Competitor analysis Archives - ℄ Real Estates

Buy property with social commitment: Cost Rent, Subsequent Commitment & Housing Entitlement Certificate Explained

Laura — Thu, 21 Oct 2021 04:25:35 +0000

Buy property with social binding – What does social binding mean? How long is the social commitment? And at what point does an investment in such a property pay off? Whether you are an owner-occupier or an investor, find out here everything you need to know about real estate with a social commitment!

Social and post-bonding: Definition & Explanation

What does social binding mean? A social commitment is a price commitment of the property. In order to support low-income citizens, the state thus offers social housing.

Important: If you want to rent here, you need a certificate of eligibility for housing.

This is favored by the promotion of public funds, such as low-interest loans and grants from public authorities. If you want to buy a property with a social commitment, you are bound to it until the public loans and grants have been repaid. If everything has then been paid off, it takes another 10 years until the social binding officially ends – also called: Nachbindung.

Maximum rent: cost rent & rent increase

How much rent can you expect as a landlord of a property with social commitment? In order to ensure affordable housing, only a “cost rent” is charged here. For this, only the running costs of the property are taken into account, such as the financing costs and the public building loan. A rent increase may then only take place every 3 years. After the end of the additional commitment period, you can then adjust the rent to the current rental prices.

These factors are taken into account in the cost rent:

Current costs
Financing costs
Public building loans

Summary: What is a social bond?

So here are the most important points summarized at a glance:

Financing through public funds
Renting to low-income persons through housing entitlement certificate
Post-commitment period ends 10 years after full repayment of public loans
Maximum rent is limited by cost rent

Invest in a property with a social commitment

Now that we have clarified what a property with a social commitment is, the question naturally arises: Is it worthwhile at all to invest in such a property as an owner-occupier and capital investor? Let’s take a closer look at the two cases:

Buy property with social commitment for personal use

As already mentioned, only people who have a housing entitlement certificate due to their low income can move into a property with a social commitment. This also applies to owner-occupancy. So if you as a buyer earn only a low salary, the purchase of a property with social binding for owner-occupancy is quite possible. However, if you earn too much, you will need to apply for an extra exemption. This can also lead to increased incidental purchase costs, as you will have to pay a shortfall occupancy tax.

The most important summarized:

Only for low-income buyers
If salary is too high: apply for an exemption and pay a shortfall levy.

Real estate with social commitment as capital investment

If you invest in a property with a social obligation as a capital investment, you must always expect a shortfall. Real estate with a social commitment is therefore only really interesting as an investment for capital investors if the low return is reflected in a favorable purchase price and your goal is tax-free capital appreciation.

Conclusion: Should you buy a property with social binding?

As an investor, an investment in a property as a social commitment is therefore only worthwhile if the focus is on tax-free appreciation without time pressure. Whereas owner-occupiers benefit above all if they themselves have a residential entitlement certificate.

You can find even more tips about real estate with social binding here:

Social obligation: Real estate, social housing, obligation, rent control and deadlines (external).

First apartment / first house: Learn for free

My thought behind the website? The entire buying process, on one page, in detail, with tips and insider tips. Not just one page with the typical 1, 2, 3 processes.

Learn completely free, 24 hours, 7 days a week online. With important calculations, of course, calculations and formulas, as well as their calculation paths, checklists but also valuable experience and mistakes.

If you have any additional questions, you can always write to me and my team on the website. We will then include these additional questions in our Q&A and.

This means that with every question you ask, our platform gets better! From the preparation on the real estate purchase, to the purchase price negotiation, to subsequent rental, if you buy your property as an investment.

Real Estate Experience.com

Der Beitrag Buy property with social commitment: Cost Rent, Subsequent Commitment & Housing Entitlement Certificate Explained erschien zuerst auf ℄ Real Estates.

Real Estate Location: Investing in… – Lukinski Rating / Investment Atlas Germany

L_kinski — Tue, 31 Aug 2021 13:48:29 +0000

Immobilien Lage – Lage macht den Unterschied, zwischen Investitionen mit Ziel Rendite (direkte Einnahmen, meist B- und C-Lagen) oder in eine Investment Immobilie (“Spekulation” auf Wertsteigerung, A-Lagen). Das aktuelle Lukinski Rating zur Attraktivität von Städten in Deutschland, über 40.000 Einwohnern. Danach wird es interessant, denn wir werfen einen Blick auf die Hidden Champions, mit top Lukinski A+ Rating und D- Rating und höherem Risiko. Sie suchen eine günstige Finanzierung in Deutschland? Checken Sie Konditionen und Anbieter in meinem Vergleich.

