Private - private shareThe total bill is divided into part private for residential purposes and part energy as commercial. This brings advantages in the affordability of home ownership.As of August 1, 2022, stricter guidelines for home loans apply in the EU: 20% equity required, loan installment may not exceed 40% of income.A conventional house and its occupants are energy consumers. Energy is bought all the time. The monthly burden is then loan rate plus energy costs. The GEMINI next generation house and its occupants, on the other hand, are energy producers. Constantly energy is sold. The monthly charge is loan installment MINUS proceeds from energy sales. To show this crucial difference in a residential loan, the calculation is shown as one part private for residential purposes and one part energy as commercial. How the presentation of the private part to the tax office runs, is then your thing, the thing of your tax advisor. For example, that rooms are declared as office and perhaps the double garage as 40% company share, because you are self-employed and in the garage is their 80% company used car. |