Island

The island of Juist inspires numerous tourists every year and attracts with a beautiful view and nature, as well as numerous restaurants, bars and cafes. Juist is located in the north of Germany and lies between the two islands of Norderney and Borkum. For the crossing with the ferry you need about 1 hour and 40 minutes. Especially for people who are looking for absolute relaxation and tranquility, a holiday home on Juist is ideal. The car-free island can only be reached by ferry or private boat, and since the ferry does not run often, the island is never crowded by many tourists.

Facts

• Area: 16,43km²
• Length: 17 kilometres
• Width: 500-900 meters
• Population: 1,721
• Federal state: Lower Saxony

Boardwalk

The beach promenade of Juist offers one thing above all: a beautiful view over the sea. This is the ideal place to invest in a holiday home, so you can spend numerous days on this beautiful German island. The real estate on this road is among the most expensive in Germany, which is why prosperity is assumed. Here, in the numerous high-priced restaurants and bars, the elite get together and have a good time. So if you have a property to offer in this area, you can consider yourself very lucky indeed.

The price per square metre here is

Maximum price up to 16,400 €/ sqm

Here you will find top adresses like:

• Viewing platform
• Hohe Düne Restaurant & Umbrella Bar
• Café del Mar Juist

Beach promenade on Juist (Map):

You want to explore the area? Here you can have a look at the surroundings in a virtual way!

Living on the beach: Weststrand, Knyphausenstraße, Kaiserstraße

Norderney is one of the East Frisian islands in the North Sea. Only seven of the 12 islands are inhabited. With its almost 7,000 inhabitants, Norderney is the most densely populated island of all and delights with its unspoilt nature, picturesque beaches and multitude of sights and monuments.

List: The most expensive places & streets

Before we take a closer look at the individual streets on Norderney, you will now get an overview of the most expensive streets on the island. The purchase price per square metre is between €10,000 and €12,000.

• On the west beach
• Kaiserstrasse
• Knyphausenstraße

On the west beach

The street Am Weststrand in Norderney convinces with its proximity to the beach. Several bars, restaurants, playgrounds and green spaces are also located here. Whether it’s an exclusive holiday apartment with a view of the sea or a permanent residence away from the mainland – everyone feels at home here. So if you want to buy a plot of land on Am Weststrand, you have to reckon with 11,200 euros per square metre.

The price per square meter here is 11.200€ /sqm

Maximum price up to 11.200€/ sqm

Here you will find top adresses like:

• North Sea
• Beach promenade with bars

Map and location of the street Am Weststrand

See for yourself and explore the street Am Weststrand in a virtual way.

Streetview On West Beach:

Kaiserstraße: Living on the beach

Who wouldn’t want to live right on the beach? On Kaiserstrasse, this is possible with the right budget. for around 10,000 euros per square metre, you can buy an apartment, flat or house. The unbeatable location on the island is complemented by numerous restaurants and leisure facilities.

The price per square meter here is 10.100€ /sqm

Maximum price up to 10.100€/ sqm

Here you will find top adresses like:

• Direct location at the North Sea
• Beach promenade with bars
• Golf Club
• Hotels
• Numerous restaurants

Map and location of Kaiserstraße:

See for yourself and explore the Kaiserstraße in a virtual way.

Streetview Kaiserstrasse:

Knyphausenstraße: Central living

Norderney can not only beach! If you prefer to live centrally in the city and don’t miss the view of the sea, you will find Knyphausenstraße among the top 3 most expensive streets in Norderney. In addition to numerous holiday apartments, you can also find a property for sale here from time to time. But watch out: The real estate market of the island, is similar to Sylt overrun and very popular.

The price per square meter here is 10.000€ /sqm

Maximum price up to 10.000€/ sqm

Here you will find top adresses like:

• Restaurants
• Many holiday homes
• Small shopping mile

Map and location of Knyphausenstraße:

See for yourself and explore the Knyphausenstraße in a virtual way.