Lukinski Rating: Lage & Attraktivität

Wer seine erste Immobilie kaufen will, der wird schnell von den verschiedenen Lagearten hören. Doch wie können Sie die Attraktivität von Städten einschätzen? Insbesondere dann, wenn es nicht um die allseits bekannten Städte in A-Lagen geht, sowie München, Hamburg, Berlin, Köln, Frankfurt oder Düsseldorf. More about Düsseldorf: real estate Düsseldorf.

Der Kapitalanlage Atlas Deutschland wirft einen Blick auch fast 500 Städte in Deutschland und vergleicht Ihre Attraktivität und Entwicklung.

Hierbei handelt es sich nicht um eine Kaufempfehlung. Das Rating dient der allgemeinen Information.

Immobilien Atlas: Sortiert nach Rating

Städte sortiert nach Rating:

Immobilien Atlas: Sortiert nach Einwohner

Städte sortiert nach Einwohnerzahl:

Metropolen 500K +

Städte bis 500 K

So funktioniert das Rating

Für die Bewertung einer spezifischen Lage (Makroperspektive) gibt es viele Parameter, zum Beispiel die Wirtschaft, deren Verteilung auf Gewerbe, Industrie und Produktion, die Infrastruktur, Bildungsstätten, ebenso wie Ärzte, Freizeitaktivitäten, aber auch das Umfeld, Stadtteile und Nachbarstädte. Ein weiterer Faktor ist natürlich der Kaufpreis (oder auch Mietpreis), je höher die Quadratmeterpreise, desto er zieht es die Menschen in den Speckgürtel der Großstädte. All das sorgt dafür, dass einzelne lagen an Attraktivität verlieren oder an Attraktivität für Menschen gewinnen. Unser Rating vergleich die Attraktivität und Entwicklung miteinander.

Stand:
Auswertung: Städte in Deutschland
Kriterium: Mindestens 40.000 Einwohnern
Kategorisierung: A (+) bis D (-)

Für Immobilieninvestoren, teilt der Kapitalanlage Atlas, die Attraktivität der einzelnen Städte in 4 Kategorien. Vom Lukinski A+ Rating, für besonders attraktive Regionen, die einen hohen Zuzug erfahren, bis zum D- Rating, Städte die schon seit Jahren und Jahrzehnten stagnieren, wenig attraktiv Menschen und Wirtschaft. Inflationsschutz steht bei uns im Vordergrund. Je höher das Rating, desto attraktiver ist die Lage für den Einstieg von Immobilieninvestoren.

Städte im Vergleich: Wo investieren?

Im Folgenden finden Sie zunächst die wichtigsten deutschen Städte, im Vergleich. Metropolen mit über 500.000 Einwohnern, dazu Großstädte von 250 000 bis 500.000 Einwohnern und noch einmal alle Großstädte von 100.000 bis 250.000 Einwohnern. Danach wird es interessant, denn wir werfen einen Blick auf die Hidden Champions, mit top Lukinski A+ Rating und D- Rating und höherem Risiko mit der Frage:

Wo investieren in Deutschland?

Metropole ( < 500.000 ) - Hoher Kaufpreis, langfristiger Gewinn

Metropolen / Großstädte im Überblick – Tendenziell eher A-Lagen, mit Investment Immobilien. Das heißt, wenig Überschuss aus Mieteinnahmen, dafür hohe Wertsteigerung des Grundbesitzes, egal ob beim Wohnungsverkauf oder Hausverkauf.

Zuerst ein Blick auf die größten Städte, die jeder hier kennt, mit über 500.000 Einwohnern.

