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	<title>Erste Immobilie | Lukinski</title>
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		<title>4 investment tips for beginners: acquisition, yield, financing &#038; renting &#8211; new video!</title>
		<link>https://lukinski.com/4-investment-tips-for-beginners-acquisition-yield-financing-renting-new-video/</link>
		
		<dc:creator><![CDATA[L_kinski]]></dc:creator>
		<pubDate>Mon, 25 Sep 2023 16:49:23 +0000</pubDate>
				<category><![CDATA[Law]]></category>
		<category><![CDATA[Real estate]]></category>
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		<category><![CDATA[Erste Immobilie]]></category>
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		<guid isPermaLink="false">https://lukinski.de/4-investment-tips-for-beginners-acquisition-yield-financing-renting-new-video/</guid>

					<description><![CDATA[4 Investing Tips for Beginners &#8211; The world of investing can often be overwhelming for beginners. There are many different ways to invest money, but one of the most stable and attractive options is investing in real estate. In this article, we&#8217;ll dive into the world of real estate investing and I&#8217;ll give you 4 [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>4 Investing Tips for Beginners &#8211; The world of investing can often be overwhelming for beginners. There are many different ways to invest money, but one of the most stable and attractive options is investing in real estate. In this article, we&#8217;ll dive into the world of real estate investing and I&#8217;ll give you 4 important tips on how to get started successfuly in this field as a beginner. Subscribe now: <a href="https://www.youtube.com/channel/UCB6atmJK79XXKL6jXUvffZQ?sub_confirmation=1" target="_blank" rel="noopener">Lukinski YouTube</a>!</p>
<h2>Entry into capital investment real estate: 4 basics</h2>
<div class='avia-iframe-wrap'><iframe title="4 Basics Of Real Estate Investment | Acquisition, Yield, Financing, Rental" width="1500" height="844" src="https://www.youtube.com/embed/sX-PDVHH2F8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen loading="lazy"></iframe></div>
<h2>Real estate acquisition: how to find cheap real estate, houses and apartments?</h2>
<p>Finding the right property is the first step on the road to a successful investment. To find affordable properties, you should rely on various resources. Real estate portals on the Internet, real estate agents, auctions and even personal contacts can help you discover suitable offers. Be sure to check different locations and types of properties to have a wide range of options.</p>
<ul>
<li>Use personal contacts and networks</li>
<li>Neighborhood</li>
<li>B2B contacts (brokers, administrators, craftsmen, &#8230;)</li>
<li>Direct approach to owners</li>
</ul>
<h2>Real estate yield: what is yield and how do you calculate it?</h2>
<p>The yield is a decisive factor for your investment. It indicates how much profit you will make from your property. To calculate the return, divide the annual net rental income by the <a href="https://lukinski.com/calculate-purchase-price-property-ancillary-costs-taxes-notary-land-register-checklist-example/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/kaufpreis-berechnen-nebenkosten-steuern-notar-grundbuch-checkliste-beispiel/" data-id="54241">purchase price of the property</a> and multiply the result by 100 to express the return as a percentage. A good return depends on several factors, such as the property&#8217;s location, rental rates and <a href="https://lukinski.com/operating-costs-apportionable-service-charges-maintenance-water-supply-explanation-definition/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/betriebskosten-umlagefadehige-nebenkosten-instandhaltung-wasserversorgung-erklaerung-definition/" data-id="54236">operating costs</a>. As a rule of thumb, a return of 5% or more is considered acceptable.</p>
<ul>
<li>Yield measures the profit of your real estate investment</li>
<li>Calculation: (Annual net rental income / purchase price of the property) x 100</li>
<li>Factors for good returns: location, rents, operating costs</li>
<li>Target: Return of 5% or more</li>
</ul>
<h2>Financing: equity and repayment plan</h2>
<p>Most real estate investors require <a href="https://lukinski.com/real-estate-financing-loan-types-interest-rates-comparison-free-calculator/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilienfinanzierung-kredit-arten-zinsen-vergleich-kostenlose-rechner/" data-id="44569">financing</a>, and <a href="https://lukinski.com/equity-when-buying-real-estate-monthly-burden-rolling-equity-co/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/eigenkapital-immobilienkauf-monatliche-belastung-rollierendes-eigenkapital/" data-id="54245">equity</a> is critical here. It is usually recommended to raise at least 20% of the purchase price as equity in order to obtain more favorable loan terms and minimize risk. The financing itself consists of interest and <a href="https://lukinski.com/repayment-of-a-loan-for-the-purchase-of-real-estate/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/tilgung-eines-darlehens-beim-immobilienkauf/" data-id="44111">repayment</a>. A <a href="https://lukinski.com/annuity-loans-explanation-advantages-disadvantages-repayment-schedule/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/annuitaetendarlehen-vorteile-nachteile-tilgungsplan-erklaerung/" data-id="29946">repayment plan</a> will help you organize the repayment of the loan and ensure that you remain financially sound in the long term.</p>
<ul>
<li>Recommended equity: at least 20% of the purchase price</li>
<li>Financing consists of interest and repayment</li>
<li>Create a repayment plan for structured repayment of the loan</li>
<li>Look for favorable credit conditions</li>
</ul>
<h2>Property management: letting, avoiding vacancies and maintenance reserves</h2>
<p>After the purchase of your property comes the phase of management. This is about finding tenants, avoiding vacancies and keeping the property in good condition. You can rent it out yourself or leave the management to a professional property management company. Make sure to set up a <a href="https://lukinski.com/maintenance-reserve-weg-to-prevent-property-related-problems/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/instandhaltungsruecklage-weg-zur-vorbeugung-immobilienbezogener-probleme/" data-id="44181">maintenance reserve</a> to be able to finance unexpected repairs and renovations.</p>
<ul>
<li>Finding tenants and avoiding vacancies</li>
<li>Choice between self-management and property management company</li>
<li>Establishment of a maintenance reserve for repairs and renovations</li>
<li>Long-term care of the property for value retention</li>
</ul>
<h3>Favorable real estate, yield, financing and renting</h3>
<p>Investing in real estate can be a profitable and long-term stable way to <a href="https://lukinski.com/wealth-building-real-estate-stocks-cryptocurrency-capital-accumulation-with-20-30-40-years-tips/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/vermoegensaufbau-immobilie-aktien-kryptowaehrung-kapitalaufbau-20-30-40-jahren-tipps/" data-id="44437">increase</a> your <a href="https://lukinski.com/wealth-building-real-estate-stocks-cryptocurrency-capital-accumulation-with-20-30-40-years-tips/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/vermoegensaufbau-immobilie-aktien-kryptowaehrung-kapitalaufbau-20-30-40-jahren-tipps/" data-id="44437">capital</a>. With the above tips, you can lay the groundwork for successful real estate investment as a beginner. However, it is important to note that real estate investing comes with risks, and it is advisable to do thorough research before investing and seek professional advice if necessary. However, with the right preparation and a clear plan, you can make great progress on the road to financial independence and security.</p>
