Video summary

🇩🇪 Построили дом в Германии. Коммуналка, кредит и все расходы.

Main summary

Key takeaways

Lifestyle

Summary of the Video (auto-generated subtitles; may include errors)

Denis (41) and his wife Guzel (40) moved to Germany about 10 years ago under the “late resettlers” program. After renting for years, they recently finished and moved into their new dream house on May 31, 2026 (they bought the plot in 2025).

The video focuses on their real monthly home costs in Germany, some construction/exterior updates, travel plans, and a short lifestyle walk.

Where They Live / Property Basics

  • They bought land in a nearby village/suburb area—cozy and close to their previous city, not far away or isolated.
  • Plot size: ~600 m²
  • Total house area: ~140 m²
  • Move-in: May 31 (construction lasted a bit over a year)
  • They explain that many new houses in their area are around 140 m², and they chose that size instead of smaller options (subtitles mention ~110/120 m²).

Heating & Energy Setup

Heating system

  • Air-to-water heat pump (referred to in the subtitles as something like “lyuftvermopomp”)
  • Works together with solar panels

Solar

  • 14 solar panels, total around 6 kW peak
  • They do not yet have a battery (“Speicher”), but plan to install one later.

Hot water

  • Three electric spot water heaters:
    • kitchen
    • guest bathroom
    • upstairs bathroom

Energy sources

  • They state they use only electricity for:
    • heating + lighting
    • hot water (via electric heaters)
  • No gas, oil, wood stove, etc.

Utilities Costs (with solar compensation)

They explain how yearly deposits are recalculated based on actual usage (“annual settlement” / reconciling provider charges vs consumption).

Electricity/heating/hot water deposit package

  • ~121 € / month (monthly deposit)
  • Solar registration/compensation:
    • They’re registered via a provider (subtitles mention something like “Holstein Schlezner”).
    • Example settlement:
      • This month they received ~65 €
      • Their net for the first month was roughly ~55–56 €
    • Next reconciliation (as described):
      • Refund around ~22 €
      • So monthly costs for the whole package may be roughly ~90–100 €

They call this very good for a ~140 m² house with underfloor heating.

Comparison to their old rental apartment

  • Old rental:
    • 82 m²
    • Heating: ~135 €
    • Electricity: ~132 €
    • Hot water: ~132 €
  • Their key takeaway: the all-in energy package seems lower in the new house.

Garbage & Other Home Utilities

  • Garbage collection: ~15 € / month
  • They clarify:
    • Plastic is free
    • Bio-waste and paper collection costs about 120.15 € (subtitles are inconsistent; main takeaway: disposal has multiple separate components/fees)
  • Water: ~27 € / month
  • Flushing/drainage: ~30 € (described as another monthly fee)

Insurance & Taxes

Ground/property tax

  • ~100 € per year, withdrawn quarterly (~25 € / quarter)

Mandatory building/damage insurance (“domangiboy insurance”)

  • 356 € per year (≈ 30 € / month)
  • They chose Ergo because other insurers couldn’t assess risk (the address wasn’t yet in their database due to being a new build/new area).

Loans & Total Monthly Housing Financing

They took loans from two banks:

  • Loan 1: ~1,178 € / month
  • Loan 2: ~538 € / month
  • Total credit repayment: ~1,716 € / month

They later summarize overall totals:

  • Estimated total monthly expenses for the house (credit + utilities/other items):
    • ~1,949 € / month
  • They say this includes their credit plus everything else.

Internet / Phone Experience (practical setup issue)

  • They are waiting for full activation/connection.
  • Tariff:
    • ~39 € for internet only (no landline/TV included)
  • Delays were due to:
    • The developer installing an “ERP” (likely internal infrastructure), but cables/outlets still needed to be properly added for final connection.
  • They say they can’t choose another provider because their area appears to have only one viable operator (subtitles mention something like one “Ambitor/antenna”).

Annual Heating Inspection / Maintenance Fee

  • Annual heating system check:
    • about 330 € per year
  • They say it was offered during installation, and they could compare other companies, but they’re still evaluating.

Year-End Mentality / Debt Perspective

They acknowledge the debt but emphasize:

  • They chose modern housing and accept ongoing payments.
  • They don’t try to “pay off ASAP”—they want to live and relax.
  • Future plan:
    • sell the house later
    • use proceeds to pay down the remaining loan
    • they mention splitting the remaining loan between children/estate

Construction / Exterior Update: Wall + Landscaping + Soil Issue

They show workers installing a boundary wall (“wall between our neighbor and us”).

Boundary wall details

  • Materials described as “Elshtains” (stone blocks/pavers)
  • Approx. block dimensions mentioned:
    • ~220 cm high
    • ~1 meter wide
    • ~15 cm thick
  • Total installed: 25 pieces

After installation

  • They level/finish the area and add sand/cement cushion (and water during leveling, as described).

The soil problem

  • A large amount of soil was piled up during construction (subtitles mention up to ~70 cubic meters earlier; later they refer to remaining earth).
  • Soil removal is complicated in Germany because it requires testing/analysis.
  • Their earlier soil analysis validity expired (~2 months).
  • Removing soil without valid analysis would be more expensive.
  • They estimate soil testing/removal logistics could cost around 800 € (as mentioned).
  • Landscaping plan:
    • they expect to need about ~100 m² of stones for exterior work (carport area mentioned).

Architectural Constraints & Design Choices (comment responses)

Roof type

  • They argue a flat/straight roof is restricted on their property (“Baugebiet” zoning).
  • They say they had to use a pitched roof (or other approved forms) based on local rules.

Building size / green space

  • They claim local zoning rules force them toward larger houses in their area (sometimes referencing preserving enough green space).

Staircase

  • They describe a “winder staircase” (turning staircase) instead of a smaller style that opens immediately to the side.
  • They mention the staircase design affects interior layout and space for furniture.

Lifestyle / Travel Plans

They are leaving for vacation soon.

Planned destinations (as described):

  • Croatia (base in a city name that subtitles may misread as “Apatity”)
  • Visit Venice
  • Stop in Vienna for a few days (to see relatives studying there)
  • They say they will film from the trip.

Travel timing/lifestyle tip:

  • They usually leave at night:
    • sleep after going to bed around 8:00
    • wake around 2:00
    • depart around 3:00
  • They plan a hotel stop in Nuremberg:
    • drive until about the Nuremberg area (~700 km to that point, per subtitles)
  • They intend to arrive around lunchtime after stops.

Short Local Area Walk (Village Atmosphere)

They show the surrounding area:

  • Lavender bushes and a strong fragrance
  • Bees/bumblebees around flowers
  • Plantings including beautiful blue “gateszias” (likely misheard; described as blue flowers)
  • A walk near:
    • farms on one side
    • the village on the other
  • They pass near/around a church with preserved history:
    • subtitles mention a pastor/service period like 1795–1802
  • They also mention nearby school/class activities (a child visiting the commune with classmates).

Notable Locations / Products / Named Entities (as mentioned)

  • Germany (near the sea/coast)
  • Croatia, Venice, Vienna, Nuremberg
  • Solar panels (~14 panels, ~6 kWp total)
  • Air heat pump (“Luftwärmepumpe”)
  • Ergo (insurance company)
  • Holstein Schlezner (solar compensation/registration mentioned)
  • Elshtains / blocks used for the boundary wall
  • Church/pastor timeframe mentioned: 1795–1802

Original video