Stadt	BL	Rating
		Note	Wert	Kurzzeit	Langzeit
Berlin	BE	B+	5,8	A-	B+
Hamburg	HA	B+	6	A+	B-
München	BA	A+	11,9	A+	A+
Köln	NRW	A	8,7	A+	A
Frankfurt am Main	HE	A+	12,6	A+	A+
Stuttgart	BW	B+	5,2	A	B-
Düsseldorf	NRW	B+	5,8	A	B+
Leipzig	SA	A+	13,1	A+	A+
Dortmund	NRW	C-	0,2	D-	C
Essen	NRW	D-	-1,7	D-	C

Hier kommen Sie zur vollständigen Liste mit allen Metropolen:

Rating: Metropolen ab 500.000 Einwohnern

Großstadt (100.000 – 500.000) – Moderater Kaufpreis, sofortige Rendite

Ein Blick auf die 2. Liga der Städte, Großstädte bis 500.000 Einwohner im Überblick – Tendenziell gute B-Lagen mit Rendite Immobilien. Das heißt, die Kosten (Tilgung des Darlehens, Zinsen und Instandsetzung), werden durch laufende Mieteinnahmen gedeckt. Dafür ist der Wertentwicklung geringer, als in A-Lagen.

Großstädte bis 250.000 Einwohner im Überblick – Tendenziell ein Mix aus B-Lagen und oft guten C-Lagen mit Rendite Immobilien. Das heißt, wie schon bei den Großstädten, die Kosten (Tilgung des Darlehens, Zinsen und Instandsetzung), werden durch laufende Mieteinnahmen gedeckt. Dafür ist der Wertentwicklung geringer, als in A-Lagen. Allerdings Vorsicht bei Immobilien in C-Lage, denn das Risiko, dass Wohnungen oder Häuser auch einmal leer stehen, ist größer als in B- und wesentlich größer, als in A-Lagen.

Stadt	BL	Rating
		Note	Wert	Kurzzeit	Langzeit
Duisburg	NRW	D-	-1,8	D-	C
Bochum	NRW	D-	-4,8	D-	D-
Wuppertal	NRW	D-	-1,7	D-	C
Bielefeld	NRW	B-	3,5	B	B-
Bonn	NRW	B+	5	A+	C
Münster	NRW	A+	13,7	A+	A+
Mannheim	BW	D	-0,8	D	D-
Karlsruhe	BW	A-	6,6	A+	B
Augsburg	BA	A+	11,4	A+	A+
Wiesbaden	HE	C+	2,8	A-	C-

Hier finden Sie die Liste mit allen 67 Großstädten in Deutschland, von 100.000 bis 500.000 Einwohnern:

Rating: Großstädte bis 500.000 Einwohner

Städte ( < 100.000 ) - Mehr Rendite, mehr Risiko

Ihr Vorteile in Städten zwischen 40.000 bis 100.000 Einwohnern? Sie haben weniger nationale und internationale Konkurrenz. Insbesondere, wenn Sie vor Ort wohnen, ein guter, strategischer Vorteil, auch für Immobilien Einsteiger. Welches Rating hat Ihre Stadt? Finden Sie es hier heraus:

Rating: Städte bis 100.000 Einwohner

Hidden Champions für Ihre Kapitalanlage

Jetzt wird es interessant, denn wir werfen einen Blick auf die Hidden Champions, mit top Lukinski A+ Rating!

Danach finden Sie noch eine Liste, mit Städten, die eine sehr negative Entwicklung auf Reisen und mit D- Rating höheres Risiko bergen.

Top 10 A+ Ratings

Hier sehen Sie die top 10 A+ Ratings:

Bernau bei Berlin (Brandenburg), Rating: 25,2
Falkensee (Brandenburg), Rating: 22,3
Oranienburg (Brandenburg), Rating: 17,7
Potsdam (Brandenburg), Rating: 17,0
Bad Kreuznach (Rheinland-Pfalz), Rating: 16,6
Dachau (Bayern), Rating: 15,8
Landshut (Bayern), Rating: 15,3
Gießen (Hessen), Rating: 15,2
Goslar (Niedersachsen), Rating: 14,8
Ostfildern (Baden-Württemberg), Rating: 14,6

Alle A+ / A Ratings in Deutschland

Sie wollen noch mehr Hidden Champions in Deutschland kennen lernen? Dann sehen Sie sich hier alle A-Rating in Deutschland an! Diese Städte sind extrem beliebt, lesen Sie hier mehr, Lukinski A+ / A Ratings für Immobilieninvestoren:

A+ / A Ratings in Deutschland

Hidden Champions mit A+ Rating im Überblick – Starke allgemeine Entwicklung, Zuzug von Menschen, hier können Sie gute Renditen erzielen, insbesondere mit Eigentumswohnungen, die Sie kaufen und vermieten.

