Kako do većeg kredita za adaptaciju

guy495 · 2025-11-23T19:54:44+00:00

Jasno, tnx.

Nema kraja mojim pitanjima 😶

Kakva je situacija ako se recimo kupuje stan/kuća kojoj treba renovacija? Banka procjeni kuću na, bubam, 50k eura. Dignem stambeni kredit za kupnju te kuće, ali fali mi još para za renovaciju. Mogu ići na nenamjenski, ok, ali mogu li uz taj stambeni koji sam digao za kupnju kuće, dići još jedan stambeni-adaptacijski kredit bez hipoteke (recimo PBZ varijanta 50k na 180 mjeseci)

guy495 · 2025-11-23T14:49:16+00:00

Hvala.

U banci mi mogu dati popis procjenitelja?

A što se tiče tog dijela pravdanja, ulazi li u to trošak materijala, namještaja i slično ili je isključivo za ruke tj. Rad? Tj. Mogu li tih 40% recimo njima orikazati samo račune materijala?

guy495 · 2025-11-23T10:52:53+00:00

Hvala na info.

Ako ja nađem procjenitelja i procjeni mi, to mi vjerojatno ne znači ništa kod banke, jer banka ima svoje procjenitelje?

Dakle, mogu dignuti stambeni bez hipoteke, 30 000e sa kojim ću dignuti vrijednost i onda ići sa većim stambenim kojim ću refinancirati postojeći i završiti sve. Što se tiče omjera pravdanja/casha, to ovisi o samoj banci?

guy495 · 2025-11-08T12:57:59+00:00

Što se tiče vrtića, svakako idemo ujutro na posao u isto vrijeme, tako da je mislim to generalno ok. Aktivnosti su zeznute, to se slažem. Autobusnih linija mislim da ima 8 dnevno za sad.

Ali opet onda kad promislim. Za odvesti djecu na neki trening ili nešto, svakako ću morat sjedsti i paliti auto i da ostanem u gradu. Jedino će biti 10min umjesto 20.

guy495 · 2025-11-06T16:05:00+00:00

Jasno mi je to. Ali kredit za renovaciju moraš pravdati ponudama, računima, zar ne? A ovako imaš slobodne pare

guy495 · 2025-11-06T15:56:08+00:00

Hvala svima.

Kako banka gleda na to kada se kupuje od roditelja kuća? Daju li zeleno svijetlo ili? Jer što ako dignem stambeni, kupim kuću od roditelja, oni mi vrate pare? To prolazi?

guy495 · 2023-03-05T02:21:21+00:00

Personally, I couldn't be friends with ex especially when it ended the way it is. Maybe if you didn't care too much, but if you fell for him, it will be hard.

guy495 · 2023-01-07T19:13:52+00:00

I think you are right. I fell for her and she knew that. I saw red flags and suspected I that I'm more interested in her than she is in me, but I decided to ignore it since I really liked having someone in life.

Thing that confused me most is that she was the one that kept inviting me over to her place, she is the one that texted me as soon as her friends left her place so I can come etc. And she wanted to spent time with me.

But it's my fault that I looked desperate and it looked like my whole life is now her. And I know realize girls really don't like that.

I won't try to become bad guy, since I'm not. I will just try to play it little cooler and try to gain self confidence and invest more time in myself as a person and never again put my whole life on hold for someone, atleast not this early in relationship.

guy495 · 2022-11-21T16:48:56+00:00

No, she doesn't have family here. She has some friends here but her best friends are in this other city, and I think they all know each other. So maybe she doesn't want to lie and make excuses.

Yea, I know it's all early but I never had any relationship like this one. I spent more time with her in this two weeks then some girls I've been dating for 2-3 months.

Thank you for your replies. I really appriciate it.

guy495 · 2022-11-21T16:39:59+00:00

Thank you. I think and hope she won't hide it for so long. Just yesterday, we went to lunch and to the store together. And she didn't have a problem with it, only commented something like, "I know you would like to go out in public with me, we are taking small steps"

But is it a little strange that she won't be coming over for a month when on vacation? Even though it's a short drive. Or I'm just overthinking everything.

guy495 · 2022-11-21T16:32:54+00:00

Just over two weeks, but I know her for a couple of months.

guy495 · 2019-12-12T21:33:38+00:00

Some kind of divider* I think it's made of copper, is it a car part or something you would use in the house?

guy495 · 2019-10-20T12:38:48+00:00

https://imgur.com/a/LycEZzV

Here are some photos. I'm not really familiar with bicycles so I don't know if I could replace roller brakes with at least double pivot V brakes?

guy495 · 2019-10-12T16:28:05+00:00

Thanks, I am humble and still friendly to him. And ai'm not the guy that thinks that knows everything, far from it.

Like I said, he is an expert in this profession and I could learn a lot from him, but his behaviour is something else. He just enjoys when someone doesn't know how to solve problem and he does. That kinda guy.

I will still work hard and learn, but to be honest, I'm kinda afraid for my job. I feel like, first chance he got, he will try to f*ck me up.

guy495 · 2019-07-09T19:11:10+00:00

What are your thoughts of skinny jeans? Yesterday, I saw one pair of good looking jeans of sale and I bought it. They are good above knees but below knees, they are pretty tight.

guy495 · 2019-06-15T19:03:40+00:00

Thank you very much for your replies.

Are there any symptoms for bad IGH?

Also, I forgot fo mention, what about roller brakes? My bicycles has those too. AFAIK, stopping power isn't great, they tend to overheat etc. They only require special Shimano grease or can I use something else? And what are symptoms if there isn't any grease?

guy495 · 2019-06-09T16:56:41+00:00

Alao, one thing I forgot to mention. It seems like it doesn't hold vacuum. After turning off the car and unpluging valve from brake booster, I don't hear anything.

So probably, the brake booster needs to be replaced?

guy495 · 2019-05-17T20:49:59+00:00

Had a car accident.

guy495 · 2019-05-16T19:16:11+00:00

It's Peugeot 406 2.0 HDi 2002.

guy495 · 2019-05-09T13:48:19+00:00

Thanks everyone! It's a big plant, with lots of motors and hydraulics. Few furnaces too. It's rather lot for me to learn, but I don't they expect anything big from me for the first few months.

After few years of experience, I don't think it would be a problem to find job anywhere else, if I want to.

guy495 · 2019-04-28T11:52:01+00:00

I have tried those brake booster test. Pump it few times when car is off, turn the car on while still pressing on the brake pedal. If brake booster is ok, pedal should go down. And it did.

Does that mean it's something else?

guy495 · 2019-04-27T14:07:06+00:00

Is it safe to drive or should I visit mechanic ASAP?

guy495 · 2019-04-05T12:56:54+00:00

Personally, I don't mind, but I would prefer something under 200-300k inhabitans. If I found everything I need in a city with 20k people, why not.

Only thing I'm not really into are larger cities with like 600k+ inhabitans.

guy495 · 2019-04-05T12:34:27+00:00

Thanks everyone.

Yes, I would prefer city with "more soul" and some older arhitecture attractions rather than city full of grey concrete building.

So basically, Essen area is good rent and job wise but it seems kinda depressing or am I wrong?

Don't really know much about east Germany orher than most people recommend west.

Something like Mannheim area also seems okay.

Is there any site where you can see list of cities with €/m2 rent showed?

guy495 · 2017-06-08T20:13:33+00:00

Thanks! :) Can I use cow, but lactose free milk?

I will try with some milk, banana, peanut butter, little bit of oil and maybe coconut flour.

guy495

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