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Hallo, schön, dass du hier vorbei schaust. Wir gründen gerade ein Hausprojekt und benötigen dabei Unterstützung.
Wir, das ist ein Zusammenschluss aus momentan knapp 20 großen und kleinen Menschen. Wir sind unter 3 und Mitte 20 bis Anfang 30, studieren und arbeiten in unterschiedlichen Bereichen und sind sozial engagiert. Der Wunsch nach einer gemeinschaftlichen Form des Zusammenlebens, in der wir mehr als bloße Mietparteien im stillen Nebeneinander sein wollen, führt uns zusammen, um gemeinsam ein Haus zu kaufen.
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Neben diesen Ansprüchen verbinden wir mit dem Erwerb eines Hauses das Ziel, dem Trend von steigenden Mieten und der damit verbundenen Ausgrenzung von vielen Menschen in Berlin entgegenzutreten. Indem wir als Gemeinschaft dem Immobilienmarkt ein Haus entziehen, stellen wir ein konstantes Mietniveau sicher und hoffen, somit vielen Menschen in Zusammenarbeit mit dem Mietshäuser Syndikat auch in ferner Zukunft bezahlbaren Wohnraum zugänglich zu machen.
Für die finanzielle Abwicklung des Projekts gründen wir gerade eine GmbH. In dieser werden wir in Form unseres Hausvereins als Gesellschafter_innen vertreten sein, angestrebt wird außerdem eine Beteiligung der Mietshäuser Syndikat GmbH als zweite Gesellschafterin.
Für den Erwerb des Hauses wird ein Bankkredit aufgenommen. Um eine Finanzierungszusage für den Bankkredit zu erhalten, werden voraussichtlich mindestens 20% der Gesamtkosten für das Projekt an Eigenkapital benötigt. Dieses soll zum Großteil in Form von sogenannten Direktkrediten generiert werden. An dieser Stelle kommst du ins Spiel.
Für die Realisierung unseres Projekts suchen wir Kredite ab 500 Euro. Je mehr Kredit du uns gewährst, desto weniger müssen wir bei der Bank aufnehmen. Wir nehmen sowohl einmalige, als auch regelmäßige Kreditzahlungen an.
Wir können Zinssätze zwischen 0,0% und 2% zahlen. Einmal jährlich wird dir auf Anfrage mit dem Kontoauszug ebenfalls der aktuelle Stand deiner Zinseinnahmen mitgeteilt. Der soziale Charakter unseres Projekts schließt hohe Zinsen aus. Niedrige Zinsen bedeuten niedrigere Mieten und schnellere Tilgung der Kredite.
Wie lange du uns dein Geld zur Verfügung stellst, entscheidest du selbst. Kredite mit langen Laufzeiten sind besonders hilfreich, weil sie hohe Planungssicherheit und niedrige Verwaltungskosten mit sich bringen. Befristete Kredite enden automatisch nach der vereinbarten Zeit, wenn sie nicht verlängert werden. Alternativ dazu bieten wir unbefristete Kreditverträge mit einer festen Kündigungsfrist von mindestens drei Monaten an.
Schön, dass du dir die Zeit genommen hast, dich über das Projekt zu informieren! Gerne beantworten ich dir weitere Fragen auch persönlich.
Wenn du erwägst uns mit einem Direktkredit zu unterstützen, dann setz dich mit mir in Kontakt, z.B. per Mail an direktkredite@acidblog.de, damit ich dir weitere Infomaterialien, sowie die Direktkreditverträge zukommen lassen kann.
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