Alle B- / B / B+ Ratings

Alle B-Ratings zeigen Städte mit solider Entwicklung. Hier können Sie auch Rendite Immobilien finden, die unmittelbar für Erträge sorgen, die Ihre monatlichen Belastungen um Tilgung, Zinsen und Instandhaltung decken. Im Idealfall mit zusätzlichem Extra, für aktiven Vermögensaufbau.

B- / B / B+ Ratings in Deutschland

Alle C- / C / C+ Ratings

Alle C-Ratings zeigen Städte mit geringeren Wachstumsraten. Hier sind Immobilien als Kapitalanlagen schon eher mit Vorsicht zu genießen, denn das Leerstand Risiko ist größer. Heißt: Jeden Monat, in dem Ihre Rendite Immobilie nicht vermietet ist, bezahlen Sie drauf. Außerdem ist die Wertsteigerung der Immobilie sehr gering, bis kaum vorhanden.

C- / C / C+ Ratings in Deutschland

Risk Champions: Nichts für Einsteiger

Immobilien Einsteiger sollten diese Städte eher meiden. Im Rating liegen diese Städte am unteren Ende, tragen damit das größte Risiko für Leerstand und negative Wertentwicklung der Immobilie.

Top 10 D- Ratings

Hier sehen Sie die am wenigsten, attraktiven D- Ratings:

Frankfurt Oder (Brandenburg), Rating -20,9
Gera (Thüringen), Rating -18,5
Neubrandenburg (Mecklenburg-Vorpommern), Rating -15,6
Zwickau (Sachsen), Rating -15,1
Dessau-Roßlau (Sachsen-Anhalt), Rating -13,7
Wilhelmshaven (Niedersachsen), Rating -12,3
Wismar (Mecklenburg-Vorpommern), Rating -12,3
Cottbus (Brandenburg), Rating -11,5
Schwerin (Mecklenburg-Vorpommern), Rating -10,8
Unna (Nordrhein-Westfalen), Rating -10,3

Alle D- / D Ratings in Deutschland

Risikolagen für Immobilieninvestoren:

D- / D Ratings in Deutschland

Risk Champions mit D- Rating im Überblick – Objekte in schlechter C-Lage sollten Sie nur kaufen, wenn Sie bereits Erfahrungen haben. Nicht nur mit Kauf und Vermietung, auch mit Renovierung und Sanierung.

Der Beitrag Real Estate Location: Investing in… – Lukinski Rating / Investment Atlas Germany erschien zuerst auf ℄ Real Estates.

Civil law partnership (GbR): formation, liability, legal form, management, taxes

Laura — Tue, 23 Feb 2021 12:21:24 +0000

Gesellschaft bürgerlichen Rechts (GbR) – The Gesellschaft bürgerlichen Rechts is a German legal form which is established by two or more persons for a certain period of time in order to conduct a certain business together or to achieve a common goal. It is therefore always for a specific purpose and usually exists only as long as the joint venture has not yet been completed. As the name suggests, it is subject to civil law and is therefore often referred to as a BGB company. Tax advisors help with the formation, as well as with all taxes in Germany. All about the GbR. Back to the individual: Legal forms.

Civil law partnership: formation, advantages and disadvantages

In the following, you will find out everything you need to know about setting up a GbR. How do you become a partner in a GbR? What are the differences between incomplete and complete companies? What are the advantages? What are the disadvantages? How do I set up a company? What is a company? You’ll get answers to all these questions and more – explained simply and quickly. Plus everything you need to know about taxes and real estate trading.

If you are considering forming a civil law company, you first need to know about the formation process: Who can form what exactly, when and to how many… what are the differences and similarities between the various civil law companies? It is equally important to know the advantages and disadvantages of a GbR: From profit distribution to saving taxes – the seven most important formation criteria for you at a glance.

What are the founding criteria?

