Comparison: Owner-occupied property vs capital investment

Quick, clear, the differences between the two forms:

Purpose of the property: Fact #1

What does self-interest mean?

A property is bought and used for your own living requirements. The focus here is on personal living comfort – simply put: you buy your dream home

What does investment mean?

A property is acquired in order to generate income. This can be done by renting it out or selling it later. The focus is on financial returns – simply put: you are buying a money-making machine

Extra tip – The two can also be combined to a certain extent. You buy a house or buy an apartment, live in it for 3 years and can then sell it tax-free(speculation period). Let’s say you buy in an A-location in Berlin, then property prices usually rise by ~8% per year. Calculate 3 years and you will see that this profit alone is considerable.

The differences get bigger step by step:

Financing: Equity & credit

Owner-occupation: Financing is usually provided via a real estate loan or the buyer’s equity.

Capital investment: Financing is often provided by borrowed capital, such as mortgages. The aim here is also to leverage borrowed capital. Proper financing needs to be planned, read more about financial planning before buying here.

Extra tip – In principle, both forms are the same, the only differences are state subsidies and taxes, more on this in a moment. In the case of personal use, however, banks may see a greater risk in the credit check. Why? Let’s say you have 2 incomes and 1 house. Someone falls ill, loses their job, the loan installment defaults.

Why do investors like to borrow?

The explanation would be long, in a nutshell: there are many aspects. Firstly, you don’t want to spend your equity on a property. With the leverage effect of financing (20% equity [or less] + 80% debt), you can “afford much more”. A loan is now taken out, including the loan installment, i.e. the monthly repayment. Inflation ensures that money becomes worth less. The loan installment therefore becomes “cheaper” and “cheaper”. Learn more here:

• Real estate as a capital investment

Useful life: For the sake of completeness

Owner-occupation: Owners plan for the long term and intend to live in the property themselves.

Capital investment: The focus is on short or long-term income, whether through rental income or sale. Also important for you: the speculation period. Want to quickly calculate whether you can already sell tax-free? Use our speculation period calculator.

Now we come to one of the main differences.

Tax aspects: Tax advantages for landlords

Owner-occupation: Under certain conditions, tax benefits such as homeowner’s allowance or tax exemption on sale (after owner-occupation) can be claimed.

Capital investment: Rental income is taxable, but tax benefits such as depreciation and income-related expenses can also be claimed.

What tax benefits do owner-occupiers / investors enjoy?

Extra tip – Quickly explained, only 2 examples each:

Owner-occupiers receive homeowner’s allowance: Under certain conditions, owner-occupiers can receive homeowner’s allowance for the construction or purchase of owner-occupied property in order to facilitate their financing. This brings us back to the speculation period, which is of course also important for owner-occupiers when selling.

Tax exemption on sale: If you sell your owner-occupied property after a certain holding period, the profits made may be tax-free under certain conditions. However, this does not apply if you sell your home within ten years of buying it.

Capital investors can claim depreciation: Capital investors can claim depreciation on their rented property. This means that they can deduct certain costs such as building depreciation and financing costs, which reduces their tax burden.

Income-related expenses: All expenses incurred by renting, such as repairs, management costs and insurance, can be deducted as income-related expenses to reduce taxable income.

More about taxes & real estate:

• Tax advantages for investors

Maintenance and administration

Owner-occupation: The owner is responsible for the maintenance and management of the property.

Capital investment: Management and maintenance can be transferred to third parties, such as property management companies.

Extra tip – What should you expect? I recommend 2% of the purchase price per year. I also have a small calculator for the maintenance reserve here. PS: Of course you can pass on operating costs to tenants.

Expected return: earn money, don’t spend it

Owner-occupation: The main motivation is the personal quality of living, the return on investment is secondary.

Capital investment: The focus is on returns, and investors expect to generate income from their property. Again, because it is very important for investors:

“The focus is on returns, and investors expect to generate income from their property.”

The choice between owner-occupation and investment depends on your individual financial goals, circumstances and preferences. Both approaches have advantages and disadvantages, and the decision should be made carefully.

Learning from real estate experts?

Short and sweet, my recommendation:

• Real estate coaching

Search engine optimization for brokers

Traffic means reach, i.e. visitors who are on your website. SEO Tip from professionals, for professionals! First, let’s start with the definition of search engine optimization.

