Partial sale provider 2024 – Big house, big apartment, but “little money to live”? This partial sale provider comparison saves you 1-2 hours of searching, calculating and “understanding differences”. Here you will learn about all the major providers, their costs, fees and the test winner. “Wertfaktor”, “Hausanker”, “Engel & Völkers”, “Wertkauf”, “Hausvorsorge”, “Heimkapital” or even “Deutsche Teilkauf” & Co., how do the conditions and subsequent costs(user fee) of the individual providers differ? Here is a look at the most important providers in the market – all important calculators, a comparison of the monthly user fee. The most important companies at a glance.
Here is the overview with test winner! After the list, you will find once again all the detailed calculations for the usage fee and the increase in value.
German part purchase – Best price / performance
Rank 1 by conditions in the 1st step of the partial sale and in the 2nd step of the total sale is currently Deutsche Teilkauf (as of 01/22).
Also with Hausvorsorge you pay monthly + 1 Euro compared to the test winner. In terms of total sales, Hausvorsorge is currently – 15.19% in relation to rank 1 and rank 2.
Usage fee p.a. = 2.90 % = 242 Euro
Increase in value (total sales) = + 26.34
Engels & Völkers
Usage fee p.a. = 2.75 % = 229 Euro
Increase in value (total sale) = + 25.33
German part purchase – test winner
The conditions at a glance (source: Rechner deutsche-teilkauf.de).
Total sale at Deutsche Partial purchase after 15 years, incl. appreciation and fees.
Value in 15 years: 699,128 euros
Residual share: 566,103 euros
Fee: No implementation fee
Second disbursement: 566,103 euros
Value appreciation and fees in %:
Increase in value: 41.53
Fees: 0 %‬
Second payout: 41.53
The total revenue is thus (in 15 years) 566,103 euros.
House anchor
Hausanker belongs to Deutsche Teilkauf. The conditions are almost the same. Only in the usage fee you pay monthly + 1 Euro. The conditions at a glance (source: hausanker.de calculator).
Total sale at value factor after 15 years, including appreciation and fees.
Value in 15 years: 673,000 euros
Residual share: 538,400 euros
Fee: – 21.872 Euro
Second disbursement: 516,528 euros
Value appreciation and fees in %:
Value appreciation: 34.60
Fees: 4.06 %‬
Second payout: 29.13
Attention: Total sale under inflation
The total revenue is thus (in 15 years) 538,368 euros.
House provision
The conditions at a glance (source: Rechner hausvorsorge.com):
User fee: 242 € / month / 2.90 % pa.
Share: 20%
User fee: 242 euros
Usage fee after partial sale in %:
User fee / year = 2,904 Euro
% p.a. = 2.90
Total sales: + 26.34 % increase in value
Total sale at home provision after 15 years, including appreciation and fees.
Value in 15 years: 672,934 euros
Residual share: 538,347 euros
Fee: – 32.974 Euro
Second disbursement: 505,373 euros
Value appreciation and fees in %:
Increase in value: 34.59
Fees: 6.12 %‬
Second payout: 26.34
Attention: Total sale under inflation
The total revenue is thus (in 15 years) 561,813 euros.
Engels & Völkers
Place 5 in the raking of the partial buyers is Engels & Völkers with the following conditions in the overview (source: computer ev-liquidhome.com):
User fee: 229 € / month / 2.75 % pa.
Share: 20%
User fee: 229 Euro
Usage fee after partial sale in %:
User fee / year = 2,748 euros
% p.a. = 2.75
Total sales: + 25.33 % increase in value
Total sale at Engels & Völkers Liquidhome after 15 years, including appreciation and fees.
Value in 15 years: 672,934 euros
Residual share: 538,347 euros
Fee: – 37,011 Euro
Second disbursement: 501,336 euros
Value appreciation and fees in %:
Increase in value: 34.59
Fees: 6.86 %‬
Second payout: 25.33
Attention: Total sale under inflation
The total revenue is thus (in 15 years) 560,086 euros.
Partial purchase makes sense? Partial sale + credit comparison
Partial purchase – Can you sell part of your house? Yes. Sell part of your own property, continue to live in it, it sounds tempting, especially if there is immediate money. The terraced house, single-family house or even the condominium in the apartment building. Surely you have already seen the advertisements of the many part purchase offerers. This purchase offer addresses itself in particular to older real estate owners, who need money, for example for a more pleasant Lebensabend. But, is a partial purchase really sensible? A look at usage costs and a small comparison, what is “cheaper”: Partial purchase or real estate loan?
First, a quick, short definition.
What is meant by partial purchase?
With partial purchase you sell a part of your property to a financial company. In return, you get the purchase price (independent of banks / loans), depending on how much share of your property you want to sell. The financial company then becomes the part owner. This makes you a community of owners consisting of two parties.
Of course, no second person moves into your property; you remain the sole user. However, as the former sole owner, you now pay a fee for the use of the part of the property that no longer belongs to you in full after the partial purchase – comparable to rent. This payment is referred to as “compensation for use” or “usage fee”.
Advantage! Sold fast, paid fast
So “advantage” could be described as:
Financing method independent of banks
Disadvantage? Use in cost comparison
As described in the introduction, the “Partial Purchase” offer is aimed in particular at older property owners.
“Banks give no / few loans to older people”.
Such a common prejudice. That is why advertising with the “partial purchase of your property” currently works so well. However, the subsequent costs are often not taken into account. For example, if you sell 25% of the property and then pay 300 euros a month usage costs, you should definitely compare the amount with a regular real estate loan, more precisely mortgage loan.
Usage fee for partial purchase – disadvantage
Now for the “follow-up costs.”
What is monthly user fee? Many currently advertise it as “easy,” “convenient,” “no bank.” True. But the price is high. First of all, the ongoing costs incurred in the partial purchase to financial companies. The financial company becomes a co-owner. The sold part of the property, will be returned to you.
So you do not give “half” of the garden or part of your rooms: you continue to use your property alone.
For this you pay the “compensation for use”.
Amount of compensation for use
The compensation that the financial company requires for the use of the property is usually:
between 3-5% of the amount paid out
The sum refers to 1 year in each case.
Real estate loan comparison: 2-4% cheaper
How much do you currently pay for a “classic” real estate loan? Due to the low interest rate phase, you currently only pay:
approximately 1% of the disbursed amount
Total purchase price mostly below inflation – disadvantage
If you think carefully about the online calculation of step 2) the total purchase, you will notice that you do not specify any regions(real estate location) of the property. Accordingly, the increase in value is a very rough value. But let’s take this as a basis.
Inflation factor – If you now add inflation as a second factor, which according to the European Central Bank should be at 2% per year, but is currently even at 5% (as of 01/22), then you will see:
The increase in value of only 25%, 30% in 15 years, does not even equal inflation.
/wp-content/uploads/2024/04/lukinski-logo-real-estate-investment-germany-house-villa-off-market-clean.svg00L_kinski/wp-content/uploads/2024/04/lukinski-logo-real-estate-investment-germany-house-villa-off-market-clean.svgL_kinski2021-12-25 11:15:262022-11-01 12:44:07Partial sale providers in comparison! House, apartment, land + partial purchase test winner