<h2>Lukinski YouTube: Yield, Capital Investment &amp; Co.</h2>
<p>Discover with me the crucial factors, key figures and basics of real estate investment. Compared to other forms of investment, real estate offers a &#8216;safer&#8217; way to invest capital with consistent returns and long-term appreciation. Want to invest your money wisely? My recommendation: Real estate, passive income and a good life.</p>
<ul>
<li><a href="https://www.youtube.com/channel/UCB6atmJK79XXKL6jXUvffZQ?sub_confirmation=1" target="_blank" rel="noopener">Lukinski YouTube</a></li>
</ul>
<p>More?</p>
<h2>10 golden investment rules</h2>
<p>Start your real estate journey right! Time and time again, people dream of investing in real estate, but few turn that dream into reality. These 10 indispensable rules are key to turning your ideas into successful real estate ventures. No bullshit. 10 Clear Rules.</p>
<ul>
<li><a href="https://lukinski.com/10-golden-investment-rules-real-estate-as-an-investment-return-equity-reputation-acquisition/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/10-goldene-investment-regeln-immobilien-als-kapitalanlage-rendite-eigenkapital-reputation-akquise/" data-id="174974">10 golden investment rules</a></li>
</ul>
<p><a href="https://lukinski.com/10-golden-investment-rules-real-estate-as-an-investment-return-equity-reputation-acquisition/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/10-goldene-investment-regeln-immobilien-als-kapitalanlage-rendite-eigenkapital-reputation-akquise/" data-id="174974"><img decoding="async" src="https://lukinski.de/wp-content/uploads/2023/08/investment-rules-real-estate-golden-kapitalanlage-regeln-immoblie-haus-wohnung-gold-checkliste.jpg" /></a></p>
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		<title>Lukinski Real Estate YouTube Channel: Investments, Villas, Acquisition &#8211; new video!</title>
		<link>https://lukinski.com/lukinski-real-estate-youtube-channel-investments-villas-acquisition-new-video/</link>
		
		<dc:creator><![CDATA[L_kinski]]></dc:creator>
		<pubDate>Sun, 24 Sep 2023 15:59:59 +0000</pubDate>
				<category><![CDATA[YouTube / Video]]></category>
		<category><![CDATA[Annual rent]]></category>
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		<category><![CDATA[Expert fees]]></category>
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		<category><![CDATA[Ownership rate]]></category>
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		<category><![CDATA[Video]]></category>
		<guid isPermaLink="false">https://lukinski.de/lukinski-real-estate-youtube-channel-investments-villas-acquisition-new-video/</guid>

					<description><![CDATA[Lukinski Real Estate YouTube Channel &#8211; If you&#8217;re as gripped as I am by the fascination of real estate investing, then I now have my new YouTube channel for you. I&#8217;ll talk to you about investments, real estate, condos, returns, financing, acquisition and negotiation in real estate &#8211; for beginners and novices. Subscribe now: Lukinski [&#8230;]]]></description>
										<content:encoded><![CDATA[<p><a href="https://www.youtube.com/channel/UCB6atmJK79XXKL6jXUvffZQ" target="_blank" rel="noopener">Lukinski Real Estate YouTube Channel</a> &#8211; If you&#8217;re as gripped as I am by the fascination of real estate investing, then I now have my new YouTube channel for you. I&#8217;ll talk to you about investments, real estate, condos, returns, financing, acquisition and negotiation in real estate &#8211; for beginners and novices. Subscribe now: <a href="https://www.youtube.com/channel/UCB6atmJK79XXKL6jXUvffZQ?sub_confirmation=1" target="_blank" rel="noopener">Lukinski YouTube</a>!</p>
<h2>Learn real estate investing from the ground up</h2>
<p>The beginning: I still remember how overwhelming it was for me when I first started looking into real estate investing. <a href="https://lukinski.com/rental-yield-explained-build-wealth-definition-formula-for-your-yield-real-estate/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilien-rendite-erklaert-vermoegen-aufbauen-definition-formel-rendite-immobilie/" data-id="54257">Yield calculations</a>, <a href="https://lukinski.com/real-estate-evaluate-factors-on-line-free-of-charge-flat-house-multi-family-house/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilie-bewerten-faktoren-online-kostenlos-wohnung-haus-mehrfamilienhaus/" data-id="30172">valuations</a> and all those technical terms &#8211; it can be really intimidating. But Lukinski walks you through it from the beginning, explaining everything you need to know to get started in this fascinating world.</p>
<div class='avia-iframe-wrap'><iframe title="Lukinski x YouTube! &#x1f4c8; About me, real estate, app, Villas - XL" width="1500" height="844" src="https://www.youtube.com/embed/BmpYXANiLpk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen loading="lazy"></iframe></div>
<h3>Quick evaluation and acquisition</h3>
<p>An important part of real estate investing is the ability to quickly evaluate properties and develop smart <hiddenlink href="https://lukinski.de/immobilien-akquise-insider/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilien-akquise-insider/">acquisition strategies</hiddenlink>. And that&#8217;s exactly what Lukinski will show you! You&#8217;ll learn how to quickly evaluate properties and identify the best investment opportunities.</p>
<h3>Personal insights and B2B strategies</h3>
<p>What I particularly like about Lukinski is the personal insights. You meet successful investors who share their experiences and strategies. That&#8217;s worth its weight in gold! There are also tips and tricks on how to successfuly build B2B relationships in real estate.</p>
<h2>My mission! Increase own surplus in Germany</h2>
<p>My mission with the new <a href="https://www.youtube.com/channel/UCB6atmJK79XXKL6jXUvffZQ" target="_blank" rel="noopener">YouTube Channel</a> is to make it as easy as possible to enter the world of real estate in Germany.</p>
<blockquote><p>In our country, only 42.1 percent of people own their apartments or houses, while about 57.9 percent live in rental housing.</p></blockquote>
<p>By comparison, 62.9 percent in the U.S. and as many as 70.0 percent in Europe own their own homes.</p>
<p>My goal is to break the myth that the real estate market is complicated and unapproachable. This is not about suits and ties, but practical, easy to understand knowledge. On my channel you can learn step by step how to invest in real estate. We will cover topics like yield calculation, real estate acquisition, <a href="https://lukinski.com/real-estate-financing-loan-types-interest-rates-comparison-free-calculator/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilienfinanzierung-kredit-arten-zinsen-vergleich-kostenlose-rechner/" data-id="44569">financing options</a> and much more.</p>
<p>Together we will explore the world of real estate investing and discover the opportunities it can offer without sacrificing elegance!</p>
<h2>Real Estate Guru App</h2>
<p>Oh, and&#8230;</p>
<blockquote><p>Small bonus for even more success!</p></blockquote>
<p>But that&#8217;s not all! If you thought Lukinski alone was great, let me tell you about the <a href="https://lukinski.com/real-estate-guru-app-learn-investment-capital-investment-calculator-training-craftsman/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilien-guru-app-investment-lernen-kapitalanlage-rechner-training-handwerker/" data-id="173894">Real Estate Guru app</a>. Here you&#8217;ll already find over 50 calculators and tools to help you with your real estate investments. From yield calculations to financing, this app has it all!</p>
<h3>#1 Real Estate Investment Training in the World</h3>
<p>And the icing on the cake is the world&#8217;s first real estate investment training with an incredible 70 individual lessons. Here you will be trained to become a true real estate guru!</p>
<blockquote><p>That was real work!</p></blockquote>