Number of shareholders
Management
Foundation
Company name
Funding
Liability
Profit distribution

Learn everything important about it here! In addition, you will find all German types of companies and legal forms, as well as tips on how to start a company, including the special case of real estate GmbH, family foundation & Co.

BGB companies at a glance

In the entrepreneurial world, there are many different forms of business you can choose from. They are roughly divided into two categories, namely sole proprietorship and companies, which in turn are divided into incomplete companies – these include dormant companies and BGB companies – and complete companies – partnerships, corporations and some more.

The civil law partnership – GbR for short – is one of the so-called incomplete partnerships and is often also referred to as a BGB partnership because, unlike the complete partnerships, it is not subject to the German Commercial Code (HGB) but to the German Civil Code (BGB). The GbR is an uncomplicated form of corporate law because it can be founded informally and a minimum of only two founding members is required. Since the formation of a GbR is for the purpose of jointly conducting a specific business, it is also referred to as an occasional company.

GbR between private persons

If you want to form a civil law partnership, there are different options for you and your co-founder(s). In fact, most people – knowingly or unknowingly – have already been part of a BGB company at one time or another: if, for example, you form a car pool with your colleagues or go on holiday together with your friends and split the costs between them, you have formed an occasional company in the legal sense. For a common goal, you have joined forces with at least one other person, temporarily or for a longer period of time, and contributed to the fulfilment of this goal under the premise of equality – in this or a similar way, a civil law partnership is informally formed between private individuals.

GbR among freelancers

You are already self-employed and want to found a GbR? No problem! Even between sole traders, the formation of a civil law partnership is not uncommon: Especially in the healthcare and legal sectors, doctors and lawyers like to join forces for a longer period of time. They establish a civil law partnership among freelancers in order to increase their chances on the market or to strengthen their competitiveness or simply to save costs.

GbR among merchants & banking syndicate

As a businessman or businesswoman, you can also join forces with like-minded people and set up an occasional company. For example, if you have a large construction project that you as a craftsman cannot handle alone, you can join forces with other craftsmen for this customer or project to tackle the property together. Once the construction project is complete, everyone goes their separate ways. In this case, it is a matter of founding a civil law partnership among merchants. A special feature here is the merger of banks: If several banks form a GbR – for example, for the purpose of easier organisation of the share issue when a public limited company (AG) is re-established – this is referred to as a banking consortium.

BGB companies in brief:

GbR between private persons
GbR among freelancers
Partnership under business
- Banking syndicate

Formation process of the GbR: From the number of shareholders to the distribution of profits

Regardless of whether you are a private individual, a freelancer or a merchant: The process of forming a civil law partnership is the same everywhere: For one thing, you need at least one other person to be able to form a GbR. The claim that a GbR is more or less a sole proprietorship, only with more people, is therefore no coincidence. But apart from the question of liability, these two legal forms have little in common.

Doing business together from 2 persons

Although it is possible to appoint a single managing director from among the BGB partners by agreement, all partners usually take over the management jointly and also make joint decisions.

The foundation itself requires a tax identification number – in short: tax ID – which you can apply for at the tax office responsible for your administrative area. Furthermore, you must apply for the registration of a small business at your responsible trade office, which usually costs you about 10 to 65 euros for processing. As a small business BGB company, you are restricted in terms of turnover – this means that you may generate turnover up to a fixed maximum limit of currently 250,000 euros per year. For higher amounts, the civil law partnership is automatically converted into a general partnership – OHG for short – for which entry in the commercial register is mandatory.

Company identification: Full name + GbR

Since you are not registered in the commercial register as a GbR partner, you cannot officially trade. This means that your company does not have a company name, but only a company designation. The company name must consist of your full first name and your surname plus the suffix “GbR”, which indicates the legal form of your BGB company. You are free to expand your company name by naming the industry and/or an imaginary name.

Financing, Liability & Profit

The financing is entirely at your discretion, so you can theoretically do without any start-up capital. However, it is advisable to have certain reserves and to draw up a financing plan in order to be financially prepared in case of unpleasant surprises. The company risk is borne jointly by all partners and they are liable for both business and private matters. Therefore, if something goes wrong and the BGB company falls into arrears and financial difficulties, you must – even in the case of wrong decisions by your co-partner(s) – take unlimited responsibility with your private assets.