What does SEO mean? 5 Basics

Search engine optimization (SEO) includes all measures that serve to increase the visibility of one of your website in search engines (such as Google, Bing & Co.). These are:

1. Page structure and keywords
2. Page content with structure, keywords, text length and links
3. Visualizing (photo) and explaining media (infographic, explanatory video, etc.)
4. Internal links (increases page dwell time)
5. External links (increases page relevance)

Goals in SEO: High placement in search results

There are two crucial aspects for you:

1. If someone is looking for you, you should “be there” – just learned already
2. When someone searches for topics relevant to you, you should “be there”

There will be to the 1) search queries that revolve around you. Typical are

• “Sample broker city” – General search
• “Sample Broker Reviews”
• “Sample Broker Valuation”
• “Sample Broker Experience”
• “Sample Broker Experience”
• “Sample broker reputable”
• “Sample broker unserious”
• …

Now, if you do not have your own website, you will not have any influence on the search results. If you have too small a web page, for example, only home page, About us and Contact, it also happens that others (competitors) appear before you. Or even portals like Gutefrage.net, where someone has asked this question about your name.

The stronger your page, the more present (visible) you are

There are millions of searches in Germany every day, just for the context “real estate”. Sell, rent, manage, buy, finance, … that’s why you should 2) “be there” when someone searches for topics relevant to you.

You will now learn the basis for this: the structure.

No matter where and when someone searches for you, they have the “sovereignty” on the first page (to be seen right away in example graphic).

SEO Advantages: More visitors, new customers

• Here you also achieve the acquisition of new customers via search engines
• More visitors on the website
• Additional sales channel
• Targeted marketing activity (through search terms / active “demand”)
• Once set up, you get “free” visitors, every day

SEO Disadvantages: Long-term and initial costs without ROI

• Long-term build-up necessary, especially in the real estate sector (high competition)
• Build up time: At least 1 year
• ROI (return of invest) will be achieved late (comparison: SEA quasi immediately)
• Costs for content creation and website

SEO, SEA, what’s the difference?

SEO deals with your website, its content and structure. SEA (search engine advertising) on the other hand, is a “direct” placement in search engines through paid advertisements. These ads are displayed above the organic search results (SEO).

Real Estate SEO for Beginners: How it works

Simply put:

• Creating a website for desktop / mobile devices
• Plan topics (keywords) in a structured way
• Create individual pages (company pages and blog posts)
• Each blog post has 300 – 1,000 words, links to other posts
• Goal: Good quality and more content than the direct competition

By individual topics / keywords:

• House for sale Berlin
• Sell house after inheritance Berlin
• Sell house after divorce Berlin
• …

your “platform” becomes strong. Your subtopics (such as house selling divorce Berlin) thereby link to the parent page (house selling Berlin).

As a result, the visitors you have collected in the search engines will stay longer and longer on your website.

Why SEO! Advantages for real estate agents

Advantages of SEO – When person X learns about you as a realtor, through recommendation, advertising, by chance, person X will in almost all cases search for you as a realtor. Mostly in search engines, mostly on Google. There are 10 places in the search results (away from advertising), the more channels you serve, the more you determine the information that is here.

In short:

• 85% search for information first on search engines
• Page 1 has 10 results (away from advertising > SEA)
• No digital media = No influence

SEO offers the ultimate advantage:

• Once on page 1, it will be hard to oust you (sustainable)
• Users have a need, they already want something
• You give users “something” for free, without anything in return (positive image)
• Users recommend your good content
• SEO works for you 24 hours a day, 7 days a week
• You passively (after work) collect new leads

Disadvantages of SEO: You have to be that honest

SEO is long-term marketing, you will achieve results (visitors) only after weeks and months, depending on how hard you work on it and how high the competition is (C-location easy, A-location hard).

• Long-term online marketing
• Results by weeks, months
• Time intensive (article creation)

For this, your search engine rankings are very sustainable and often stay for years once you have made it. Because, the competition must first become better than you. Compared to advertising in search engines, you do not pay for each click (about 4 – 16 euros / click in the real estate segment).

Checklist! The 3 SEO basics for brokers + example

To be visible (as seen in the example in a moment) you basically need only 3 things:

1. Google Business Entry
2. Website
3. Social media channel, example Facebook, Instagram and LinkedIn

… you have already taken a certain part of the first page. Here you can see how effective the mix of these 3 components is, for all those who are looking for you.

1. Internet site in the first place of the search results
2. Google Business Entry
3. Own photos, direct, visual understanding
4. Map and directions
5. Address, contact details and opening hours
6. Social media (Facebook)
7. Reviews on the web (Facebook)

Almost all roads, lead to the broker (not third parties or even competitors).

