Plan Your First Own Flat

This workflow guides you through the following steps:

1. 1. Can I afford the flat? Enter income, warm rent and floor area. The calculator shows whether the rent is in a healthy ratio to your net income.
2. 2. What does the flat really cost? Electricity, internet, broadcast fee, water and insurance come on top of the rent. Check the total per month.
3. 3. Plan housing into your budget Plan your monthly income and expenses so housing costs fit your everyday life.
4. 4. Prepare your starter equipment From bed to kitchen to cleaning supplies: find out what you really need and estimate one-off costs.
5. 5. Calculate moving costs Van, moving helpers, boxes: plan what the move itself costs.
6. 6. Sort out your insurances Check which insurances you really need as a first-time renter - liability as a base, contents as needed.
7. 7. Record inventory & value List your items with new value. This helps you choose the right contents-insurance sum.
8. 8. Document the handover A handover report per room with photos protects your deposit on move-in and move-out.
9. 9. Build your emergency fund A financial cushion for unexpected costs is part of having your own flat. Plan your emergency fund.

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