Important criteria for the sale of a house

A successful house sale depends on various criteria, which can be very different for each individual. A very well equipped house, which is offered virtually turnkey, can sell worse than a property in need of renovation, which convinces with a very beautiful property or a particularly favorable price. When selling a house and property, supply and demand always count.

The exposé is a way to present the advantages, but also necessary investment. When preparing it, we do not limit ourselves to describing the size of the house and garden. We give the prospective buyers information about the outside facilities, the condition of the roof, heating and interior fittings, but also about the residential health and the possibilities of planning and financing. If you put your property up for sale to us, we will be happy to see it for ourselves on site. The impression we get of the property is an important basis for the preparation of a transparent exposé.

Worth knowing from A for outdoor facilities to W for healthy living

If you are considering selling your property, there are a few aspects that are important to consider.

Outdoor facilities: What you need to consider for the front garden, terrace and garden

Many buyers who want to purchase a house with land attach importance to a beautiful design of the outdoor facilities. If you offer a property for sale with attractive outdoor facilities, interested parties can be found quickly. If you decide to leave the house sale to a professional partner, you will save a lot of time. You don’t have to worry about contacting potential buyers and you can go about your work and everyday life. Read more on the subject of outdoor facilities.

Building materials: concrete, wood, stone, glass and plastics

Building materials are indispensable for the new construction of a house, but also for the renovation. Materials such as wood, stone and concrete are predominantly used. But plasterboard, glass and various plastics are also used. Building owners can influence the type of building materials. Basically, it is important that you pay attention to high quality. It does not matter whether you are overseeing the construction of a new house or have decided to renovate an existing building.

The building materials used are usually used for decades. They are exposed to very high stresses both outdoors and indoors. When using building materials that have qualitative limitations, minor renovations are often necessary at short intervals. You can prevent this by selecting high-quality building materials. Further information on the subject of building materials can be found here.

Roof: planning, construction and renovation of roof trusses & roof coverings

Modern roofs can have different shapes. For centuries, the classic gable roof was the most common roof shape in Germany. It was often modified into a hipped roof and equipped with dormers to make effective use of the space under the roof slopes. Tent roofs are used in the new city villas with two-storey construction. As part of a renovation, the shape of the roof can only be changed slightly. If you plan to do this, you will have to fundamentally redesign the house.

Roofing, on the other hand, is often the subject of renovation. Tiles are used, which are available in different colours, shapes and design variants. A new roof covering often goes hand in hand with a renovation of the roof structure. If the construction is fundamentally new and of high quality, a roof can last at least 50 years without the need for a new renovation. Learn more about the roof.

Do it yourself: New construction & renovation on your own

The term “Do it yourself” refers to the owner’s own contribution. When constructing a new building, but also when renovating a building, the builder decides whether he wants to do it himself or whether he prefers the turnkey construction method. There are advantages when a specialist company provides the services. As the building owner, you accompany the progress. However, you can primarily take care of your work and leisure activities. The amount of time you invest in construction is significantly less than if you opt for the do-it-yourself strategy. Discover more exciting information on do it yourself in relation to selling a house.

Energy and technology: Energy efficiency in technical installations & security systems

Many value-enhancing components of a house fall into the area of energy and technology. If you wish to sell your property without stress, we offer you our individual services as real estate agents for Rhineland-Palatinate and Hesse. This also includes the preparation of an exposé. This serves to describe your property to all interested parties who respond to the advertisement. The investments from the area of energy and technology are listed in the offer for your property on MeinHausverkauf.de. Read more about energy and technology.

Garage and carport: architecture, weather resistance, differences

A garage or carport for one or two cars is very popular with homeowners. An expose with a carport or garage is more popular with potential buyers than having the vehicle parked on the street or unprotected in front of the house. Installing a carport or garage not only provides greater convenience when using one’s home. These additions also have a positive effect on resale value. Opt for a more relaxed. Feel free to read on if you are interested in garage and carport.

Interior fittings for new buildings and renovations

The interior finishing of the house includes the design of the walls, ceilings and floors. In addition, the installation of the electrical systems, the heating and the water circuit takes place. Stairs and doors are installed and fixed fixtures are integrated in the kitchen and bathroom. When building a house, the interior finishing takes about the same time as the construction of the building until the topping-out ceremony.