<h3>Online and free of charge, from anywhere!</h3>
<p>The best part? You can use Lukinski and the Real Estate Guru app completely free online. Whether you&#8217;re in Cologne, Berlin, Los Angeles, or anywhere else, these resources are open to you. You can access valuable knowledge and insights from anywhere.</p>
<h2>Never miss a thing &#8211; subscribe and use the app</h2>
<p>If you want to dive into the world of real estate investing or just want to deepen your knowledge, Lukinski is the channel you should subscribe to. And don&#8217;t forget to download the Real Estate Guru app to have even more tools for your success.</p>
<p>So, what are you waiting for? Subscribe to the channel, get inspired, use the app and start your real estate investing journey! I&#8217;m sure you&#8217;ll be as excited as I am.</p>
<h2>Lukinski YouTube: Yield, Capital Investment &#038; Co.</h2>
<p>Discover with me the crucial factors, key figures and basics of real estate investment. Compared to other forms of investment, real estate offers a &#8216;safer&#8217; way to invest capital with consistent returns and long-term appreciation. Want to invest your money wisely? My recommendation: Real estate, passive income and a good life.</p>
<ul>
<li><a href="https://www.youtube.com/channel/UCB6atmJK79XXKL6jXUvffZQ?sub_confirmation=1" target="_blank" rel="noopener">Lukinski YouTube</a></li>
</ul>
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		<title>Alex Fischer Wiki: Real Estate, Taxes, Book, Courses, Seminars &#8211; Experiences</title>
		<link>https://lukinski.com/alex-fischer-wiki-real-estate-taxes-book-courses-seminars-experience/</link>
		
		<dc:creator><![CDATA[L_kinski]]></dc:creator>
		<pubDate>Sat, 08 Jan 2022 21:09:12 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Annual rent]]></category>
		<category><![CDATA[Coaching]]></category>
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		<category><![CDATA[condominium]]></category>
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		<category><![CDATA[Finance]]></category>
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		<category><![CDATA[Real value]]></category>
		<guid isPermaLink="false">https://lukinski.de/alex-fischer-wiki-real-estate-taxes-book-courses-seminars-experience/</guid>

					<description><![CDATA[Alex Fischer is a German entrepreneur, real estate investor, and author, who is mainly known for his book &#8220;Richer than the Geissens&#8221; and his YouTube channel. The focus of his work is a concept: using real estate as a tool for tax savings and building wealth — especially for self-employed individuals, entrepreneurs, and employees with [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>Alex Fischer is a German entrepreneur, real estate investor, and author, who is mainly known for his book &#8220;Richer than the Geissens&#8221; and his YouTube channel. The focus of his work is a concept: <strong>using real estate as a tool for tax savings and building wealth</strong> — especially for self-employed individuals, entrepreneurs, and employees with higher incomes.</p>
<h2>Who is Alex Fischer?</h2>
<p>Alex Fischer was born in 1973 in Munich. His parents were teachers with an interest in real estate, which is how he came into contact with the topic at an early age. After finishing high school, he completed an apprenticeship as an insurance salesman with a focus on life insurance, company pension provision, real estate financing, and investment. He then studied business administration.</p>
<p>Even during his studies, he switched to self-employment, deepened his practical knowledge through further training alongside his job, and learned from investors with a combined 127 years of real estate experience (according to his own statement).</p>
<p>Im Jahr 1994 gründete er seine erste Firma, 1996 eine Finanzberatungsgesellschaft in Form einer GmbH und 1998 seine erste Baufirma. Heute lebt und arbeitet Alex Fischer in Düsseldorf.</p>
<blockquote><p>&#8220;In procurement lies the profit — whoever buys cheaply has already earned before he rents out.&#8221;<br />— Alex Fischer, roughly from various YouTube videos</p></blockquote>
<h2>The Tax-Saving Concept Explained Simply</h2>
<p>The core of Alex Fischer&#8217;s approach is not rocket science, but new for many: <strong>Whoever invests money in real estate can save considerable taxes</strong> — legally and systematically. This works through several levers:</p>
<ul>
<li><strong>Depreciation (AfA):</strong> Buildings can be depreciated for tax purposes over decades. For listed buildings, even accelerated depreciation is possible.</li>
<li><strong>Operating expenses:</strong> Interest, management, repairs — all deductible against rental income or other earnings.</li>
<li><strong>Asset management GmbH:</strong> For larger portfolios, a central Fischer topic: profits within the GmbH are taxed at about 15% corporate tax instead of the private top tax rate.</li>
<li><strong>Tax-free sale:</strong> After a holding period of 10 years, profits from the sale of real estate for private individuals are tax-free. Further information on this topic can be found in the article on <a href="https://lukinski.com/steuerfreier-immobilienverkauf-10-jahres-frist-spekulationssteuer-berechnen/">tax-free real estate sales</a>.</li>
</ul>
<p>This concept is not a Fischer invention — but he has popularized it and made it understandable for a broad audience.</p>
<h2>Apartment buildings as core investments</h2>
<p>Fischer recommends apartment buildings as a preferred investment because:</p>
<ul>
<li>Multiple rental units distribute the risk of vacancies</li>
<li>Management costs per unit are lower than for single-family homes</li>
<li>Financing is possible with good creditworthiness without or with little equity</li>
<li>Cash flow (rental income minus costs) can be positive from the time of purchase</li>
</ul>
<p>More information can be found in the article <a href="https://lukinski.com/mehrfamilienhaus-kaufen/">buying an apartment building</a> — including calculation examples and what buyers should pay attention to.</p>
<h2>Books and courses</h2>
<p>Alex Fischer&#8217;s most famous work is the book <strong>„Richer than the Geissens&#8221;</strong>, which has reached over 200,000 readers. It is aimed at beginners and describes his journey from insurance salesman to real estate investor. The book can be ordered for free (only shipping costs apply).</p>
<h3>Courses and Coachings</h3>
<ul>
<li>Real Estate Investor Master Course</li>
<li>Tax Coaching — Saving Taxes with a System</li>
<li>Career Power Coaching</li>
<li>Financial Intelligence Coaching</li>
<li>Homeowner Coaching</li>
<li>Leadership Power Coaching</li>
<li>The Small Real Estate Seminar (over 253 sessions)</li>
</ul>
<p>The courses are expensive (several thousand euros). Fischer also publishes extensive free material on YouTube and as a podcast.</p>
<h3>YouTube and Podcast</h3>
<p>His YouTube channel has over 100,000 subscribers — he was one of the first German-speaking creators to reach this milestone in the field of real estate and taxes. The most viewed videos:</p>
<ol>
<li>The Time Bombs in the Pension Decision (Part 1) — over 1.8 million views</li>
<li>How to Recognize the Right Purchase Price of a Property — about 900,000 views</li>
<li>How to get started in real estate — approx. 780,000 views</li>
<li>Save taxes by really understanding the tax game — approx. 670,000 views</li>
<li>Real estate financing without equity — approx. 580,000 views</li>
</ol>
<p>The podcast &#8220;Richer than the Geissens&#8221; is available on Spotify, Apple Podcasts and other platforms as a free audiobook.</p>
<h2>Facts and figures</h2>
<ul>
<li>Over 20 years of experience in the real estate and finance sector</li>
<li>Over 841 seminars conducted</li>
<li>Management of over 2,000 apartments in purchase and sale</li>
<li>Over 523 published professional publications (according to his own statement)</li>