How does SEO work, so right?

Let’s get back to your brokerage website and the question: How does SEO work, so right?

Create theme construction: “Keywords” – What do you want?

You build individual blog posts for individual so-called keywords. For example, one keyword could be “renting”, another “renting tips”, yet another “renting process” and yet another “first renting”. Depending on what users are looking for in a search engine, you have the right content for it.

Here again the example of the introduction for our real estate agent in Berlin, with the focus object acquisition:

• House for sale Berlin
• Sell house after inheritance Berlin
• Sell house after divorce Berlin
• …

Create SEO texts: 1-2-3 formula – checklist

On the Internet you will find thousands of guidebooks that will tell you a lot about SEO, in principle, means good optimization.

The little 1-2-3 formula:

1. Create individual pages (company pages and blog posts)
2. Each blog post has 300 – 1,000 words
3. Articles link to other posts (Sale > Divorce > Separation year and back).

The most important, most important (!) in SEO – added value

Now the most important thing:

Importantly, these articles should contain added value!

Therefore directly tip 2:

It’s not about creating 1,000 articles, better are 50, 100 focused (topic) and dotted (region)

Added value means that your visitors take something with them, ideally stay on your website for a long time and thus increase the value of your website (domain value). This way you get more and more visitors, thus also new customers.

2 SEO example for object acquisition

Are you looking for existing properties in your region (real estate acquisition)? Help sellers with problems, landlords, heirs. Almost everyone will want to sell sooner or later.

The first SEO text

You now know the process you need to follow to advance your website. SEO is long-term marketing, you will achieve results (visitors) only after weeks and months, depending on how hard you work on it and how high the competition is (C-location easy, A-location hard).

SEO summarized

SEO means quickly explained

• Structure – contents and texts
• Added value – texts must “give something” to readers
• Links – Links provide further information
• Goal – Good content ensures high placement in search results

Agencies like Model Agency One offer holistic online marketing solutions for maximum visibility.

Crowdinvesting: explanation, advantages and disadvantages

Too little equity, too little time, no problem! Crowdinvesting in real estate allows you to invest with smallest amounts. My recommendation for small investments starting at 500 euros are providers like Exporo and InRento.

Let’s start with basics:

What is crowdinvesting?

First of all, what is crowdinvesting?

A very simple comparison would be “a corporation“. The company sells various shares to individuals and institutions. Thus, many “participate” in a company and give it the necessary financing for growth. It works the same way with crowdinvesting in real estate.

Instead of one large investor, shares are spread to many “small” investors. This allows people to invest in real estate who either do not have the necessary credit rating, not enough equity or both. There are several providers for this, such as Bergfürst, Engel & Völkers, Exporo or also InRento, which you will also find in a list later.

More and more want to participate in the real estate market. Also Haufe reports this month“The swarm flies on real estate“, let’s look at the advantages and disadvantages.

Advantages of real estate crowdinvesting

As already learned in the introduction, you as an investor have some advantages, such as the low equity, the various properties as investment options, risk minimization through capital diversification, but also an extensive participation (fixed interest rate, profit-related distribution and participation upon sale).

• Little equity – start from 50 – 100 Euro
• Once registered, various investment options
• Transparency – contact with construction companies possible (information)
• Risk minimization – capital spread over several projects

Compensation and Disbursements:

• Fixed interest rate
• Profit-related distribution
• Participation in the exit case (sale of the property)

Disadvantages and risks for investors

As always, there are advantages, but also disadvantages that you should consider. Here also a more detailed article in Capital“Risky game“. After that you will know all the disadvantages and risks in detail.

• No right of co-determination (participatory loan)
• Capital commitment over a long period 5+ years
• Total loss when projects fail
• Too much participation – loss of overview

How does crowdinvesting in real estate work?

In the vast majority of cases, a property is to be developed (renovated or completely rebuilt).

With regular real estate investment, one would now specifically look for a partner for financing. With crowdinvestment, however, owners talk to the crowdinvestment platforms, which in turn take care of the distribution of the shares. Online platforms then broker real estate shares to investors.

This crowdinvestment platform then takes over the entire presentation to the individual investors and the owners can take care of their core business, construction and development. So with crowdinvesting, you don’t give a “typical” loan to the respective developer, you participate in the property with a participatory loan. This also means you have no say in the matter.

Participation in the real estate does not mean, of course, that you can move in tomorrow and take 0.5 square meters. The real estate will be managed afterwards, you are only a capital investor. From this you achieve a return in the form of the fixed interest rate and the profit-dependent distribution.