The interior can be designed very individually by the builder. Not only in the case of a new building, but also in the context of a renovation, a new planning of the interior is possible. If an extensive renovation with a change in the internal structure of the house is planned, the house should be empty for the period of the construction work. Otherwise the renovation will be difficult. Here you will find further information on the subject of interior fittings.

Cellar of the house: finishing or storage room

A cellar can be used in many different ways. It can be converted into a living space, guest room or office, or used as a storage room. If the cellar has access to the outside, bicycles or garden tools can be stored in the rooms. Basement rooms must be planned for when building a new house. The costs are high. They run into five figures depending on the size of the basement. A basement can be installed at ground level or partially raised out of the ground. Both construction methods have advantages and disadvantages. Read more about basements.

Planning and financing: Real costs & favourable credits

In most cases, the purchase of a property is accompanied by financing. Very few property buyers are in a position to pay cash for their property. Financing for a property usually extends over a period of ten to 30 years. Careful planning is therefore very important. A stable income is one of the essential requirements for secure financing. The income should be secured for the financing period.

You need to take into account changes in life plans as well as the possibility of a loss of earnings due to illness or unemployment. Young couples may want to have children, which also affects income. Everything you need to know about planning and financing.

Dream houses: individual and indescribably beautiful

The concept of a dream home is defined very differently by a future homeowner. There are builders who understand behind it a luxuriously equipped house with a small low-maintenance garden in a central location. Others wish themselves a house in calm situation and take for it gladly a longer journey to the work or into the next city in purchase. In general, the term refers to a modern house that offers many amenities. Feel free to read on if you too are considering the topic of dream homes.

Healthy living at the heart of building modern homes

Healthy living is a modern term that refers to the use of environmentally friendly building materials. The aim is not to pollute the environment by building a house or housing complex. The health of the individual is also the focus of the new modern variants of building. An optimal indoor climate, a constant room temperature and the use of building materials that do not emit harmful substances are the most important foundations of healthy living. Pollutant emissions are completely avoided. Natural building materials such as wood or plastics, which are free of polluting substances, are used in modern construction. Sustainable building is becoming more and more popular and is even prescribed in parts for new buildings. You can find more exciting details on the topic of healthy living here.

Design options for outdoor facilities

Exterior landscaping includes the area in front of the house, but also the garage and carport, as well as outbuildings. A finished garden can significantly increase the value of a property. The size of the garden plays a rather secondary role. A beautiful lawn, attractive planting and an enclosure with fences or a green pergola increase the value of your property. Potential buyers appreciate attractively landscaped outdoor areas because the labor involved in planting the garden is eliminated. Plants grow with each passing year, increasing their value. If you have chosen rare plants or combined them in such a way that the garden blooms all year round, this also has a positive effect on the purchase price. Outbuildings are practical because they offer a lot of space and variable uses.

The front garden: Best fenced and the paths paved

The garden plot owned by a property owner begins at the edge of the road or at the end of the footpath. Regulations may vary in different cities and towns. However, it is usually the case that houses have a front yard. It does not matter if it is a detached single-family home, a townhome or a duplex. Between the footpath and the outer wall of the house, the front garden can be individually designed.

The size depends on the width of the house and the distance to the sidewalk. Houses with a large front garden are popular because they are slightly off the road. If you want to sell a house with a large front garden, its design is an important criterion. It is advantageous to have fencing around the area facing the footpath and the road. In this regard, fences made of metal are considered more likely to increase in value than a wooden fence, which requires regular maintenance, due to its durable structure. Tall plants that interrupt the view of the house and provide some privacy are also considered to add value, as is the installation of paved walkways.

The terrace: ideal with fixed gazebo or pergola

The terrace can be located directly at the house or in another area of the garden. Newer houses are characterised by a terrace that can be reached from the living room via a French window or balcony door. This is sometimes not possible with older houses. They would require extensive remodeling, especially if the basement is not at ground level under the house. If you want to sell a house with a high basement and you have put the patio in another area of the yard, it also counts as a value-added outdoor feature. Fixed gazebos or a pergola that is naturally landscaped are popular.