<li>Media reports in n-tv, Wallstreet Online and other professional media</li>
</ul>
<h2>Criticism and objective assessment</h2>
<p>Fischer&#8217;s basic principle — buying real estate with positive cash flow, legally optimizing taxes — is generally acknowledged by experienced investors. Criticism of Fischer usually concerns the following points:</p>
<ul>
<li><strong>Simplified risk presentation:</strong> In videos and books, opportunities are often emphasized more than risks (vacancy, maintenance, interest rate increases, construction defects).</li>
<li><strong>Expensive Coachings:</strong> For thousands of euros in course fees, participants gain knowledge that in many cases is also accessible through books, free videos, or conversations with experienced investors.</li>
<li><strong>Practical Application:</strong> The tax-saving model works well for people with high income and stable creditworthiness. For career starters or people with low income, it is harder to implement.</li>
</ul>
<p>Anyone using Fischer&#8217;s content should consider it as a starting point — and always secure their investment decisions with an independent tax advisor and a financial expert. Further basics on the topic of <a href="https://lukinski.com/kapitalanlage-immobilien-wohnung-haus-vermietung-rendite/">Investment Real Estate</a> help with getting started.</p>
<h2>Who is Alex Fischer suitable for?</h2>
<p>Fischer&#8217;s approach is particularly relevant for:</p>
<ul>
<li>Self-employed individuals and entrepreneurs with high tax liability</li>
<li>Employees with an annual income of around 60,000–80,000 EUR, for whom tax optimization has a noticeable effect</li>
<li>People who already own 3–5 apartments and want to scale up</li>
<li>Investors looking to enter multi-family homes and heritage real estate</li>
</ul>
<p>For absolute beginners without equity or with low income, the barriers in practice are higher than in theory. Heritage real estate as a tax-saving tool is a topic of its own — more on this in the article <a href="https://lukinski.com/buy-historical-property-tax-benefits-costs-risks-2026/">Buy heritage real estate</a>.</p>
<h2>Comparison to other real estate coaches</h2>
<p>In the German-speaking region, there are several well-known personalities in the field of real estate coaching. Alex Fischer is one of the pioneers of this format. Differences to other coaches:</p>
<ul>
<li><strong>Focus on tax:</strong> Fischer has established tax savings as a central theme — more so than most others.</li>
<li><strong>Free content:</strong> Compared to purely high-priced coaches, Fischer publishes a lot for free.</li>
<li><strong>Practical relevance:</strong> He actively invests himself — which distinguishes him from pure theorists.</li>
</ul>
<p>A direct comparison with other coaches is difficult, as independent return proofs are rarely published. Anyone who wants to <a href="https://lukinski.com/immobilien-kaufen/">Buy Real Estate</a> should use multiple sources and not consider a single person as the sole authority.</p>
<h2>Common Questions About Alex Fischer</h2>
<h3>What exactly does Alex Fischer do?</h3>
<p>Alex Fischer is a real estate investor, book author, and coach. He runs a YouTube channel, publishes books, and offers paid coaching on topics such as real estate, taxes, and wealth building. His best-known work is &#8220;Richer than the Geissens.&#8221;</p>
<h3>How credible is Alex Fischer&#8217;s strategy?</h3>
<p>The basic principle — buying real estate with positive cash flow and optimizing taxes — is sound and tested in practice. Points of criticism concern the simplification of risks and the pricing of the coaching. Anyone who develops the fundamentals themselves and understands solid <a href="https://lukinski.com/steuern-sparen-immobilien-tipps-eigentuemer-vermieter-kapitalanleger/">tax-saving strategies for real estate</a> is well prepared.</p>
<h3>What is Alex Fischer&#8217;s wealth?</h3>
<p>Exact figures are not publicly verifiable. Fischer speaks of a real estate portfolio in the double-digit million range. A significant portion of his income is likely to come from coachings, books, and YouTube. No independent confirmation is available.</p>
<h3>Is there a Wikipedia entry for Alex Fischer?</h3>
<p>Currently, there is no Wikipedia article about Alex Fischer (the Dusseldorf real estate investor). This article serves as an objective information source about his person and approach.</p>
<h3>Which book by Alex Fischer is recommended?</h3>
<p>Beginners are best advised to start with &#8220;Richer than the Geissens.&#8221; It is available free of charge (only shipping costs) and conveys his basic concept in a concise manner. For more advanced topics such as taxes and GmbH structures, his specialist videos on YouTube are recommended.</p>
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		<item>
		<title>Lukinski Kapital: Founding and running a company &#8211; podcast on Spotify, Apple, Deezer &#038; Co.</title>
		<link>https://lukinski.com/lukinski-kapital-founding-and-running-a-company-podcast-on-spotify-apple-deezer-co/</link>
		
		<dc:creator><![CDATA[L_kinski]]></dc:creator>
		<pubDate>Wed, 05 Jan 2022 17:21:50 +0000</pubDate>
				<category><![CDATA[Agentur]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[AI]]></category>
		<category><![CDATA[Annual rent]]></category>
		<category><![CDATA[Artificial intelligence]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Erste Immobilie]]></category>
		<category><![CDATA[Establish company]]></category>
		<category><![CDATA[Marketing]]></category>
		<category><![CDATA[Noleggio]]></category>
		<category><![CDATA[Prospective buyer]]></category>
		<category><![CDATA[Purchasing]]></category>
		<category><![CDATA[start a business]]></category>
		<category><![CDATA[Willows]]></category>
		<guid isPermaLink="false">https://lukinski.de/lukinski-kapital-founding-and-running-a-company-podcast-on-spotify-apple-deezer-co/</guid>

					<description><![CDATA[Back at last! My podcast on Spotify, Apple Podcast, Amazon, Google and Deezer. Corona is coming to an end and it&#8217;s time for you to start your own business! The launch and kickoff. How much does it cost to start a business? What does it take to start a company? Can anyone start a company? [&#8230;]]]></description>
										<content:encoded><![CDATA[<p>Back at last! My podcast on <a href="https://open.spotify.com/show/4IOnrV8LsU2lhNiGefjGLR" target="_blank" rel="nofollow noopener noreferrer">Spotify</a>, <a href="https://podcasts.apple.com/de/podcast/lukinski-kapital/id1542462542" target="_blank" rel="noopener noreferrer">Apple Podcast</a>, <a href="https://music.amazon.de/podcasts/3dca2830-1a07-477c-b7cc-a38957597409/Lasse-Lukinski" target="_blank" rel="nofollow noopener noreferrer">Amazon</a>, <a href="https://www.google.com/podcasts?feed=aHR0cHM6Ly9sYXNzZWx1a2luc2tpLnBvZGlnZWUuaW8vZmVlZC9tcDM%3D" target="_blank" rel="nofollow noopener noreferrer">Google</a> and <a href="https://www.deezer.com/show/1918112" target="_blank" rel="nofollow noopener noreferrer">Deezer</a>. Corona is coming to an end and it&#8217;s time for you to start your own business! The launch and kickoff. How much does it cost to start a business? What does it take to start a company? Can anyone start a company? How can I start a small company? From the first steps to tax types, legal forms, capital investments&#8230;. Here you will learn the basics of company formation and management.</p>
<h2>Podcast for business beginners</h2>
<p>We had the first virtual humans walk at a fashion show in Europe. We created virtual avatars at the Berlin Fashion Week for the first time worldwide, especially for a fashion brand. We were guests at Business Insider but also at TV stations like RTL.</p>
<p>Step by step.</p>
<p>The same way you build a business.</p>
<p>My vision is not to establish AI overnight, we want to learn about the different possibilities, play with them, we want to use, develop and combine AI.</p>