Streetview Knyphausen Street:

Overview: Most expensive residential streets in Norderney

Sources: Image / Engel und Völkers / Lukinski

Most expensive streets in Germany: real estate, districts & prices per square metre

Berlin, Munich, Sylt & Co: Germany’s metropolises are home to some of the most luxurious properties. Inselstraße in Berlin, Königinstraße in Munich and Südliche Seestraße on Lake Starnberg – only those who can afford it live here! Would you like to buy a property here? Find out everything about Germany’s most exclusive streets, what makes them so special and above all: how much a square metre costs here.

• Most expensive streets in Germany: properties, districts and prices per square metre – List

Tips & Tricks Real Estate Norderney: To live or to buy

Finding a suitable property is not always easy. Especially if you are looking on the thriving and most popular real estate markets in Germany. Besides the right budget, there are other factors that need to be considered. On Norderney or Sylt, for example, there are many villas and large properties, while in the big cities of Germany the housing market is booming.

Buying a Villa: Exclusive property – house, investment, checklist, procedure

You will not find exposés of first-class properties on real estate portals. Villas are bought and sold discreetly. The purchase of real estate has a fixed procedure: Property search, viewing, negotiations, purchase contract, notary, taxes & Co. The purchase of villas is of course a bit more demanding. If only because you certainly don’t want to waste time on 8, 9 or even 10 viewings, like normal house buyers. Are you looking to buy your first villa? Here’s a little insight into the world of luxury real estate.

• Buying a Villa: Exclusive property – house, investment, checklist, procedure

Holiday home & holiday apartment: Buy instead of rent!

The dream of a holiday home exists for many city dwellers. Whether a house by the sea on Sylt or Norderney, in the warm south or simply a retreat in the country. However, there is a lot to consider when making such a big decision and you should plan well before you decide to take that big step. In this post, you’ll find out all about taxes, costs, second homes and property abroad. However, if you’re more interested in the pros and cons and features of such a property, feel free to check out our post on buying a holiday home.

• Holiday home & holiday apartment: Buy instead of rent! Financing, taxes and renting

The right property abroad: Paris, Alsace or Côte d’Azur?

The decision has been made and you have decided to buy a property abroad in France? Then be sure to read this article, because we offer you helpful tips. In order for your search to be successful, you first need to discover the right online portal for you. Although many online portals have the same basic structure, different filter functions and the focus on the country France can make a difference for the selection.

The most beautiful residential areas France

As everyone knows, France has various charming cities and Mediterranean beaches. No wonder that many do not immediately know where to start looking for a property abroad in France. While there are various beautiful places to live, not all places to live will satisfy your desires. For this reason, we have picked out 5 different places to live in France to help you make your choice.

Investing in real estate: France

Living and working abroad is a very memorable experience, professionally, personally, culturally and of course financially. In this free guide, you’ll get investment tips for all the major cities in Europe, America and Asia, from New York to London to Paris.

• Investing abroad: Real estate (external)

Toulouse: The pink city

Toulouse is located in the southwest of France and is the fourth largest city. In Toulouse there are very many buildings that are made of red bricks and for this reason it is often called the “pink city”. Not only is it often very windy here, but there is also no shortage of tourists as there are many places of interest. Toulouse is also a good starting point for those who want to make a career. That is why there are also countless students.

Toulouse city video with resident

Map & Location

Paris: City of Love

The city of love. Just about everyone wants to have been there at least once in their life. You’ve already been there, fallen in love with the city and are now considering buying a property abroad in Paris? One thing should be clear to you right from the start, especially with this city: Paris is very expensive. But Paris is not for nothing one of the most famous cities in Europe. Here you will not only find good French cuisine, but also culture and art play a significant role. No wonder that the city seems very crowded. However, you still have the choice whether you want to live directly in the hectic city or in the somewhat quieter surrounding countryside. While the surrounding countryside is more often chosen by families, students often like to choose the city centre.