Just like the entrepreneurial risk, the profit is also distributed equally. With two founding members, each of you receives 50 percent of the profit. If there are three or more partners, the profit is distributed accordingly per head.

Advantages: Winning by heads, team decision & joint liability.

After presenting the typical characteristics of a BGB company, you have certainly already recognized the advantages that this legal form offers you: The foundation is relatively uncomplicated and you do not need any start-up capital. You are active as a team together with your co-founder(s): You make all company-relevant decisions together, bear the liability risk jointly and share profits equally among yourselves.

Fast and uncomplicated foundation
Flexible share capital
Head split
Liability risk in the team
Decisions with little coordination with others
No disclosure of business figures

Disadvantages: Full liability, turnover restriction & OHG conversion.

The disadvantages of setting up an occasional company can also be quickly identified: On the one hand, you do not have sole decision-making power and must coordinate with your staff of partners. Nevertheless, in case of doubt, you must be fully and completely liable – even privately! even if you were not responsible for the losses. Thirdly, as a GbR you are limited in turnover and have to be careful not to unintentionally change into a OHG. Last but not least: Since a GbR is purpose-bound, a dissolution can be enforced without much effort – it is not made for eternity.

No sole decision-making power
Full liability (incl. private assets)
Limitation of turnover up to 250.000 Euro per year
Automatic conversion into OHG
Simple dissolution of the GbR

Evaluation: Start-up without bureaucracy & share capital

After comparing the advantages and disadvantages, it becomes clear that if you like to work in a small and familiar team to achieve a common goal and do not want to overcome any major bureaucratic hurdles, you can get off to a fast and easy start as a GbR. Profits are shared fairly and losses are borne jointly, so that businesses with a manageable risk are particularly suitable as objectives. In addition, a GbR makes sense for entrepreneurs who do not have the necessary share capital for a corporation and/or have a general partnership as their goal.

Immobilien GbR: change of legal form, asset management & Co

You don’t think the idea of a general partnership is a bad idea at all, and now you’re wondering how to combine your partnership with real estate? From form change tricks and private contributions to corporations to real estate brokers and asset management companies. All essential information on real estate partnerships, real estate GbR and real estate KG for you in a nutshell.

Small tip: When acquiring and/or managing real estate, make sure that all details are clearly stated in the partnership agreement. Due to the principle of joint, unlimited and direct liability, you should also make sure that your managing partners are persons with comparable creditworthiness – otherwise there could be difficulties with financing and creditworthiness.

Variant 1: Save taxes through change of legal form trick

As an individual, you would like to contribute your property to a limited liability company (LLC) or other corporation, but the tax levies are too high for you? Then you should consider transferring your property to a partnership. The advantage: registered partnerships can be easily converted into corporations by means of a change of form and you can save the real estate transfer tax!

Change of legal form to a registered partnership

As a partnership under civil law (GbR), you can convert your property into 100 per cent GbR shares as a 100 per cent shareholding and, in the next step, carry out the change of form to a general partnership with entry in the commercial register. This turns the GbR into a full company and, above all, also into a registered partnership, which is the basic prerequisite for the conversion into a GmbH. But watch out: You need another person for the formation, who temporarily joins the company without deductible.

Change of legal form to a corporation after 5 years

The change of legal form to a GmbH is again tax-free in terms of the identity of the legal entity, so that you remain exempt from real estate transfer tax and can still transfer your private property to a corporation. You only have to wait until the five-year lock-up period has expired, because otherwise taxes will still be due retroactively in accordance with the Real Estate Transfer Tax Act (GrEStG). If everything goes smoothly, you are still 100 percent owner and your co-founder can leave the GmbH without any problems.

Variant 2: Real estate agent with business licence

If you want to become a self-employed real estate agent, it’s not that easy. The profession of real estate agent is subject to the trade obligation and is not one of the liberal professions. This means that in order to be able to pursue this activity, you must first apply to the trade licensing office for permission and hope for a positive light. The official permit is required by law, for example to be able to assess your reliability in advance.