<p>Example.</p>
<h3>Now on Spotify, Google, Deezer, Apple &#038; Co.</h3>
<p>Spotify, Google Podcast, Deezer and on Apple Podcast (formerly iTunes).</p>
<ul>
<li><a href="https://open.spotify.com/show/4IOnrV8LsU2lhNiGefjGLR" target="_blank" rel="nofollow noopener noreferrer">Spotify</a></li>
<li><a href="https://podcasts.apple.com/de/podcast/lukinski-kapital/id1542462542" target="_blank" rel="noopener noreferrer">Apple Podcast</a></li>
<li><a href="https://music.amazon.de/podcasts/3dca2830-1a07-477c-b7cc-a38957597409/Lasse-Lukinski" target="_blank" rel="nofollow noopener noreferrer">Amazon</a></li>
<li><a href="https://www.deezer.com/show/1918112" target="_blank" rel="nofollow noopener noreferrer">Deezer</a></li>
<li><a href="https://www.google.com/podcasts?feed=aHR0cHM6Ly9sYXNzZWx1a2luc2tpLnBvZGlnZWUuaW8vZmVlZC9tcDM%3D" target="_blank" rel="nofollow noopener noreferrer">Google</a></li>
</ul>
<p><iframe src="https://open.spotify.com/embed/episode/0CnVd6hQ94z89TRewDJ0P9?utm_source=generator" width="100%" height="232" frameborder="0" allowfullscreen="allowfullscreen" loading="lazy"></iframe></p>
<div class='avia-iframe-wrap'><iframe loading="lazy" title="Podcast &#x1f680; Firmengründung und Geschäftsführung | Lukinski Kapital Podcast" width="1500" height="844" src="https://www.youtube.com/embed/K7YbFkAFxmE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen loading="lazy"></iframe></div>
<h2>Learn business skills, trading and real estate</h2>
<p>Learn about the business world together with me. From absolute basics, like the <a href="https://lukinski.com/legal-forms-company-enterprise-real-estate-gbr-kg-gmbh-ag-co-comparison-advantages-and-taxes/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/rechtsformen-firma-unternehmen-immobilien-gbr-kg-gmbh-ag-co-vergleich-vorteile-steuern/" data-id="39941">types of companies</a>, the <a href="https://lukinski.com/taxes-in-germany-income-tax-corporate-tax-capital-gains-tax-trade-tax-co-list/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/steuern-deutschland-einkommensteuer-koerperschaftsteuer-kapitalertragsteuer-gewerbesteuer-liste/" data-id="45145">types of taxes</a>, to more complex topics, for example <a href="https://lukinski.com/learn-currency-trading-experience-tax-example-for-forex-trading-forex/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/waehrungshandel-lernen-erfahrungen-steuer-beispiel-devisenhandel-forex/" data-id="33042">currency trading</a>, <a href="https://lukinski.com/cryptocurrency-strategies-3-investor-tips-for-crypto-stocks-co-buy-sell/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/kryptowaehrung-strategien-anleger-tipps-crypto-aktien-kaufen-verkaufen/" data-id="45356">trading cryptocurrencies</a>, but also buying real estate, as an <a href="https://lukinski.com/real-estate-capital-investment-attention-interview-lukinski-expert/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilie-als-kapitalanlage-worauf-muss-ich-achten-interview-experten/" data-id="29935">investment</a>.</p>
<p>Why is it so important to understand business types? <a href="https://lukinski.com/understand-convert-build-assets-tax-optimization-tax-free/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/steuern-verstehen-umwandeln-vermoegen-aufbauen-steueroptimierung-steuerfrei/" data-id="30554">To understand taxes</a>?</p>
<blockquote><p>You are the architect of your own happiness.</p></blockquote>
<p>Nobody but you can control (your explicit) business processes (so) intelligently. Controlling does not mean that you do everything. Controlling means that you act responsibly and delegate tasks. If you are the head of the company, you are the person responsible for its success.</p>
<blockquote><p>You are the leader.</p></blockquote>
<p>You don&#8217;t need to understand everything in detail, but you do need to understand the context. If you don&#8217;t know what your team or outsiders are doing, you can never judge whether a decision is good or bad for you and your company.</p>
<blockquote><p>Don&#8217;t be a specialist, be a generalist.</p></blockquote>
<h2>Examples from practice: An insight</h2>
<p>Example: Establish a holding company and secure assets</p>
<p>Let&#8217;s look directly at a practical example for your first company, your first startup. Have you ever dealt with the &#8220;holding model&#8221;? Without going into too much detail, you directly found two companies. More precisely, you found a company and this in turn founds a subsidiary company. The profits of your daughter company are then transferred to the parent company. So if your daughter company gets into trouble at some point, your entrepreneurial assets are secured.</p>
<blockquote><p>9 out of 10 startups fail &#8211; in the first 5 years</p></blockquote>
<p>Did you know that nine out of ten startups fail in the first five years? Once again, 9 out of 10 startups fail in the first five years. What does that mean for you? Imagine you finish school, vocational training, or college and you start with a few friends, you start your own companies. Even with four friends starting up, statistically each of your friends would have to go broke for you to survive as an entrepreneur.</p>
<p>Everyone has to go broke except you &#8211; statistically.</p>
<p>This reality check quickly makes young entrepreneurs realize how difficult the entrepreneurial game will be. Accordingly, it is important that you prepare yourself for the challenges.</p>
<h2>Never see problems again, but solutions</h2>
<p>The fact that you are listening to this podcast is a very good sign that you are interested in the right topics!</p>
<h3>Establish a company: Quick and easy</h3>
<p> <a href="https://lukinski.com/founding-a-company-real-estate-procedure-costs-requirements-legal-forms-7-step-checklist/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/firma-gruenden-immobilien-ablauf-kosten-voraussetzungen-rechtsformen-schritte-checkliste/" data-id="45259">Starting</a> a <a href="https://lukinski.com/founding-a-company-real-estate-procedure-costs-requirements-legal-forms-7-step-checklist/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/firma-gruenden-immobilien-ablauf-kosten-voraussetzungen-rechtsformen-schritte-checkliste/" data-id="45259">company</a> is pretty simple. All you need is a little start-up capital, maybe 1000 euros, an appointment with the notary and &#8211; simply put &#8211; you&#8217;re ready to go. You don&#8217;t even need the 1000 Euro starting capital, for example if you start your own business, as a businessman or businesswoman. Then 30 Euros, an identity card and an appointment at the Bürgeramt or Gewerbeamt are enough.</p>
<p>You only need start-up capital if your company is to be a &#8220;legal entity&#8221;. This means, for example, a <a href="https://lukinski.com/unternehmergesellschaft-ug-haftungsbeschraenkt-foundation-financing-liability-co/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/unternehmergesellschaft-ug-haftungsbeschraenkt-gruendung-finanzierung-haftung/" data-id="45157">UG</a>, Unternehmergesellschaft, which later becomes a <a href="https://lukinski.com/llc-real-estate-forming-advantages-disadvantages-taxes/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/gmbh-immobilien-gruendung-vorteile-nachteile-steuern/" data-id="33978">GmbH</a>, a limited liability company. The big advantage of a legal entity is that you are not liable yourself. At least not in the usual, entrepreneurial activities.</p>
<h3>Comparison offer: profit in purchasing</h3>
<p>Another basic tip, even if it sounds very simple, always get different comparison quotes. Let&#8217;s say you want to build an online store for the products you want to sell in the future. The first online marketing agency will make you an offer of 80,000 euros, the second marketing agency an offer of 170,000 euros and the third marketing agency an offer for only 50,000 euros, with the same scope of services.</p>