Paris from above: Video

Paris Map & Location

Eifel Tower 360°: International Relevance & Landmark

Nice: Port city

The port city of Nice is particularly popular and there is often a lot going on here as well, because there is a large shopping mile and the nightlife is not neglected either. Families therefore like to choose residential areas that are a little further away from the centre. If you are interested in what sights Nice has to offer, you will mostly come across museums and famous old buildings. Should you decide to buy an overseas property in Nice, you will benefit from plenty of sun and beach. Here you have the opportunity to unwind and enjoy the good weather.

Video

Map & Location in France

360° harbour view

Bordeaux: City on the Atlantic

Bordeaux is a very popular city to live in – but why? Quite simply, this city fulfils all wishes. On the one hand you have the city life and many career opportunities and on the other hand it is not far to the sea. So, should you buy a property abroad in the middle of Bordeaux and have too much of the hectic city life in between, you can just grab your car or bike and be at the sea in not too long.

Video

Bordeaux: Map & Location

Lyon: Little Paris

The city of Lyon is often known as “Little Paris”. Students are especially drawn to this city, as there are countless universities here. The advantage of Lyon? Compared to other cities, such as Paris, it is much cheaper here. Lyon has a lot to offer. Besides shopping and nightlife, there is also a charming old town and great French cuisine. Since it is only “little Paris”, people here are less stressed and hectic and thus often more open to be found. If you are interested in a property in Paris, but find it too expensive, or if the hectic pace of life makes you doubtful in the long run, Lyon could be the perfect alternative for you.

Video

Map & location: Lyon

Monaco and Monte-Carlo: principality

If you like the French Mediterranean coast, you’ll love the Principality of Monaco. As in many exclusive places in this world, it is not so easy to buy a property in Monaco. Those who are often in Kitzbühel in winter, for example, know that one has to live in Kitzbühel for 5 years in order to be allowed to buy a property or a plot of land. But why does a city council do such a thing? It is mainly to protect the residents, because the more “speculators” come to such a relatively small town or principality, the greater the vacancy of properties. Used once a year as a holiday home or never if the property is considered a pure speculative investment. But Monaco also wants to protect itself from this by such regulations. Accordingly, there are laws that clearly regulate the acquisition of real estate and land.

• Buy property Monaco

House & Apartment for sale in France

From the valuation to the speculation tax. In this guide you will find all the important factors simply explained. Learn step by step the procedure in the apartment sale to be able to answer the question: Selling with or without an estate agent? The private sale of real estate involves many risks and sources of error, starting with the apartment valuation to the offer price to the individual marketing, from “advertising” to internal customer network and off market real estate sales.

• Sell apartment
• Sell house
• Sell land
• Sell property

Buying: Portals for cheap real estate

Real EstateScout24

Everyone knowsImmobilienScout24. This real estate website brokers properties all over the world. Here you will not only find properties for sale, but also if you are looking for a property that is rented, you are exactly right here. If you are looking for a property on ImmobilienScout24, you will benefit from a clear presentation and also the popularity of this portal.

Green-Acres.com

This online portal focuses on France, Portugal, Spain, Italy and Greece. This could be the right place for you if you are already sure that you want to buy a property abroad, but still doubt whether France is the right country. You have the possibility to make comparisons, which can concern the price, the area or also the location.

Franimo

As the name“Franimo” suggests, this online portal focuses solely on France. Accordingly, this website has a lot of properties for different places in France to offer. If you haven’t found a favourite place in France for yourself yet, you can read our place recommendations further down in the article beforehand.

AuSud

The online portal“auSud” also only deals with the country of France. The most important information about a property is clearly presented here in a table and there is also a small description of the property. You can specify the price range from the outset and also the location.

Immowelt

The portal Immowelt mediates real estate all over the world and for this reason also has a large offer for France. Sellers have the opportunity to create clear advertisements for their properties. The contact is usually directly under the ad and you have the opportunity to immediately contact the seller.

