Einem versierten Handwerker wird die Frage: wie viel Eigenleistung ist beim Hausbau realistisch gar nicht erst einfallen, denn für ihn ist es ein Leichtes, selbst Hand anzulegen. Da die meisten Hausbauer jedoch keine Facharbeiter im Bereich Bau sind, sollte die Antwort interessant sein. Eigenleistungen sind dazu gedacht, die finanzielle Belastung des Hauses zu verringern, deshalb wird die Eigenleistung auch als Muskelhypothek bezeichnet. Diese wird von jeder Bank unterschiedlich eingefordert, wenn es um das Baudarlehen geht. Wenn nicht das nötige Eigenkapital zur Verfügung steht, soll der Bauherr einige Arbeiten selbst erledigen, was mitunter einfach, aber oft genug auch fast unmöglich zu sein scheint. Wer überhaupt keine Ahnung vom Elektroleitungen verlegen hat, dem wird diese Einsparung nichts nutzen. Am Ende muss doch ein Fachmann herangezogen werden, dadurch wird es oft noch teurer als gedacht.
Oft genug wird überschätzt
Voller Vorfreude auf das eigene Haus wird so mancher Bauherr freudig zustimmen, wenn es um die Frage der Eigenleistung geht. In Erwartung eines günstig erstellten Hauses meint mancher, eine Menge selbst am Haus erledigen zu können, womit sich schnell unterschätzt wird. Entweder fehlt die Zeit oder schlichtweg das Können, wenn dann ein Profi noch einmal nachbessern muss, ist sowohl die Ersparnis weg wie auch die Zeit. Außerdem sehen viele Bauunternehmen es gar nicht gerne, wenn der Bauherr die eine oder andere Arbeit selbst erledigt, um Geld zu sparen. Um das in Zahlen zu fassen, wurde von Experten eine Rechnung auf dieser Grundlage aufgestellt:
- Ein Einfamilienhaus mit 140 m² Wohnfläche auf 3 Etagen mit Keller
- Baukosten 275.000 Euro
Ergibt bei einer Eigenleistung im Wert von 25.000 Euro:
- 850 Stunden Arbeit an seiner Baustelle
- Entspricht einem halben Jahr Arbeit oder 30 Euro Stundenlohn
Soweit wären die Angaben noch irgendwie verlockend, aber nur, wenn der Bauherr keiner Berufstätigkeit nachgehen würde, wodurch er natürlich erst recht Probleme mit der Finanzierung bekommen könnte. Zusätzlich zur normalen Berufstätigkeit lässt sich also so eine Eigenleistung gar nicht schaffen, vor allem auch, weil dem Bauherrn als Laie die Erfahrung fehlt. In den meisten Fällen fehlt außerdem das Arbeitsgerät und am Ende vom Lied muss nicht nur der Bauherr die Eigenleistung abarbeiten, sondern die ganze Familie und oft auch noch Freunde und Bekannte. Bei diesem Stichwort kommt gleich schon das nächste Risiko zur Sprache, nämlich die Unfallversicherung für Helfer am Bau. Diese kostet umgerechnet pro Stunde Arbeit pro Helfer im Mittel 1,50€, die wiederum auf die Eigenleistung zugerechnet werden müssen.
Wie viel Eigenleistung ist beim Hausbau realistisch und wofür?
Bedenkt man diese Punkte und die damit verbundenen Fakten, lohnt sich eine Eigenleistung wahrscheinlich nur in den Bereichen, die auch üblicherweise von Verbrauchern bei der Wohnungsrenovierung durchgeführt werden. Beim Tapezieren, Boden verlegen oder Anstreichen kann man nicht viel falsch machen oder wenigstens keine Garantieansprüche verlieren. Alles andere hat nicht nur einen starken Belastungsfaktor, sondern vor allem auch Risiken bei der Garantie und Gewährleistung. Neben den versicherungstechnischen Fragen können das große Streitpunkte mit Bauträger und Unternehmen werden.
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