<p>Obtaining three different offers alone directly saved 30,000 euros.</p>
<blockquote><p>From saving, you learn to become rich.</p></blockquote>
<p>As an entrepreneur, it is always a matter of knowing your options, testing them and playing your cards. No matter whether it is about the company formation, as in our example of the holding structure or the simple obtaining of various comparative offers to save money already in the purchase.</p>
<p>By the way. A very important tip:</p>
<blockquote><p>In the purchase lies the profit!</p></blockquote>
<h3>Tax structuring = additional wealth creation</h3>
<p>Later, when you have a turnover of a few hundred thousand or even millions, <a href="https://lukinski.com/understand-convert-build-assets-tax-optimization-tax-free/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/steuern-verstehen-umwandeln-vermoegen-aufbauen-steueroptimierung-steuerfrei/" data-id="30554">tax planning </a>becomes an increasingly important issue for you. Of course you can now say, I&#8217;ll get a good <a href="https://lukinski.com/tax-consultant-for-companies-tasks-costs-taxes-risks-tips-find-a-law-firm/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/steuerberater-unternehmen-aufgaben-kosten-steuern-risiken-tipps-kanzlei-finden/" data-id="44483">tax advisor</a>, I&#8217;ll get a financial specialist, but do they really do a good job? Highly paid you notice their mistakes only when you lose money after months or realize after years that millions have become only a few euros. If you don&#8217;t know anything about taxes, you won&#8217;t be able to oversee their work and therefore won&#8217;t be able to judge whether a decision is good or bad for you and your brand.</p>
<h3>Income tax (self-employed) or profit in the company</h3>
<p>An example from the later tax types. If you are self-employed, alone and without a UG or GmbH, you pay income tax. From an annual income of ~ 9,400 euros, the initial tax rate is 14%. The top tax rate for income from ~ 57,000 euros is then already 42%. You reach this tax rate with a monthly income of 4750 euros.</p>
<p>If you make money work for you, you only pay 25% capital gains tax. Above a certain income, you are almost forced to think about tax planning.</p>
<p>Together we take a look at the types of taxes but also real estate as an investment. Because what do all people have in common when they grow old and wealthy? Real estate. That&#8217;s exactly why we will also frequently deal with the topic of <a href="https://lukinski.com/real-estate-capital-investment-attention-interview-lukinski-expert/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/immobilie-als-kapitalanlage-worauf-muss-ich-achten-interview-experten/" data-id="29935">real estate as a capital investment</a>.</p>
<h2>Real estate as an investment</h2>
<p>Real estate as an investment means that you buy a property to rent it out afterwards. The big advantage, if the <a href="https://lukinski.com/rental-yield-vs-purchase-price-factor-explained-calculate-for-quick-valuation-comparison-of-real-estate/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/mietrendite-kaufpreisfaktor-erklaert-berechnen-schnelle-bewertung-vergleich/" data-id="46481">real estate yield</a> is right, which you will learn later, your tenant pays off your property. So to speak, passive capital accumulation.</p>
<h3>Passive wealth accumulation: Financial freedom</h3>
<p>Passive wealth creation? Passive income? Exactly now the alarm bells ring at the latest with many, the passive income, financial freedom, exactly that want many!</p>
<p>To be financially free, you need to be financially successful. If you don&#8217;t happen to have a million-dollar inheritance waiting for you, the only thing you can do is play the lottery or work hard.</p>
<p>Learn the path to entrepreneurship step by step in my podcast.</p>
<p>Once you understand the subject matter and have gathered knowledge through this podcast, but also through other sources of information, it&#8217;s also about marketing. Specifically, <a href="https://socialmediaone.de/performance-marketing-agentur-strategie-conversion-leads/" target="_blank" rel="noopener">performance marketing</a>. If you understand how to build reach and how to convert that reach into customers, then all avenues are open to you. The world is becoming more digital, learn to work with that and play that as your strength, your unfair advantage.</p>
<p>That was Lukinski Capital. The first episode and the prelude to the special: <a href="https://lukinski.com/taxes-in-germany-income-tax-corporate-tax-capital-gains-tax-trade-tax-co-list/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/steuern-deutschland-einkommensteuer-koerperschaftsteuer-kapitalertragsteuer-gewerbesteuer-liste/" data-id="45145">Taxes in Germany</a>.</p>
<h2>Now on Spotify, Google, Deezer, Apple &#038; Co.</h2>
<p>Spotify, Google Podcast, Deezer and on Apple Podcasts (formerly iTunes).</p>
<ul>
<li><a href="https://open.spotify.com/show/4IOnrV8LsU2lhNiGefjGLR" target="_blank" rel="nofollow noopener noreferrer">Spotify</a></li>
<li><a href="https://podcasts.apple.com/de/podcast/lukinski-kapital/id1542462542" target="_blank" rel="noopener noreferrer">Apple Podcast</a></li>
<li><a href="https://music.amazon.de/podcasts/3dca2830-1a07-477c-b7cc-a38957597409/Lasse-Lukinski" target="_blank" rel="nofollow noopener noreferrer">Amazon</a></li>
<li><a href="https://www.deezer.com/show/1918112" target="_blank" rel="nofollow noopener noreferrer">Deezer</a></li>
<li><a href="https://www.google.com/podcasts?feed=aHR0cHM6Ly9sYXNzZWx1a2luc2tpLnBvZGlnZWUuaW8vZmVlZC9tcDM%3D" target="_blank" rel="nofollow noopener noreferrer">Google</a></li>
</ul>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-52385" src="https://lukinski.de/wp-content/uploads/2022/01/podcast-lukinski-kapital-finanzen-steuern-startup-firma-gruenden-podcast-spotify-apple-deezer-cover.jpg" alt="Lukinski Podcast Cover: Finanzen, Steuern, Firma gründen und Marketing" width="717" height="600" /></p>
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		<item>
		<title>Buying your first property: House &#038; apartment as an investment or owner-occupier</title>
		<link>https://lukinski.com/buying-your-first-property-house-apartment-as-an-investment-or-owner-occupier/</link>
		
		<dc:creator><![CDATA[L_kinski]]></dc:creator>
		<pubDate>Sat, 07 Aug 2021 12:02:58 +0000</pubDate>
				<category><![CDATA[apartment]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Real estate]]></category>
		<category><![CDATA[Angebotsvergleich]]></category>
		<category><![CDATA[Annual rent]]></category>
		<category><![CDATA[Apartment handover]]></category>
		<category><![CDATA[Boot]]></category>
		<category><![CDATA[Buy apartment house]]></category>
		<category><![CDATA[Caravan]]></category>
		<category><![CDATA[condominium]]></category>
		<category><![CDATA[Erste Immobilie]]></category>
		<category><![CDATA[Exclusive]]></category>
		<category><![CDATA[Geldentwertung]]></category>
		<category><![CDATA[Insider Tip]]></category>
		<category><![CDATA[Instandhaltungskosten]]></category>
		<category><![CDATA[Internship]]></category>
		<category><![CDATA[Photographers]]></category>
		<category><![CDATA[Profitability calculation]]></category>
		<category><![CDATA[Quick check]]></category>
		<category><![CDATA[Real estate selection]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Wallpapering]]></category>
		<category><![CDATA[Yachthafen]]></category>
		<guid isPermaLink="false">https://lukinski.de/buying-your-first-property-house-apartment-as-an-investment-or-owner-occupier/</guid>

					<description><![CDATA[Buying property &#8211; house purchase or apartment purchase, every week we receive many questions from readers and customers &#8211; time for a guide! The entire process from A-Z, with all the tips, formulas, definitions for owner-occupiers (self occupy) and capital investors (buy and rent). Personal goals, criteria for real estate search, quick evaluation, as well [&#8230;]]]></description>