Buying property abroad: Tips

• New York, LA, London & Co: Luxury Real Estate
• Real estate agent
• Buy a holiday home
• Foreign property Italy
• Foreign property Spain
• Foreign property Mallorca
• Luxury Real Estate Mallorca
• Off market – especially in hot real estate markets

Holiday home and apartment: additional costs, location & taxes

Modern property in the countryside or in holiday areas are often on offer. The perfect properties for those who want a quiet retreat. However, such an investment is by no means cheap and finding the right property is not easy. In addition, you should consider a few things before you decide to buy.

Prices of €200,000 to €300,000 are quite common for smaller properties of 40 to 50 square metres of living space.

If you want a luxury property, you have to pay a lot more. Depending on the area, prices naturally differ and properties vary. Whether abroad or at home, before you acquire a second residence, you should clarify important points.

Investing in real estate: France

Living and working abroad is a very memorable experience, professionally, personally, culturally and of course financially. In this free guide, you’ll get investment tips for all the major cities in Europe, America and Asia, from New York to London to Paris.

• Investing abroad: Real estate (external)

Incidental purchase costs: What do you have to pay?

When buying a holiday home, you have to expect similar ancillary costs as with a normal house purchase. Depending on the property, renovation costs may be added to the purchase price first and foremost, as most properties need a little new paint, possibly a new kitchen or bathroom.

Looking for inspiration? In the FIV Magazine you will find tips for living room, kitchen, bathroom & Co (external): Furnishing.

The furnishing of the house is also added to the new construction. Your holiday home also needs to be furnished, because you want to feel comfortable in your place to relax. Apart from these additional costs, there are also costs for the interest.

Financing a holiday home with a real estate loan

If you take out a loan to finance your holiday home, you will usually only get one with high interest rates for such a project. So compare different lenders and check where you are offered the best interest rates. Of course, you will also have to pay, for example, the land transfer tax or the notary.

Buying property abroad in Europe

• New York, LA, London & Co: Luxury Real Estate
• Foreign property France
• Foreign property Spain
• Foreign property Mallorca

Location and property prices

Depending on the location in which you are looking for a house, the real estate prices are cheaper or more expensive. So think carefully in advance about how much space you need in a holiday home and look explicitly only for houses that really meet your size requirements.

Houses that are too big will only make more work for you and drive up the price unnecessarily. Also consider where your holiday home should be located, because the location can also make a lot of difference to the price.

Example: Romantic holiday home by the sea, near Hamburg.

Winter garden and idyllic summer nights:

Taxes: Tourist tax holiday residence (second home tax)

Depending on the municipality in which your holiday home is located, the municipality may charge a so-called second home tax, which is usually around 10 percent of the annual rent.

Secondary residence tax approx. 10 % of the annual cold rent

Allotments with gazebo?

However, owners of allotment gardens with a gazebo are not affected by this regulation as long as the gazebo does not exceed a size of 24 square metres and the premises are not used for permanent living.

Real estate in holiday areas

For real estate in holiday areas, resort taxes are also due. Again, there is an exception for allotment gardens, these spa taxes are only required if a water and electricity connection is available and thus makes the gazebo a property.

Lease, right of termination and technical equipment

Who shies away from these costs, however, there are still other possibilities to get a holiday home. A property could be leased, but there is the risk that the homeowner insists on his right of termination and you can be terminated. The dream of a holiday home is then quickly over.

Of course, you can also build a holiday home yourself. Here, the costs for the land and a building permit are added. In addition, there is a building ban in some holiday areas, for example in flood protection areas. In addition, it must be noted that possible costs for water and electricity connections are added, which must be laid to the construction site.

