the garden as a special right of use, as defined in the declaration of division (a communal garden shared with the owners of the penthouse apartments and the ground-floor apartment in the main building). The bad news: The garden has not yet been landscaped; it is currently just a lawn.
Location
Financing
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The unique aspect: the financing structure. Since the ground-floor apartment is free of debt, the owner grants the buyer a preferential loan. The advantages are: streamlined processing, no need for bank meetings, a fixed interest rate for 5 years, the possibility of making early repayments at any time, and quick decisions. The terms of the preferential financing are: 2.9% interest rate, 1.1% repayment, and a term (fixed interest period) of 5 years. After 5 years, this preferential financing can be replaced with a bank loan of your choice, unless the owner offers a follow-up financing option. The equity should be at least 10% of the purchase price, plus ancillary purchase costs. Furthermore, appropriate income levels must justify or supplement this minimum equity. A draft loan agreement and financing plan are attached to this commission-free offer as a PDF file. My request: Please read these documents carefully, as they answer many questions. Thank you in advance. I would also like to draw your attention to two special cases. Special case No. 1: The financing offer becomes even more attractive if an investor purchases both apartments. In this case, the interest rate decreases from 2.9% to 1.9%, while the fixed interest period remains the same at 5 years. Special Case No. 2: This special case applies to self-employed investors. Based on our experience, this group often has difficulty providing proof of income, especially if the business has been recently established. In such cases, we may waive the requirement for proof of income, but we would need to increase the minimum equity requirement to 25%. We would be grateful for any suggestions regarding alternative solutions.
Both apartments in the main building are particularly well-suited for multi-generational living, and we would also like to offer this group of people preferential financing. The above information therefore applies to these investors in a similar manner.
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 Wood Pellet Storage
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The garage is not the sole property of any individual owner; instead, it is jointly owned by all four owners, as each has the right to store garden furniture and bicycles there. The same principle applies to the wood pellet storage building (located to the left of the main building). In my opinion, the relatively elaborate garage and the wood pellet storage building complement the overall appearance of the Fockbek building complex in a very harmonious way. I would like to highlight the fact that the entire structure is fully bricked. Of course, you will compare the price per square meter of the apartment with other properties in order to better weigh the pros and cons of the asking price. This comparison is, of course, sensible and desirable. However, when are the properties comparable? You are not only buying the apartment, but also the wood pellet storage building and the garage (which are jointly owned). Roughly speaking, the wood pellet storage building and the garage account for a price of approximately €225.00 per square meter. The building was constructed in 2010 and, in my opinion, appears to be in like-new condition. Therefore, the price per square meter for the apartment, excluding the garage and wood pellet storage building, is €2,457.00. Bathroom
_________________. The bathroom is designed as a shower room. In 2021, we had water damage in the bathroom (don't worry, it wasn't a burst pipe, but rather leaks in the grout in the shower area). The shower area was completely retiled (with larger tiles and very elaborate mosaics), but the rest of the bathroom was not, because we had issues with the tile installer.
Contact Information
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My suggestion and request: First, take a look at the Fockbek building complex. I have also provided extensive documentation online so that you can compare, review, and evaluate our commission-free offer with your specific purchasing expectations before scheduling an interior viewing with me. If you wish, I can create a financing plan based on your personal data. If you have any further questions, please do not hesitate to contact me by phone. I thank you in advance for your discretion during the exterior viewing and look forward to meeting you. Should the property not appeal to you – which we would very much regret – we wish you the deserved success in your apartment search and thank you for your interest.
Tel.: 04342/ 7100032
Mail: @web.de / stb.wieser
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!
Send a message directly to the seller
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Offer from: Hans-Joachim Wieser
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