The garden: always a plus for nature lovers!

The garden is an important element of the exterior. If you sell a house that has a beautiful garden, you can increase the price. Popular with buyers are large lawns with a dense, beautifuly manicured lawn in a rich green. Borders of plants should be separated from the lawn by stones or a lawn edging. Fruit and vegetable gardens attract the interest of enthusiasts. But there are also customers who want a low-maintenance garden with lots of greenery and few plants.

Very large gardens are no longer so popular, especially with young buyers, because the maintenance effort is quite high. Small, lovingly landscaped gardens combined with a property that is ready for immediate occupancy are popular purchases. The demand for well-maintained properties remains high.

Further information on the subject of building and selling a house

Here you will find further important information on the subject of building a house and selling a house, as well as tips and advice that you must follow.

Planning and financing: costs, credits, tips

In most cases, the purchase of a property is accompanied by financing. Very few property buyers are in a position to pay cash for their property. Financing for a property usually extends over a period of ten to 30 years. Careful planning is therefore very important. A stable income is one of the essential requirements for secure financing. The income should be secured for the financing period. You must take into account changes in life planning as well as the possibility of loss of earnings due to illness or unemployment. Young couples may want to have children, which also affects income.

• Click here for tips on planning and financing.

What types of houses are there? Real estate guide

You just need a little more space? However, the choices of real estate these days are very large. Especially when buying a property, there are many factors to consider and choosing the right type of house is essential. What house types there are, and what makes each of them, we would like to tell you in this article. Learn about the characteristics and special features of each type of house, and let us show you the advantages and disadvantages. With the help of this guide, it should be easier for you to choose the property that is perfect for you. Get an overview and learn about the world of bungalows, terraced houses and villas!

• Click here for the house types.

Garage and carport: architecture, weather resistance, differences

A garage or carport for one or two cars is very popular with homeowners. If a carport or garage is included in the exposé, the interest of potential buyers is greater than if the vehicle is parked on the street or unprotected in front of the house. Installing a carport or garage not only provides greater convenience when using your own home. These additions also have a positive effect on the resale value.

• Click here for the article Garage and Carport.

Roof: planning, construction and renovation of roof trusses & roof coverings

Modern roofs can have different shapes. For centuries, the classic gable roof was the most common roof shape in Germany. It was often modified into a hipped roof and equipped with dormers to make effective use of the space under the roof slopes. Tent roofs are used in the new city villas with two-storey construction. As part of a renovation, the shape of the roof can only be changed slightly. If you plan to do so, you will have to fundamentally redesign the house. Roofing, on the other hand, is often the subject of renovation. Tiles are used, which are available in various colours, shapes and designs. A new roof covering often goes hand in hand with a renovation of the roof structure. If the construction is fundamentally new and of high quality, a roof can last at least 50 years without the need for new renovation.

• Click here for the article Roof: planning, construction, renovation.

Natural daylight in basement rooms

If part of the basement is above ground, it is possible to install windows for the incidence of natural daylight. If the cellar is at ground level, the windows require a light well. The incidence of light is reduced. If you can influence the construction during the planning phase, it is advisable to provide natural light incidence in the cellar. The possibilities for use are more flexible if the cellar rooms are equipped with a window. In the case of a basement at ground level, make sure that the light wells are large enough to ensure natural light incidence.

Basement size

Many builders opt for a full basement. This variant has the best price-performance ratio and offers the most space. Alternatively, it is possible to have only part of the house built with a cellar. A basement requires earthworks, which are a high cost factor. The basement walls are built onto a floor slab. If you compare the costs for a full cellar and a partial cellar, the full cellar is often cheaper. Even with a partial basement, there are costs for excavation and the floor slab. The extra cost of a full basement is often less than you think. However, you gain valuable space.

Possible uses of the cellar rooms

The use of the basement is determined by the equipment. If the rooms are to be used for living or as an office, the outer walls and windows must be insulated. Connect the rooms to the central heating system. This is cheaper than opting for electric heating in the basement rooms. The electrical system is installed in most basements during the construction phase. If the basement is not insulated, it can be used as a storage room. In older homes, there is often a garage in the basement. The space has a wide door and can be used for other purposes. Since modern cars are larger than they used to be, the space is often too small for parking the vehicle. It is still possible to use it as an office, workshop or hobby cellar. If the access to the outside is maintained and there is enough space in the house, you can also think about a new design as a granny flat or holiday apartment.