Real estate transfer tax on the purchase of real estate

When you buy a holiday home, or more precisely a plot of land or part of a plot of land, you pay land transfer tax. The amount of the tax is determined by the individual federal states. As a rule, the real estate transfer tax ranges between 3.5 percent and 6.5 percent. You can find the current real estate transfer tax rate here, with example purchase prices of 1 – 5 million euros:

• Real estate transfer tax table

Holiday home abroad: special regulations & legal situation

Buying a holiday home abroad can quickly turn out to be more difficult than you think and you should be clear about the legal situation of the country before you make a decision. Abroad, some completely different rules than in Germany and blanket guidelines are not possible, because it varies from country to country. Depending on the situation of the country, there are different regulations that you must observe.

Mallorca: #1 for holiday homes in Germany

Exclusive luxury property for sale in Mallorca:

Small, green oasis with fireplace in the backyard.

Purchase contract: Written form & notary are obligatory

Probably the most important thing is that you never buy a property without a written and notarized purchase contract. With a purchase contract you are always on the right side and protected. In Spain, a verbal commitment is usually sufficient to achieve legally binding effects. In Turkey the transfer of ownership on a piece of paper is sufficient. And although other regulations are often customary abroad, you should still insist on the written contract.

Dedication: What does that mean?

In some countries, the use of the property as a holiday home requires a specific dedication. Check before you buy whether such a regulation has been included in the contract, so that you can use the property properly later. You should also check whether you, as a foreigner, can expect to own real estate in the desired country / area at all or whether you are not entitled to do so. Here, too, there are different regulations depending on the country.

Regulations on coastal protection, inheritance law and planning permission

When buying abroad, you should also pay attention to existing regulations on coastal protection, inheritance law or rights of way.

Many houses or apartment complexes have been built without planning permission or in coastal protection zones and can therefore be demolished at any time by a government order. Properties are also often of dubious construction quality or built illegally, which puts your protection at risk.

So when buying a property, ask to see all the necessary documents and insist on planning permission. A cadastre is also important to delineate what the property includes. In some countries, only rough indications have been made here and there is no legal certainty for you.

Europe: France, Italy, Turkey & Co.

Holiday home in Istanbul:

Exclusive furnishings in Kartepe.

Relaxing above the rooftops of the city.

Rent out a second home as a holiday home: Tips & Tricks

Many people buy a holiday home under the assumption that they will also rent it out if the property is not being used themselves. Not a bad idea, because a little extra income is actually always quite good. However, if you want to rent out your property, there are a few things you need to consider.

Good location generates interest

For example, location is very important.

Holidaymakers want central holiday apartments.

For example, close to the beach or just downtown. They usually want to see the place and not just stay in the apartment all day. An attractive location is therefore the key to successfuly rent out your property and also to be able to charge a good price for it. The better the location, the higher the price you can charge.

Attractive equipment

In addition, your property must have some equipment to be attractive for guests. Sufficient bedrooms, possibly a sofa bed to create more sleeping possibilities, a good kitchen with modern appliances and entertainment program, such as TV or Wi-Fi.

Your property should leave nothing to be desired and offer your guests everything they need on holiday. Bed linen, towels and a well-equipped kitchen are just as important as tips for great excursions and restaurants nearby and cleanliness on arrival. Special features such as a rooftop terrace or a pool will add tremendous value to your property.

Buy and rent

The real estate market is booming, everyone wants to get a piece of the pie. They also know that if you’re smart about it, you can get really rich with real estate investing. But how do you get started? How do you get there, buy your first apartment and rent it out? You can find out here, from real estate investor Alex Fischer:

• Buy and rent (external)

Viewing appointment: convince seller / broker

You have been looking for a new property for a long time. Berlin, Hamburg, Cologne or Munich, a house for the family because the apartment is simply too small for everyone, a new apartment because you want to move in with your partner or simply a move to a new city. When looking for an apartment, you always come to one point – the viewing appointment. For many an exciting appointment, because you can now see the property in real life, which you have only seen on pictures until then, but for others also a stressful appointment, where you meet other co-interested parties, the landlord or the agent.