Real estate agent OHG, GbR & KG

Partnerships can also operate as real estate agents. However, without their own legal personality, OHGs, GbRs and KGs must obtain an official permit for each individual managing partner. In addition to the application form for permission, further documents must also be submitted. These include:

A police clearance certificate – available on request from the Residents’ Registration Office;
An extract from the Trade Central Register – available on request from the Ordnungsamt;
A tax clearance certificate – available on request from the tax office;
A certificate of no current insolvency proceedings – available on request from the local court;
A certificate of missing entries in the debtors’ register – available on request from the local court.

A certificate of competence can also be provided on a voluntary basis.

Variant 3: Asset-managing partnership

If you want to be active in the area of surplus income – i.e.: income from non-self-employed work, capital assets, renting and leasing or other income – an asset-managing partnership could be just right for you. Here you can typically either use the legal form of a GbR or fall back on trading companies regulated in the HGB such as the OHG or KG. Mixed forms such as the GmbH & Co KG are also conceivable in principle, but mean further regulations and requirements.

Participation, say & tax advantages

An asset-managing partnership makes sense if several real estate investors want to manage their real estate holdings jointly. The aspect of ensuring succession in the event of inheritance is also interesting here. The partnership agreement determines how much say the individual partners have – decisions are often made on the basis of shares, but even partners with a small shareholding can gain a dominant voting right – for example, if they have enormous expertise, professionalism or experience.

Tax advantage of such an arrangement? The capital-forming partnership is not the same as the tax object: each partner is taxed individually and all income taxes as well as taxes from inheritance, sale or gratuitous transfer of partnership shares must be reported by each partner individually for tax purposes.

Taxes for BGB partners: income tax, VAT & trade tax

As a GbR partner, you need to know about some types of taxes, because with the establishment of your company, you receive income from your business and must of course also pay tax on this. Tax law stipulates that in addition to the income tax of each partner, further duties must be paid for turnover tax, unless the GbR makes use of the small business regulation. In addition, trade tax is due for commercial enterprises with an annual income of more than 24,500 euros. A GbR among freelancers remains exempt from the trade tax obligation.

You can find out what taxes you can expect with a real estate corporation here:

Save taxes on real estate

Conclusion: Civil law partnership – for whom is it worthwhile?

If you are prepared to join forces with other trustworthy people to start your own business quickly and easily, you do not need enormous financial reserves and also pay relatively little tax on your profits. A GbR is therefore ideally suited for young freelancers who want to take their lives into their own hands, not only dream of self-realisation and do not want to wait until they have saved up the necessary start-up capital.

From a real estate point of view, a BGB company is particularly worthwhile for beginners who would prefer to invest their capital directly in the purchase of real estate instead of laying down the share capital for a corporation. If you are successful, however, you should consider converting the casual partnership into a general partnership – if only to reduce the liability risk – or contributing the GbR as a contribution in kind to a GmbH.

You can find out more about general partnerships and limited liability companies here:

Learn for free: Start a company & legal forms

Besides the civil law partnership (GbR), there are a few other alternative types of companies that could be interesting for you as a founder! You want to learn more about starting a business? Learn more about share capital, taxes and the advantages and disadvantages of the different types of companies.

Here you will find all the legal forms that can be chosen as a founder in Germany and a guide with a checklist:

Legal forms: List
Founding a company: Procedure, costs and overview

Legal forms: List

Legal forms – What types of company are there? If you want to start your first company, then choosing the ideal legal form is one of the first steps in the process of setting up a company. Whether it’s a special real estate company or a start-up, I’ve summarized all the types of companies in Germany for you here.

Legal forms: List

Company types in detail:

Starting a company: Procedure, costs and checklist

Founding a company (real estate) – You want to found your first company? Requirements for you as a founder, share capital, shareholder agreements, costs for the foundation, legal forms and checklists. This sounds complicated for beginners, but it is actually quite simple. The process of founding a company is usually relatively the same. I have summarized the foundation here once in simple steps, for you. Learn how to start your own business. After the great guide to all legal forms or types of companies, today a detailed look at the establishment of a (real estate) company for beginners.

Form a company

Der Beitrag Civil law partnership (GbR): formation, liability, legal form, management, taxes erschien zuerst auf ℄ Real Estates.