Once again the remuneration and payment:

• Fixed interest rate
• Profit-related distribution
• Participation in the exit case (sale of the property)

So a few euros become more and more.

Crowdinvestment provider

Which crowdfunding platform is the best? Where can you invest? There are various, reputable providers for crowdinvesting. Here is a small market overview. The minimum investments differ, depending on the projects on the platforms.

As a rule, the minimum deposits are between 100 and 1,000 euros.

List of providers:

• Bergfürst
• Crowdinvest real estate
• Scroogeinvest
• Engel & Völkers Digital Invest
• Exporo
• Immofunding
• InRento
• Linus
• Rendity
• Savings Bank
• Interest module

What makes real estate so attractive as an investment?

Does real estate investment make sense?

There is a second advantage from crowdinvesting, for you personally!

With every new real estate listing and offer, you get to know the real estate market and learn to evaluate properties accordingly. Be sure to read my article on calculating rental yields here, as this will allow you to calculate the attractiveness of real estate investments in advance.

Real estate is extremely interesting as a capital investment, due to many aspects. A very important reason for real estate as a capital investment, especially with regard to one’s own retirement provision, real estate is not subject to inflation. The material value of a property protects it from the devaluation of money. Looking at the inflation table and the development in the next 25 – 30 years shows that real estate has many advantages, especially compared to financial investments such as savings accounts or Riester pensions for retirement.

Inflation and demonetization: effects

Example: In 30 years, inflation will have risen to the point where the purchasing power of 1,000 euros will be minimized to only 600 euros. In other words, if you spend 1,000 euros in 30 years, you will only receive goods worth 600 euros today. So (circa) 40% less, after inflation.

• 1,000 euros in the savings book in 30 years = 600 euros real value

Now we come directly back to the advantage of a property as an investment. This is rented out. Accordingly, the tenant pays an equivalent value (rent) for the monthly use of the tangible asset (real estate). If money is worth 40% less, your tenant has to pay 40% more rent. Accordingly, the rental income increases from 1,000 euros to 1,400 euros. So (circa) 40% more, after inflation, respectively no real value loss.

• 1.000 Euro rent in 30 years = No loss (1.400 Euro)

So if you had invested your money in a financial product, let’s take the classic savings book, you would have had a real loss of 40%.

When you invest your money in real estate, you are protected from the effects of inflation. Even better, you additionally benefit from the increase in value of the property. Germany is a booming real estate market, not only in recent years, also when looking at the last decades.

The population is growing, housing is scarce.

This way you additionally profit from the rent increases.

No fluctuation like shares & Co.

Real estate also has the advantage that it is hardly subject to fluctuations. If you actively trade currency, invest in stocks or buy cryptocurrency, for example, you will experience constant fluctuations in prices. Depending on the type of investment, currency, stock or crypto, more or less. Leases are long-term, rent is transferred monthly and the amount remains the same, tends to even increase due to rent adjustment.

• Real estate is stable in value
• Real estate offers inflation protection
• Real estate values do not fluctuate (like stocks, cryptocurrencies, and other financial products)

Major construction site in Stuttgart, profit, thanks to crowdinvesting.

Equity: Entry into real estate investment

The biggest sticking point for most is equity.

Especially when it is no longer about condominiums worth 100,000 euros (15,000 euros equity), but about investments in large cities with apartment prices of 400,000 euros, 500,000 euros and more. For a property with a purchase price of 500,000 euros (including ancillary costs), you would have to have 75,000 euros of equity ready.

Equity share in the purchase of real estate: security of the bank

First, let’s ask the question:

How much equity do you need for a regular property?

The answer differs, especially according to the real estate location. A condominium in Munich, unaffordable for most, even in the wider Speckgürtel around Nuremberg, Freiburg.

It is no different in the other major cities, Berlin, Hamburg, Düsseldorf or Frankfurt. So the purchase price of a property varies extremely, between 50,000 euros (in C-location) and 400,000 (in B-location). Of course, more if we talk about very good micro-location within the A-locations. e.g. Munich-Mitte, Berlin-Mitte, Hamburg-Mitte, Düsseldorf-Mitte and so on.

Calculate equity ratio: Here’s how

Whether 50,000 euros or 100,000 euros, the bank requires for the financing of a property, usually 15% equity. Especially if it is your first property.

In addition to the purchase price of the property, there are also the ancillary purchase costs. Depending on the federal state, including land transfer tax, notary costs and land registry entry, the total is approximately 7% to 10% extra.