• Do you need to bring documentation?
• What is your best course of action?
• How do you make the perfect first impression to actually get the property of your dreams?

In order to avoid making mistakes that in retrospect will be your undoing, there are a few things to keep in mind. From the important first impression at the viewing appointment, to the good organization of all documents. So that you don’t forget anything and can soon move into your dream property, here are the 11 most important tips.

• Viewing appointment

Buying a weekend home: Get out of the daily grind

Buying a weekend house – A weekend house can be used in a very diverse way. You can spend your free time and holidays there. In addition, it is possible to rent out the weekend house and thus generate additional income. Weekend houses are quite often on offer in Hesse and Rhineland-Palatinate. There are many beautiful regions in the federal states that are very popular with the people who live there.

Some weekend homes are located in popular holiday regions. Others are considered more of an insider tip and are hidden away on the edge of the mountains, near the Main River or in the middle of nature. If you want to buy a weekend house, you can choose whether you prefer nature, water or mountains. Decide on a location that you individually prefer. Weekend homes are not designed for residential purposes. They are for recreational purposes. For this reason, it is important that you feel comfortable in the area. If you are planning a rental, you should find out which locations are particularly popular. We will be happy to assist you in this and offer you weekend houses that exactly meet your individual requirements.

• Buy weekend house

Buy a farm: Country house in the green

Buying a farm – The decision to buy a farm is made by families as well as couples or singles in middle or older age, who want to change and appreciate the individual form of living in the midst of nature. We offer you farms in attractive rural locations.

Buying your own farm as a permanent residence or as a weekend home. You need to decide if you want to buy a property in need of renovation. These farms can often be purchased at a very reasonable price. Alternatively, there are properties that have already been refurbished by their previous owner and are in a modern and very good condition. These farms are usually ready for immediate occupation. However, you will have to expect a higher purchase price. This is especially true if the farm is in a very central location with a good infrastructure.

• Buy farm

Buying property abroad: Tips

• New York, LA, London & Co: Luxury Real Estate
• Real estate agent
• Foreign property France
• Foreign property Italy
• Foreign property Spain
• Foreign property Mallorca
• Luxury Real Estate Mallorca
• Off market – especially in hot real estate markets

Buying real estate: Tips from the investor (external)

Buying real estate but also investing in real estate requires a lot of knowledge and expertise. The best way to learn is to draw from the experience of professionals. Therefore, in conclusion, a recommendation for real estate beginners.

Newcomer Tips + Germany Comparison: Buying Real Estate

External guide (link opens in new tab):

• First property purchase
• Buying real estate: What to look out for?
• Buying mistakes
• Save taxes with real estate

Comparison of cities: Purchase prices in Germany (external)

In these individual guides to the major German cities are the important districts for real estate buyers, information on the infrastructure, as well as prerequisites for the purchase such as income, creditworthiness (credit rating), banks and equity. But much more important: mistakes, risks, rental yields and more. What is decisive for the purchase price and the valuation? Everything about location, building fabric, renovations, equipment and all that, free of charge.

External guides (link opens in new tab)

City / Purchase Price Current:

• Munich ~ 8,993 Euro / m²
• Frankfurt ~ 6,701 Euro / m²
• Stuttgart ~ 6,324 Euro / m²
• Berlin ~ 5,578 Euro / m²
• Hamburg ~ 5,507 Euro / m²
• Düsseldorf / Cologne ~ 5,470 Euro / m²

Construction loan or real estate loan?

Choose the loan for home financing based on your financing project – The financing methods are similar, but still have some important differences for your financing project. With a classic construction loan, you can finance a new construction project cheaply.

You should bear in mind that the loan is not paid out in one sum, but in tranches per construction phase. For the house purchase of an existing property, a construction loan is therefore unsuitable, so you need another form of home financing.