Basement extension as part of a renovation

If basement rooms are available, they can be renovated or newly created at any time. Insulation, the laying of electrical cables and the connection to the heating system can also be carried out in older houses. This makes it possible to adapt the use of the cellar to new needs.

Cellar increases the resale value

Properties with basements are very popular with potential buyers. In our experience, houses with a basement are more valuable than properties built on a floor slab. A basement can add a five-figure amount to the value of the property and is very popular, not least because many builders choose not to include a basement in new properties.

Further information on the subject of building and selling a house

Here you will find further important information on the subject of building a house and selling a house, as well as tips and advice that you must follow.

Planning and financing: costs, credits, tips

In most cases, the purchase of a property is accompanied by financing. Very few property buyers are in a position to pay cash for their property. Financing for a property usually extends over a period of ten to 30 years. Careful planning is therefore very important. A stable income is one of the essential requirements for secure financing. The income should be secured for the financing period. You must take into account changes in life planning as well as the possibility of loss of earnings due to illness or unemployment. Young couples may want to have children, which also affects income.

• Click here for tips on planning and financing.

What types of houses are there? Real estate guide

You just need a little more space? However, the choices of real estate these days are very large. Especially when buying a property, there are many factors to consider and choosing the right type of house is essential. What house types there are, and what makes each of them, we would like to tell you in this article. Learn about the characteristics and special features of each type of house, and let us show you the advantages and disadvantages. With the help of this guide, it should be easier for you to choose the property that is perfect for you. Get an overview and learn about the world of bungalows, terraced houses and villas!

• Click here for the house types.

Garage and carport: architecture, weather resistance, differences

A garage or carport for one or two cars is very popular with homeowners. If a carport or garage is included in the exposé, the interest of potential buyers is greater than if the vehicle is parked on the street or unprotected in front of the house. Installing a carport or garage not only provides greater convenience when using your own home. These additions also have a positive effect on the resale value.

• Click here for the article Garage and Carport.

Roof: planning, construction and renovation of roof trusses & roof coverings

Modern roofs can have different shapes. For centuries, the classic gable roof was the most common roof shape in Germany. It was often modified into a hipped roof and equipped with dormers to make effective use of the space under the roof slopes. Tent roofs are used in the new city villas with two-storey construction. As part of a renovation, the shape of the roof can only be changed slightly. If you plan to do so, you will have to fundamentally redesign the house. Roofing, on the other hand, is often the subject of renovation. Tiles are used, which are available in various colours, shapes and designs. A new roof covering often goes hand in hand with a renovation of the roof structure. If the construction is fundamentally new and of high quality, a roof can last at least 50 years without the need for new renovation.

• Click here for the article Roof: planning, construction, renovation.

Outdoor facilities: What you need to consider for the front garden, terrace and garden

Many buyers who want to purchase a house with land attach importance to a beautiful design of the outdoor facilities. If you offer a property for sale with attractive outdoor facilities, experience has shown that you will quickly find interested buyers. If you decide to leave the house sale to a professional partner, you will save a lot of time. You don’t have to worry about contacting possible interested parties and you can go about your work and everyday life.

• Click here for the outdoor facilities article.

Building interest rate comparison – when is it worthwhile for your property?

Various factors are used to calculate construction interest rates . First and foremost, however, the construction interest rates are derived from the situation on the financial markets. The most important of these are the key interest rates, which are set by the European Central Bank in Germany and which indicate the interest rate at which money can be borrowed on the market. For the future property owner, the key interest rate has an effect on the annual interest rate of the construction financing and especially in times of crisis, this is favourable for the builder.

By applying for low interest rates on loans, economic stimulus is hoped for various industries. This also applies to the real estate market, because in order to strengthen the market, low interest rates are offered to the builder. Although the prime rate here already gives a certain direction, all banks still have different interest rates that are offered to customers. Because of this, it is well worthwhile for builders to strive for a construction interest rate comparison to really achieve the best deal for their own property.