Service charges idR. 7% – 10% yes according to federal state + broker (if involved)

The fluctuation comes on the one hand from the land transfer tax, which differs in each state. On the other hand, the question, was a broker commissioned? Here, too, the brokerage costs differ depending on the federal state. In the case of a private purchase, the buyer and seller must each share 50% of the brokerage costs. Ultimately, this results in the total purchase price of the property, including ancillary purchase costs.

This is how you calculate the equity ratio:

• Financing request: 100.000 Euro
  (purchase price plus ancillary costs)
• Equity: 15.000 Euro
• Loan from the bank: 85,000 euros

Purchase price calculation with additional costs:

• Purchase price: 100.000 Euro
• Real estate transfer tax example NRW (6.5%): 6,500 euros
• Notary fees (1.5%): 1,500 euros
• Land register entry (0.5%): 500 euros
• Brokerage commission (3.57% [3,570 / 2]): 1,785 euros

Credit rating for financing: crowdinvesting as an alternative

Not everyone has the necessary credit rating for such a large financing. Even if the equity would be available. e.g. because regular income counts (self-employed). Even more, however, do not even have the necessary equity available. For those who do not want to wait, there is a great alternative, even to invest in real estate as an investment.

Many reasons that speak for real estate as an investment and if the equity is not yet enough, for crowdinvesting in real estate.

Residential neighborhood with many condominiums (new construction):

Find profitable real estate

Crowdinvestment does not take away from you the decision in which property you invest. Therefore, here again the question opened:

How to find profitable real estate?

You still have to decide for yourself in which property you want to invest your money. Perhaps you already know my detailed guide on the subject of buying your first property? Here you will learn about the different types of real estate, the difference between yield real estate and investment real estate but also (very important) the real estate yield.

The real estate yield is a simple calculation once you know and understand it. It looks at the investment amount (purchase price and incidental purchase costs) and the monthly income (rental income). The result is a percentage.

If this is above 6%, all costs are usually covered by the repayment of the financing, interest and reserves for maintenance. Any return above 6% means additional wealth accumulation for you. Accordingly, the real estate yield is an extremely important factor for real estate investors. Because with this single key figure, you can evaluate the attractiveness of a real estate investment, but also compare different investment properties with each other.

Let’s first look at the simple formula of rental yield:

Annual net income / investment * 100 = rental yield

The rental yield is subdivided once again into the net rental yield and gross rental yield. Where is the difference?

• Net rental return = incl. incidental purchase costs
• Gross rental yield = excl. incidental purchase costs

With this knowledge, you can act much better as an investor and thus find really profitable properties for your investment.

Once you have registered in a crowdinvestment platforms, browse through the individual investment properties and compare them based on the return. Of course, you won’t get 100% of the rental payments, but you will see the yield on all platforms. Now you know what it’s all about!

Earn rental income today with investments starting at 500 euros. My recommendation:

• InRento

“Selling half of the house”

Many ask the question, can I sell half of my house and still be the sole occupant? The simple answer is: Yes!

At the latest when the children are out of the house, sometimes also the partner, one’s own house quickly becomes large, sometimes too large. You don’t want to separate, but you still need money quickly. The solution for many: The partial sale.

In this guide you will learn everything important for the first step in the partial sale.

• What is partial sale?
• How much do I get for my house?
• What are the follow-up costs?
• Can I also sell everything later?
• …

Partial sale house: what is it?

First, let’s start with the definition of the partial sale of a house.

What does partial sale of the house mean?

As already described in the article on the partial sale provider comparison, you sell a part of your house to a financial company. In return, you get the pro rata purchase price quickly transferred, regardless of banks / loans.

This makes you a community of owners consisting of two parties.

Sell 10%, 20%, 50% from the house

The different sellers buy house shares between 20% – 50%. For higher property values (7-digit) sometimes only 10% of the house can be sold.

• Up to 1 million house value = 10-50%.
• Over 1 million house value = 10-50%.

Optionally, you can also directly plan the total sale in X years. More about this later.

User fee = rent for your house

After partial sale = you have to pay usage fee

The finance company becomes a part owner. In return, you pay a monthly usage fee, “rent” so to speak, for the part of your house that you have sold. Depending on the provider, this usage fee is approximately ~ 3% p.a. (per year). A simple, quick calculation of the user fee.

• User fee (house): 3% p.a.