										<content:encoded><![CDATA[<p><a href="https://lukinski.com/buy-luxury-real-estates-facts-prices-the-most-expensive-cities/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/luxusimmobilie-kaufen-fakten-preise-teuersten-staedte/" data-id="19027">Buying property</a> &#8211; <a href="https://lukinski.com/buy-house-financial-planning-broker-commission-loans-service-charges/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/haus-kaufen-finanzplanung-makler-provision-kredite-nebenkosten/" data-id="29903">house purchase</a> or <a href="https://lukinski.com/buy-apartment-costs-real-estate-agents-renting-ownership-rent/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/wohnung-kaufen-kosten-makler-vermietung-eigentumswohnung/" data-id="29908">apartment purchase</a>, every week we receive many questions from readers and customers &#8211; time for a guide! The entire process from A-Z, with all the tips, formulas, definitions for owner-occupiers (self occupy) and capital investors (buy and rent). Personal goals, criteria for real estate search, quick evaluation, as well as detailed examination of figures and substance of the property, up to the negotiation with the real estate seller. Financing, purchase transaction, purchase contract, land register, taxes and handing over the keys. Everything, for real estate beginners, on <a href="https://immobilien-erfahrung.de" target="_blank" rel="noopener">Immobilien-Erfahrung.de</a>.</p>
<h2>Buying real estate for beginners: New now!</h2>
<p>For the first property, house or apartment, as an investment or for owner-occupiers, here we now collect knowledge and tools (formulas, etc.) for real estate beginners. In fact, we receive many emails, the questions become more and more, hence the idea to create a new project that specializes exclusively on the subject:</p>
<ul>
<li><a href="https://immobilien-erfahrung.de" target="_blank" rel="noopener">Buy property</a> &#8211; Immobilien-Erfahrung.de</li>
</ul>
<p>Of course, with a focus on real estate as an investment (for rental, further sale), after all, you want to earn money with real estate! The first condo, the second condo, the third and fourth. Learn the basics here, with tips, experiences and mistakes. That way, you&#8217;ll be optimally prepared to buy your first property! You can find the entire guide now on Immobilien-Erfahrung.de.</p>
<blockquote><p>After the cover (link to page), I&#8217;ll still introduce you to the steps involved in buying a condo or house.</p></blockquote>
<p>PS: The book cover by me is just to clarify, it&#8217;s a lot of knowledge! I wish you much success in buying your first condo(s) or house(s)!</p>
<p><a href="https://immobilien-erfahrung.de" target="_blank" rel="noopener"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-46259" src="https://lukinski.de/wp-content/uploads/2021/08/buch-marketing-empfehlung-texte-immobilien-stuttgart-architektur-lukinski.webp" alt="" width="1080" height="1050"/></a></p>
<p>Let&#8217;s take a look at the contents together, in a brief overview.</p>
<h2>Criteria of the property: goals?</h2>
<p>Step number 1: We define your personal goals. Simply put:</p>
<ul>
<li>Real estate for own use and / or</li>
<li>Real estate as an investment</li>
<li>Real estate as a capital investment (with sufficient creditworthiness)</li>
</ul>
<p>So before it goes into the real estate search process, think about your goals as a real estate investor. Are you simply concerned with self-interest or do you want the famous &#8220;financial freedom&#8221;, &#8220;never work again&#8221; and &#8220;live off real estate&#8221;, in other words &#8220;live very well&#8221;.</p>
<blockquote><p>Retirement provision Self-interest &#8211; Stop!</p></blockquote>
<p>It&#8217;s interesting that many get a property for their own use and then assume &#8220;I&#8217;ll never have to pay rent again!&#8221;</p>
<p>Many people make the mistake of thinking that if I buy a property for my own use, I&#8217;ll be set for my old age and live rent-free! A fatal mistake, because operating costs are always incurred. If the property is later 20, 30 or even 40 years old, there will also be many repairs, renovations and modernizations.</p>
<blockquote><p>Therefore you think also with the goal &#8220;only&#8221; own use, about a second real estate, as capital investment!</p></blockquote>
<p>At least to pay the operating costs in old age, as well as repairs and for a monthly, small return from the rent, the by then, already paid off property.</p>
<p>In addition to <a href="https://www.immobilien-erfahrung.de/eigennutz-immobilie-kapitalanlage-vorteile-nachteile-einfach-erklaert/" target="_blank" rel="noopener">self-interest vs capital investment</a>, it&#8217;s about examining your own financial situation. The big question:</p>
<blockquote><p>How much real estate can you afford?</p></blockquote>
<p>But you also get to know parameters, e.g. the location.</p>
<p>The perfect segue to your property search criteria.</p>
<h2>Location, apartment type and condition</h2>
<p>The following is about finding the right location for your real estate investment. There are different types of camps.</p>
<blockquote><p>What are the 3 types of location for real estate?</p></blockquote>
<p>You know the saying of all real estate agents and investors: &#8220;Location, location, location&#8221;. They are right, because location is a big parameter in your (later) profitability calculation.</p>
<p>In 99.9% of the cases we speak of A, B and C position.</p>
<h3>A-location: Investment property</h3>
<p>A-location in real estate means:</p>
<ul>
<li>Price: Very high purchase prices / prices per square metre</li>
<li>Purchase of investment property (speculation on future)</li>
<li>Locations like Munich</li>
</ul>
<h3>B-location: Yield property</h3>
<p>B-location in real estate means:</p>
<ul>
<li>Price: High / &#8220;average&#8221; purchase prices</li>
<li>Purchase of income property (cash flow from rental)</li>
<li>Locations like Wiesbaden</li>
</ul>
<h3>C-location: risk property</h3>
<p>C-location in real estate means:</p>
<ul>
<li>Small towns / municipalities in structurally weak regions</li>
<li>Demographic, stagnant or declining development</li>
</ul>
<h3>Choice of location and proximity of the property(ies)</h3>
<p>Ideally, you are looking for / buying a property in a location that is not too far away from your &#8220;life&#8221;. You yourself live in Hanover, but your family lives in Munich? Then sometimes locations that are on the way can also come into question. Practical for viewings and also the later work on and with the property.</p>
<p>On the way are, here in the example, good cities in B-location (more profitable than Hannover, Munich itself), like:</p>
<ul>
<li>Kassel</li>
<li>Nuremberg</li>
<li>Ingolstadt</li>
<li>Göttingen</li>
<li>Würzburg</li>
<li>Erfurt</li>
<li>Jena</li>
<li>Bamberg</li>
</ul>
<p>Here&#8217;s how your site selection works as a real estate newbie, simply put.</p>
<p><iframe loading="lazy" style="border: 0;" src="https://www.google.com/maps/embed?pb=!1m28!1m12!1m3!1d2613193.4176531862!2d8.314306192620963!3d50.23690070366449!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!4m13!3e0!4m5!1s0x47b00b514d494f85%3A0x425ac6d94ac4720!2sHannover!3m2!1d52.375891599999996!2d9.7320104!4m5!1s0x479e75f9a38c5fd9%3A0x10cb84a7db1987d!2zTcO8bmNoZW4!3m2!1d48.1351253!2d11.5819805!5e0!3m2!1sde!2sde!4v1628336255043!5m2!1sde!2sde" width="100%" height="450" allowfullscreen="allowfullscreen" loading="lazy"><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span></iframe></p>
<p>That is, the choice of location refers again to the preparation in step 1. A property that is hundreds of kilometers away and visits are associated with great effort, is not recommended as the first property.</p>