Choose the loan for home financing based on your financing plan

Frequent questions in counselling interviews are in particular:

• How do I get a home loan?
• How much equity should I put into my home financing?
• What do I need to consider when financing a home?
• What support is available for home financing?

Annuity loans, forward loans or combined financing

You have the option of financing your property via an annuity loan, a forward loan or a combined financing including a particularly low-interest KfW loan. The decisive factor is whether you are a first-time or follow-up financier, when the purchase of a house is on your agenda and whether you want a full repayment loan or a property financing with equity. There is no one-size-fits-all home financing solution for every potential homeowner.

Therefore, we recommend that you contact experts with your request and discuss the topic of home financing based on your ideas, wishes and possibilities. Based on your financing plan, they will create an offer for you, with which you can finance cheaply and with a home loan that suits you.

Tip. All real estate loans at a glance & comparison

Would you like to fulfil your dream of owning your own home, a condominium, a building plot or a commercial property? Then the right choice of real estate loan determines how high the interest burden and thus the total cost of your real estate loan will be. Even when choosing a real estate loan, you as a potential buyer are faced with many questions and considerations, such as whether you should choose a classic annuity financing or opt for another form of financing. Follow-up financing is also possible in various ways. Ultimately, you are faced with the question of whether you are better off with a long and fixed debit interest rate or with a flexible real estate loan.

• Real estate loans

New construction or existing properties

If you are buying a new building, you are well advised to take out a fixed home loan with no additional scope for modernisation or energy-efficient refurbishment. Based on the value of the newly built property, you can take out an annuity loan secured by a land charge. With a fixed monthly instalment, you are well advised with this solid home financing and benefit from the fact that there is no change during the period of the fixed borrowing rate.

If you would like to finance more flexibly and not be tied to a long-term interest rate when buying a house, there are other house financing options. The attractiveness of an offer is determined by the match of the financing to your ideas and your personal wishes regarding the repayment and fixed interest rate.

Real estate agent & your advantages through experts

Real estate agents with many years of experience offer you the advantage of financing your new construction or existing property purchase project in the best possible way and opting for a worry-free and cost-secure term.

If your heart beats for a charming existing property and the need for modernisation is prevalent, they will be happy to advise you on home financing with a connected modernisation loan. Hardly any other type of loan offers as much scope as real estate financing. If you want to fulfil your dream of a house and need help in the jungle of financing options, you are on the right track with good brokers. They will help you find the right financing method and benefit from an offer that underpins your decision to buy a house with the advantage of tailor-made home financing.

Home financing: How much equity is advisable?

We recommend that you include existing equity in your home financing. With an equity ratio of between 20 and 30 percent, you can secure some interest rate advantages.

Equity ratio between 20 and 30 percent

Your equity lowers the net loan amount and the term, making you “debt free” much faster with your own capital investment. With a good credit rating and other collateral, it is possible to fully finance a house without any equity at all.

We will be happy to find out whether home financing without your own financial commitment is suitable for you as part of an initial consultation. You can obtain an initial overview of the conditions under which we can support your project with home financing by requesting a quote for real estate financing.

Equity means a better return

If you have equity, you should not push for full repayment in favor of a better interest rate and pay longer and more that way. It is understandable and a wish of many of our customers to hold back a small amount of equity for unforeseen repairs or purchases.

Acquire existing property & modernisation

If you are purchasing an existing property and are planning a modernisation or want to ensure greater energy efficiency, you can ask us directly about home financing with scope for the desired craftsmen’s services. We know from experience that such a combined home financing is more favourable for you than a real estate loan, which you apply for without equity at a much higher interest rate.

Calculator: rate, repayment rate, residual debt

What will your planned construction financing cost you? But much more important in everyday life, how high will your monthly burden be and what happens if the repayment rate changes later? How high will the remaining debt be at the end of the fixed interest rate? Many questions, this rate calculator gives you all the important answers to rate, repayment rate and residual debt.

• Rate calculator