Formula usage fee (depending on the provider) per month:

• Monthly usage fee = 3% * purchase price (share) / 12
• = 3% * 100.000 / 12

With this you pay 250 euros per month.

User fee at 100.000 Euro = 250 Euro / month

As always, depending on the provider. All providers can be found here in the part purchase house: comparison.

This is how the financial company refinances itself.

Disadvantage? User fee vs. real estate loan

Easy and fast money for your own house, this is a really tempting offer. That’s why you should take a second look at the various partial purchase offers for houses. Why?

Those who resort to the simple offer, quickly get money. For this, pay the monthly user fee from now on. Many use the offer, because you think, I do not get a real estate loan. But they are much cheaper! Currently you pay here only 1% p.a., instead of 3% or more, as with the partial purchase.

Comparison partial purchase / real estate loan:

• Partial sale / month = 250 euros
• Mortgage loan / month = 85 euros

So remember, simply put:

Real estate loan 66% cheaper!

So it’s worth talking to your local bank and maybe 2 or 3 alternatives.

Do you have to pay taxes on the partial sale?

For the direct sale of a property you only have to consider one tax, the speculation tax. Generally speaking, speculation tax is incurred when you buy and resell a property within 10 years. Accordingly, the time at which your property is resold is important, even if it is a partial sale.

• Speculation tax

Partial sale of real estate: advantages, disadvantages, tax & Co.

Read more about partial sale here – A look at costs of use, advantages, disadvantages, the total sale, the calculated increase in value under inflation and a comparison, what is “cheaper”: partial purchase or the alternative real estate loan, more specifically the mortgage loan? In addition taxes, sale from community of heirs, divorce and much more. My recommendations for sellers!

• Partial sale property
• Partial sale provider comparison

Hotspot in Europe: Fantastic weather + villas

Many call Marbella the Miami of Europe. Constantly good climate, many sunny days, little rain and even in winter, it is still pleasant 11 to 17 degrees. Best location, best weather, the reason why Marbella has become one of the hotspots in Europe, next to Mallorca, Ibiza or Mykonos (Greece).

• Villa Tour Marbella – FIV Magazine

Golf Players – Marbella is called the “Miami of Europe” because of its many golf courses. There is no other place in Europe where you can find so many first class golf courses. There are over 100 within an hour of Marbella, which is why so many golf lovers flock to the city and the coast.

Málaga airport to Marbella: 40 minutes

Business travel – It is also not far to the airport. From the city centre of Marbella to the airport in Malaga it is only a 40 minute drive by car. Accordingly, you can be in most European capitals within three to four hours.

Are you interested in properties & villas in Marbella? Maybe this is the right time to find your exclusive finca in Marbella!

In the new issue of Real Estate Magazine, I take you through 5 highlights in the city that I just added to my portfolio.

7 days Marbella

16 Real estate inspection

5 selected, exclusive objects

Continue reading here, in FIV Magazine: Villa Tour Marbella.

Location: Marbella in Europe

If you don’t know Marbella yet, here is another view of the city from the European perspective.

Marbella in Europe

Marbella itself is, as described, one of the southernmost points of mainland Europe. Only a few kilometres further lies the Strait of Gibraltar. From there, it is only a stone’s throw to the African coast. In good, clear weather (most of the time), you can even see the African coast from the beach.

Marbella City: Map

Here you can see Marbella city once again. It stretches along the coastline.

Real estate in Marbella: Example Villas

Here I want to introduce you to 2 more exclusive properties in Marbella. One villa designed by the builder himself for 4.4 million euros and a second, my current favorite, with day house, night house and waterfall for 2.95 million euros.

Ultra Modern with waterfall for 2.95 million

I may present you today this exclusive villa! This villa is something very special, it is not just “only” built, it is planned, thought out! A house for the day, a house for the night, an inviting, large swimming pool and its own, 10 meter waterfall. What more could you want? Today I take you to one of the most exclusive villas in Marbella City, with 1,320 m² at a price of almost 3 million euros. Welcome to Marbella!

• Villa for 2.95 Mio.

Designer villa near “Golden Mile” for 4.4 million

Welcome to this 4.4 million villa in Marbella! 1,530 m² of land, 767 m² of living space, today I take you to Marbella, one of the hotspots in Europe next to Mykonos (Greece), Mallorca and Ibiza. This villa is in the middle of the city of Marbella, in the most exclusive location overlooking the Mediterranean Sea. Click here to get to the villa, in Lukinski Home: 4.4m Villa Marbella.

• Villa for 4.4 Mio.