Factors influencing the individual determination of the construction interest rate

However, the market-dependent borrowing rate is not automatically the interest rate that the borrower must pay per year on the remaining debt. The final interest rate is only determined after taking into account many other factors. These include, among other things, the processing fees of the banks, because they charge a fee for the provision of construction money.

The so-called effective interest rate is therefore already somewhat higher than the actual debit interest rate. From bank to bank, different effective interest rates come about for the builder, which vary depending on the construction loan. Another factor is the personal circumstances of the builder. This includes things like the solvency due to the credit rating, the income and the available equity.

These factors also have an influence on how high or low the final construction interest rate is. Concrete information about the interest rate can therefore only be given once this personal information has been obtained. Here again shows how important the comparison of different construction interest rates can be to find the right loan individually tailored to you.

Information on the construction interest rate comparison – what is required of you?

During a bank appointment to discuss the construction loan, some important information will be requested from you in order to tailor the construction interest rate to your individual construction project. These include, among others, the following influencing factors:

Location of the property – the postcode as an important influencing factor

The postcode is considered to be one of the most important criteria by the financing calculators. The reason for this is quite simple, because banks and credit institutions can already find out a lot about the location and the location quality of the property on the basis of the postcode. It is now easier for the banks to classify the property. Some well-known postcodes, such as 60323 which belongs to the prestigious location of Frankfurt, the Westend recognize banks immediately and know how expensive real estate can be there. Some institutions for loans advertise that properties or construction projects in certain areas or places get an interest rate advantage. The specification of the postal code is therefore inevitable.

Equity capital and the required loan amount

Of course, you should also know how high the loan amount is that you need for the purchase or construction of the property. The determination of the available equity is enormously important here. So that you can be sure what you can really afford, you should calculate your exact budget in advance and draw up a budget plan. The equity determines the loan amount available and therefore the property you can afford. At the appointment with the bank, you should already know the exact purchase price of the house, so that the calculation for your loan can be calculated accurately.

Purchase price of the property

The loan-to-value ratio must be present when calculating the mortgage interest rate so that the bank can assess the risk of lending. The loan-to-value ratio is the ratio of the required loan amount to the mortgage lending value. The mortgage lending value, in turn, is the market value of the property minus a safety discount of 10 to 30 percent. This is calculated to cover possible renovations or additional costs and to have a small cushion. The conditions advertised by the banks usually refer to a lending limit of a maximum of 60 percent of the mortgage lending value.

Desired fixed interest rate from the builder

The builder should always have an idea of the fixed interest rate and also specify it. However, the longer the fixed interest rate is desired, the higher the debit interest rate will be. A known interest rate requirement is therefore important both for you and for your advisor.

Desired repayment rate from the building owner

The builder should also have an idea of the desired repayment rate, as this can also have an impact on the borrowing rate. Some banks charge a surcharge on the borrowing rate if the repayment falls below a certain limit. This is normally the limit of two percent, which should not be undercut. The reason for this is that low interest rates lead to extremely long terms, which can be significantly accelerated again by the repayment rate or unscheduled repayments.

However, you can also get an approximate construction interest rate online. There are many platforms that carry out a comparison of construction interest rates with various banks and credit institutions and provide you with an approximate overview of the available offers. Even with these online comparisons, however, you must provide all this information so that the loan offer can be individually tailored to you.

Optimal interest rate design is the be-all and end-all for a good loan

In order to keep the future interest rate risk as low as possible for the builder-owner, a number of things should already be taken into account when choosing the fixed interest rate period. Only certain options are usually offered by the banks and institutions. Mostly, the following options are offered:

• Building loan with variable interest rate
• Fixed interest rate of 10 years
• Fixed interest rate of 5 years

More and more credit institutions and banks have recently started to offer customers fixed-interest periods of 15, 20 or even 25 years. However, loans with variable interest rates are critical for customers, because they involve a high risk. Any increase in interest rates in the market will be used by the lender to increase their interest rate and so the cost to you will increase. Such loans usually have the most favorable interest rates, but are too risky and should rather not be entered into by builders.