<p>What type of property fits your location, financial situation and demographics? As a real estate investor, there are many different <a href="https://lukinski.com/apartment-types-what-are-the-types-of-apartments-real-estate-guide/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/wohnungstypen-welche-wohnungsarten-gibt-es-immobilien-ratgeber/" data-id="45380">types of apartments</a> and <a href="https://lukinski.com/house-types-what-types-of-houses-are-there-real-estate-guide/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/haustypen-welche-hausarten-gibt-es-immobilien-ratgeber/" data-id="45421">houses</a> available to you. The question is, what type of property best fits your personal goals that you defined in Step 1?</p>
<h2>Equity: Financing? Credit rating?</h2>
<p>We&#8217;ve already discussed the question, &#8220;how much property can I afford?&#8221;. Typically, the bank requires about 15% equity, depending on your credit rating, bank and contact person (+/- 5%). However, with good credit, you can manage to finance with 0% equity.</p>
<p>Creditworthiness, i.e. credit rating and available equity, are an important issue for real estate beginners, because who can pay cash for a property?</p>
<p>At the same time, opinions differ here: owner-occupiers should provide as much capital as possible. Investors, on the other hand, should try to provide as little equity as possible for the financing, ideally 0%.</p>
<p>Why and why, learn for free, on Immobilien-Erfahrung.de!</p>
<ul>
<li aria-level="1"><a href="https://immobilien-erfahrung.de" target="_blank" rel="noopener">Buy property</a></li>
</ul>
<h2>Find an apartment: Brokers, portals, &#8230;?</h2>
<p>You have defined your goals, checked the location and found optimal regions and locations for you. You have checked your credit rating, the financing and maybe even a previous financing confirmation for amount XY.</p>
<blockquote><p>Tip! With a prior confirmation of financing from your bank, you will get good, profitable properties much faster.</p></blockquote>
<p>This means that the bank confirms in advance: We would finance Mr or Mrs XY a property worth XY.</p>
<p>Most people look for a property first and then go to their bank. This takes a lot of time and sometimes the seller quickly finds another person, especially in a real estate market like Germany, who buys the property and can provide the appropriate financing immediately.</p>
<p>After that, there are various ways and means to get real estate.</p>
<ul>
<li aria-level="1">Classified ads</li>
<li aria-level="1">Classifieds on Ebay</li>
<li aria-level="1">Real estate portals the ImmobilienScout24, Immonet and others</li>
<li aria-level="1">Contact private network, &#8220;who knows someone who knows someone?&#8221;</li>
<li aria-level="1">Real estate agent, also for accesses, real estate portal publication</li>
<li aria-level="1">…</li>
</ul>
<p>Learn more about property search and the options available to you as a prospective buyer now at Immobilien-Erfahrung.de.</p>
<h2>Valuing a condominium: purchase price?</h2>
<p>You have found a property in your predicted location, at a good price for you, perfect! But is there anything you can do about the price? In general:</p>
<blockquote><p>Is the property, whether an apartment or a house, worth the money?</p></blockquote>
<p>Remember this:</p>
<blockquote><p>An offer price (e.g. real estate portal) is not a sales price.</p></blockquote>
<p>Advantage for you!</p>
<p>At least if you know how to argue for a lower selling price, with meaningful facts. The biggest factor in the reduction of the purchase price is, of course, the substance of the property. But how do you value a property? What aspects are included in a property valuation? What do you have to consider when it comes to common property, living room, bathroom, kitchen, roof truss,&#8230;</p>
<p>A sound property valuation has the most effective impact when it comes to the purchase price design. You cannot find better arguments than clear facts.</p>
<p>You will also learn how to &#8220;value&#8221; a property from the first glance at the offer. More precisely, you calculate the profitability of the property when rented. This value (rental yield) gives an insight, through only 2 factors: purchase price and annual rent.</p>
<blockquote><p>Tip for future real estate investors!</p></blockquote>
<p>There are two things you will constantly need and hear: Rental yield, or more accurately gross rental yield, and the purchase price factor. Both help to quickly evaluate real estate listings. Learn more about the difference here and get to know my recommendation for you, as a real estate beginner:</p>
<ul>
<li><a href="https://lukinski.com/rental-yield-vs-purchase-price-factor-explained-calculate-for-quick-valuation-comparison-of-real-estate/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/mietrendite-kaufpreisfaktor-erklaert-berechnen-schnelle-bewertung-vergleich/" data-id="46481">Rental yield vs purchase price factor</a></li>
</ul>
<h2>Purchase process, notary, land register, handover of keys?</h2>
<p>Last but not least comes the purchase transaction. Everything from the notary, to the preliminary purchase agreement, the purchase contract, land registration, handover of keys and of course all the costs that you, as a real estate buyer, have to transfer to the various agencies.</p>
<p>In addition to the purchase price, there are also the ancillary purchase costs. The ancillary purchase costs, whether house or condominium, consist in most cases of:</p>
<ul>
<li>Notary fees</li>
<li>Costs for the land register entry</li>
<li><a href="https://lukinski.com/realtor-commission-for-private-purchase-new-law-germany-seller-pays-50-of-the-fee/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/maklerprovision-privatkauf-neues-gesetz-verkaeufer-zahlt-courtage/" data-id="32900">Brokerage costs</a></li>
<li><a href="https://lukinski.com/grunderwerbssteuer-meaning-translation-explanation-of-german-real-estate-tax/" data-type="post" data-origin="de" data-origin-url="https://lukinski.de/grunderwerbsteuer-kosten-tabelle-bundeslaender-5-mio-euro/" data-id="31326">Real estate transfer tax</a></li>
</ul>
<p>For real estate buyers, important in the first step, the land transfer tax. The land transfer tax varies depending on the federal state, it is currently between 3.5% and 6.5% of the purchase price.</p>
<p>When the seller, the notary, if necessary the estate agent, as well as the tax office (land transfer tax) have been paid, the entry in the land register can be made.</p>
<blockquote><p>Congratulations, you are the owner of your first property!</p></blockquote>
<p>Learn this process in detail, with insider tips, checklists and much more. Best of all, all free of charge.</p>
<h2>First apartment / first house: Learn for free</h2>
<p>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.</p>
<p>Learn completely free, 24 hours, 7 days a week online. With important calculations, of course, calculations and formulas, as well as their calculation methods, checklists but also valuable experience and mistakes.</p>
<p>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&amp;A and.</p>
<p>This means that with every question you ask, our platform gets better! From the preparation on the real estate purchase, over the purchase price negotiation, up to the subsequent renting, if you buy your real estate as an investment.</p>
<ul>
<li><a href="https://immobilien-erfahrung.de" target="_blank" rel="noopener">Real Estate Experience.com</a></li>
</ul>
<p><a href="https://immobilien-erfahrung.de" target="_blank" rel="noopener"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-46262" src="https://lukinski.de/wp-content/uploads/2021/08/leseprobe-experten-tipps-immobilien-kauf-rendite-investment-kapitalanlage-buch-liegt-auf-schreibtisch-lernen-erfahrungen.jpg" alt="" width="1080" height="1080"/></a></p>
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