6 providers in comparison! Test winner + ranking

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).

• Usage fee p.a. = 2.89 % = 241 Euro
• Increase in value (total sales) = + 41.53
• Let evaluate on German part purchase

House anchor – Best conditions

Is part of Deutsche partial purchase, almost the same, only +1 euro in the monthly cost of use.

• Usage fee p.a. = 2.90 % = 242 Euro
• Increase in value (total sales) = + 41.53
• Get rated on house anchor

Value factor

At 29.13%, the increase in value over 15 years is -12.4% compared to #1 and #2. Likewise +1 euro per month, compared to the test winner.

• Usage fee p.a. = 2.90 % = 242 Euro
• Increase in value (total sales) = + 29.13
• Let evaluate on value factor

Partial sale One

Teilverkauf One offers fair conditions for sellers with Deutsche Teilkauf and Hausanker.

• Usage fee p.a. = 2.89 % = 241 Euro
• Increase in value (total sale) = + 28.50
• Get rated on partial sale One

House provision

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).

• Valuation on: German part purchase

User fee: 241 € / month / 2.89 % p.a.

• Share: 20%
• User fee: 241 Euro

Usage fee after partial sale in %:

• User fee / year = 2,892 euros
• % p.a. = 2.89

Total sales: + 41.53 % increase in value

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).

• Rating on house anchor

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: + 41.53 % increase in value

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.

Value factor

With Wertfaktor you can sell a property worth 500,000 euros only from 20%, maximum 50%. The conditions at a glance (source: calculator Wertfaktor.de).

• Valuation on value factor.

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: + 29.13 % increase in value

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 adresses 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.

Partial sale property

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

Der Beitrag Partial sale providers in comparison! House, apartment, land + partial purchase test winner erschien zuerst auf ℄ Real Estates.

Divorce – sell the house or keep it?

If you have not concluded a prenuptial agreement, according to the law, the property belongs to you in equal shares. This means that an agreement is inevitable. If you want to stay in your house, you face the challenge of having to pay off the other spouse who is moving out. If this is not possible without a house sale, many couples are left with selling the property. Helpful tips: property selling guide.

In terms of divorce, there is no blanket recommendation for your home, as each tip is based on the individual situation and your personal vision. In general, you should rule out the need for a foreclosure, as you will lose a lot of money that way.

If a sale of the house is essential, hire an agent and get the highest possible price for your property according to the market value. If there is a possibility, one partner can keep the property and pay out the other partner. You will find your individual chances and the best solution together with an experienced real estate agent in the course of your divorce.

Get advice from real estate agents!

We strongly discourage you from jumping the gun and making what you feel is the right decision out of disappointment. There are a whole range of other options through which you can rule out selling the house, or if a sale is desired, get the best price for your property. You should not decide on selling, leaving the house to joint children, or holding the property until you have received comprehensive information on the various procedures. Contact real estate agents who have years of experience in dealing with homes that need to be financially divided among partners and valued as joint property in the course of a divorce.

More information about divorce:

Divorce procedure

Among all joint acquisitions, the house stands as the largest asset in your possession. For this reason alone, a jointly acquired property purchased during the marriage period will also be the biggest “bone of contention” when it comes to property division during the divorce process. Learn everything you need to know about the divorce process.

Keep house

For families with children, housekeeping is often high on the agenda in the event of a divorce. In many cases, the partner with whom the children remain stays in the house. So that the children can remain in their familiar environment and are not additionally burdened by the divorce, this option proves to be the best solution. However, the desire to keep the house is of course linked to the respective financial situation and to agreements made. More on the subject of keeping a house.

House sale

A jointly occupied and financed house is usually the focus of a divorce. If neither partner wants or is able to keep the house, in most cases it comes down to a property sale. There are several solutions you can consider and contrast. Most divorcing couples choose to sell the house to a third party, as this method results in the fewest disputes. You part with existing debts together and exclude the need to continue paying off a home loan together. All about selling your house.

Separation and house

Separating from your partner is a trauma. To ensure that the decision about your jointly purchased and financed home does not become traumatic, you should definitely opt for professional advice on the various possible solutions. Do you want to keep your home despite separation and pay off your former partner? Or are you interested in selling and would like to achieve realistic proceeds on disposal? More information on the topic of separation and house.

Der Beitrag What happens to the house upon divorce? erschien zuerst auf ℄ Real Estates.