This is an important basis for keeping the subsequent interest rate risk as low as possible. It is always optimal for the customer if a full repayment loan is concluded. A full repayment loan is a real estate loan where the interest rate remains constant over the entire repayment period. The interest rate risk is therefore eliminated and the customer is not at risk of increased interest rates during the term. Consequently, there is no need to take out follow-up financing. However, these full repayment loans are usually significantly more expensive than ordinary annuity loans, which have a fixed interest rate of 5 or 10 years, for example.

Repayment rate – decisive for the construction interest rate

Besides the right interest rate, the initial repayment is the decisive factor for a successful loan. Like the interest rate, the repayment rate depends on many factors, including the current situation on the market and interest rates. In low-interest phases, higher repayments should therefore be agreed, which should not be less than three percent. In such a case, an initial repayment of five percent is particularly favourable for customers. However, this can fluctuate depending on the situation.

However, always keep the interest rate in mind when calculating the repayment rate, as the two have a strong effect on each other. You should still be able to afford the repayment rate without any problems. The higher the repayment rate, the faster the building loan is paid off and only a small residual debt is still available for the follow-up financing. The higher monthly interest rates will then no longer have such an enormous effect on the monthly instalment.

To show how differently the financing can proceed with different repayments, the example calculation can clarify, in which in each case a different repayment rate is selected and the other details remain identical.

Example 1:
The loan amount is 150,000 euros with an interest rate of 1.80 %. The repayment rate in this example is 5%. The fixed interest rate is 10 years and the monthly loan instalment is 850 euros. Based on the given data, the borrower still has a residual debt of 67,893.37 euros after 10 years. The follow-up financing can therefore be started with a new interest rate of 5% and a new monthly instalment of 1,010 Euros. The total term for the loan is therefore 17 years at the end.

Example 2:
The loan amount here is also 150,000 euros with an interest rate of 1.80 %. However, the repayment rate in this example is only 1%. The fixed interest rate is also 10 years and the monthly loan instalment is therefore 350 euros. Based on the given data, the borrower still has a residual debt of 133,578.67 euros after 10 years, i.e. considerably more than in example 1. The follow-up financing can therefore be started with a new interest rate of 4.80 % and a new monthly instalment of 680 euros. The total term for the loan at the end is 57 years for the borrower.

Building interest calculator – simply obtain offers online

Before you go to the bank, however, it makes sense to perform a preliminary calculation online to get a feel for the market and the current situation. With these calculators, you can also enter your individual details and obtain an offer tailored to you. So there are many advantages for future property owners, because an overview is created. You can find the best online construction interest calculators here:

• The construction interest calculator from Dr.Klein
• The building interest calculator with redemption schedule of current building interest rates
• The financing calculator for the building loan from Immobilienscout24

Heating with wood at a glance

This method of heating is environmentally friendly because of the neutral CO2 balance that results from the fact that the wood does not emit more carbon dioxide during combustion than the tree absorbs during its lifetime. Cost-effective is this method, since once the fuel is very favorable in the purchase and on the other hand due to the possible promotions for wood heatings. If you decide to heat with wood, you can choose between wood chips, wood briquettes or wood pellets.

When making this decision, you should consider whether you want to heat a single room with a stove or a fireplace or whether you want to heat with a modern wood central heating system. The single room heating is mostly called comfort or additional heating and is mostly used next to the normal heating, hence the name.

• Alternative to gas and oil
• Neutral CO2 balance
• Favourable raw material prices
• Subsidies possible
• Single room firing or wood central heating

Heating with fireplace & stove fireplace?

A fireplace provides relaxation, a sense of well-being and warmth. That’s why it’s not surprising that fireplaces and other stoves are at the top of the wish list of homeowners. Especially on cold days, there is nothing better than snuggling up in front of a crackling fireplace bursting with warmth and enjoying the time. There are many different types of fireplaces. From open and closed to tiled or pellet stoves that all have advantages and disadvantages.

• Fireplace & stove fireplace

Firewood & Fireplace Wood Storage – Larger quantities of firewood, are often stored on properties. The garden or a barn are often used for storage. Larger quantities of firewood, once stored on a property, must be stored in a fire-safe location.

• Tip: Firewood + Storage

How heating with wood works

This contribution of the ZDF informs you comprehensively! The title of the series “The truth about heating with wood” in 2 parts.

Part 2 of “The truth about heating with wood”.

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