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Housing. Bleh.

OK, I've been living in Katwijk for quite a number of years now. I still like it, but that doesn't mean I'm not looking around for another place. One for myself. In all honesty I think it'll be at least a year and a half before I have some financial reserves. Hopefully house prices will have dropped somewhat by then (not betting on it). So I stumbled upon a website talking about the starterloan and -grant. Some cities in NL will help a first-time buyer get his house by financing a part of the money with a loan that's free of payments AND intrest for at least 3 years. Trust me, that helps.

And today I found out that nearly every city has one specific condition. You must already be living in the city where you want to buy your house, only THEN can you apply for the starterloan. Great. I can get help buying a house in Katwijk. I don't WANT to keep living here in this sleepy religious fishing village. I much rather want to have a place of my own in a somewhat bigger town that actually has somewhat of a nightlife. Leiden, Alphen, Hilversum, Schiedam, that's the kind of town I'm looking for. Meh.

Comments

( 16 comments — Leave a comment )
hackrabbit
Apr. 17th, 2008 03:40 pm (UTC)
Wait, wait. Hilversum... nightlife? Either you're grossly overestimating Hilversum's nightlife or Katwijk's is really that non-existent. :p
hiryu
Apr. 17th, 2008 06:21 pm (UTC)
Wait, wait. Schiedam... nightlife? Either you're grossly overestimating Schiedam's nightlife or Katwijk's is really that non-existent. :p

rob_d
Apr. 18th, 2008 06:27 am (UTC)
From Schiedam you can at least take the metro into Rotterdam. Katwijk's public transport is non-existent after 10pm.
rob_d
Apr. 18th, 2008 06:26 am (UTC)
With nightlife I mean a cinema, a few places to have a drink. If I want to go to a concert or disco, I have to head for The Big City anyway. Oh, and Katwijk has one billiard-hall, 2 cafe's, a teenagerdisco and a 'drinking barn'.
jonesybunny
Apr. 17th, 2008 04:49 pm (UTC)
How about renting a place in another town? I'd obviously want to come along, if possible, but even so. Buying might seem better.
rob_d
Apr. 18th, 2008 06:30 am (UTC)
As I told you yesterday, no need to worry, I'm not talking about the near future. EVENTUALLY, I want a place of my own, but I don't see that happening within the next year and a half. And I'm not looking forward to moving twice in a short time, so I'd rather skip the starter mortgage.
lasttowin
Apr. 17th, 2008 05:06 pm (UTC)
This a starter home?
Thinking about moving up in property or finding that
long term home?
If long term, are you really going to care about the night-life in 10-15
years or re-sale value?

Edited at 2008-04-17 05:08 pm (UTC)
rob_d
Apr. 18th, 2008 06:34 am (UTC)
Re: This a starter home?
Right now I'm renting, sharing an apartment with two roommates. They're great guys, but still, at some point I want to buy something for myself. A nice apartment that will suit my needs for the next 5-10 years. After that I'll probably be searching for an actual house, who knows? But to me, the surroundings and proximity to a towncenter are also important. I'd rather have a small apartment in a bustling town than a mansion on the prairie.
maartje
Apr. 18th, 2008 11:22 am (UTC)
Re: This a starter home?
Or you could look what renting something in my building costs, for example: http://www.vormvastgoed.nl/?ct=zoeken&mode=details&id=404&nav_active=300

There's also one room apartments, like the one I live in, but I think they'd be too small for you. Still, those cost about as much as a student's room in Leiden, that's why I ended up here.

It's a really nice apartment building, plenty of free parking spots, rather quiet neighbourhood, night bus stops nearby. I bitch and moan about the public transport sometimes but that's because I'm never satisfied, maybe I'm just like my mother (sorry, musical interlude).

And Rotterdam is closer to you-know-who ;)

(No, not me, thanks that you thought of me, I meant damanique ;) )
damanique
Apr. 17th, 2008 05:50 pm (UTC)
What if you rent an anti-squat place, live there, so you can say "Hey, I live in this city!" and then apply for a starter mortgage?

Heh, I suppose the government isn't fooled by that... ;) Plus you would have to move twice in a short time.

Still, like Jones said, maybe it's not a bad idea to find another place to rent in the city you eventually want to buy a house in. Then you could apply for the starter mortgage after a while.

But I don't really know much about this sort of stuff :\

And I selfishly want to say, 'don't move further away from meeeeee', but yeah ;)
rob_d
Apr. 18th, 2008 06:38 am (UTC)
Wow, my post is certainly causing a stirr. I'm not moving yet, but it never hurts to 'know the market'. But I don't want to move now simply to build up for that starter thing. I'd rather stay where I am, then buy something in a year or two. My parents have already promised they'd help out where possible if it ever came to buying property.
caniche
Apr. 17th, 2008 08:47 pm (UTC)
I heard houses in Deventer were super cheap. (dunno what sort of night life there is though heheheh)
rob_d
Apr. 18th, 2008 06:40 am (UTC)
Thanks for the tip, but any place that's closer to the German border than to Amsterdam is not an option for me :P
maartje
Apr. 18th, 2008 01:34 am (UTC)
There are starter's projects in Rotterdam (and apparently, the Hague), the catch is you need to increase the value of the house by doing home-improvement projects. Lot of work, but usually cheap.

http://www.rotterdam.nl/smartsite2127094.dws?Menu=2102719&MainMenu=2102719
http://denhaag.nl/smartsite.html?id=58321
rob_d
Apr. 18th, 2008 06:45 am (UTC)
You're asking me to resort to a year of hard physical labor? What have I done to anger you? :D
maartje
Apr. 18th, 2008 11:07 am (UTC)
Being poor, that's what ;)

If you want to live somewhere that's nice but not too expensive, there's probably going to be work involved anyway. Ask Bander the story of when he was house-hunting (houses with the central heating not yet in place, houses with wood panels that would be a disaster if you took away the panels, and then his current house which seems nice enough, until you look at the way the toilet was installed, not to mention the ever-present cracks in the plaster of the ceiling of the living room. The poor bloke must have spent hours repairing... and I only know about what he did while I was around!)
( 16 comments — Leave a comment )