Market overview: Get to know customers & competitors – Setting up your own business part 5

Laura — Mon, 19 Aug 2019 11:00:29 +0000

Market overview: Customer & competitor analyses – Central answers here are above all the typical W-questions, who are your customers? Where are your customers? How do you reach your customers? Here you show in the business plan who will be interested in your product and who are the potential buyers. Above all, you show that you understand and know which methods to choose in order to reach exactly these identified target groups. Besides the pure facts, for example around geographical data but also around interests, it is also about deeper psychological characteristics. Certain behaviours make us adopt the same patterns on a daily basis. Here you come back to: Founding a company.

Market overview: Know the competition, reach customers

Quite simple, daily recurring situation is the regular working hours. Almost half of the people leave the workplace around afternoon, evening. When should we switch all too advertising for shopping in the supermarket? Early at 10 o’clock or better just before closing time? Exactly. All such questions are answered here.

Going deeper, you take a look at the future development. Especially with agencies, it happens quickly that you are / will be dependent on a few major customers. But even as a supplier, you usually only have a few customers who demand your full attention. If one of these customers falls away, revenue deficits of proportions arise quickly that you don’t have in a business with a large customer base. Where are the risks and how will you deal with these situations?

Questions for your business plan

In this part of the business plan, answer the following questions about your customers:

Who are your customers? Where are your customers?
How does the target group buy and where / from whom?
Psychological characteristics such as attitudes and behaviours

After the rough analysis of your customers, we go into the details. From their needs to competitor products to your own reference customers, which raise the image of a brand (reliability in similarly sized companies or larger) and thus increase sales. When and why do your customers buy and if so what?

What needs/problems do your customers have?
Which products are already available?
Do you already have reference customers? If so, which ones? What is the short- and long-term sales potential associated with them?
Are you dependent on a few major customers?
How will the target group develop in the future?

Customer analysis: The goal is marketing strategies

Depending on the depth of the business plan, you should describe these points in detail. Because ultimately many other factors result from this, e.g. marketing strategies that specifically address these target groups.

Who are your customers? Where are your customers?

Describe clearly in a few key points who your customers are. It is particularly important to describe the target group as well as possible. This means clear and precise statements about demographic characteristics, interests, personal circumstances from monthly income to living situation, from singles to couples and families, typical professions, typical places where the people stay. Furthermore, it is also about the concrete needs, the basic problems of the customers. Where is there a concrete problem? Many things have made people’s lives easier, from bicycles to candlelight to electricity, the computer, smartphone and many more. Where does your product come in? What problems does it solve, how does it make people’s lives easier? First, start by listing your customers and their characteristics in detail.

Age
Gender
Income
Occupation
Purchasing behaviour
Private or business customers
…

Competitor product analysis

Here comes a first, small competition evaluation in the business plan.

Which products are already available?

Always take a look at the competition and learn from them what is currently available on the market, i.e. what works. Does your product already exist in the same form, perhaps from another country? Do you have enough special features to place your product next to existing ones? If so, what makes your product special and what distinguishes it from the others? Questions upon questions! You have to find the answers and of course think about whether there are further questions that you need to answer based on your individual business idea.

Guidebook: Setting up your own business & business plan

You want to start your own business as a real estate agent or with another business idea? We support you with tips on your business plan and concept. Whether self-employed full-time or part-time self-employed: If you want to start your own business, you have to think about many things, in advance and in the operational business. From the right idea to health insurance – what do you have to consider when you want to become self-employed?

There is no education or training for entrepreneurs. One is or is not a managing director. What is always important is your own ambition, because that is the only way to improve every day.

The topics at a glance:

Business Plan
Founder and founding team
Product / Service: USP
Increase customer satisfaction
Market Overview: Customers & Competition
Reference customers: Positive image transfer
Market analysis / validation: business idea
Site selection
Marketing concept: Sales
Advertising: Google Ads, SEO, Newspaper, Radio?
Marketing: Media advertising, costs and CPM
Marketing: trade fairs, training courses and trade advertising
Marketing: sales talk, telephone call and psychology
Marketing: promotions, discounts and special offers
Marketing: Social Media and Online Advertising
E-business: electronic commerce in the enterprise
Cooperations: Cooperative Principle
Financial planning: capital and financing

Here you come back to the overview:

Form a company
Legal forms: OHG, KG, GmbH, AG & Co.

Der Beitrag Market overview: Get to know customers & competitors – Setting up your own business part 5 erschien zuerst auf ℄ Real Estates.