Bonitätsprüfung: Definition & Vorgang

Bei einer Bonitätsprüfung wird geprüft, ob der Kaufinteressent sich auch die inserierte Immobilie leisten kann. Das ist einer der wichtigsten Schritte des Immobilienverkaufs und gilt zum Schutz des Verkäufers.

Persönliche & wirtschaftliche Bonität: Erklärung

Unterschieden wird hierbei zwischen der wirtschaftlichen Bonität und der persönlichen Bonität. Die meisten Immobilienkäufer bringen zwar Eigenkapital mit, nehmen für den Kauf der Immobilie aber auch einen Kredit oder ein Darlehen auf. Bei der wirtschaftlichen Kreditwürdigkeit geht es darum, ob ein Kaufinteressent überhaupt in der Lage wäre, dieses Darlehen oder den Kredit wieder an die Bank zurück zu zahlen. Die persönliche Kreditwürdigkeit wird danach definiert, wie bereit ein Kaufinteressent ist, eine solche Finanzierung auch wirklich auf zu nehmen.

Unterschieden wird zwischen:

• Wirtschaftliche Bonität
• Persönliche Bonität

Verfahren: Schufa Selbstauskunft, Kontoauszüge & Co.

Wie liquide ein Käufer ist, können Sie unterschiedlich herausfinden. Wir empfehlen immer die Schufa Selbstauskunft. Der Käufer beantragt die eigene Bonitätsprüfung, die dann an Sie als Verkäufer weiter geleitet wird. Die Vorteile: Sie müssen sich selbst nicht um zu viel kümmern und bauen somit direkt ein Vertrauensverhältnis zum Kaufinteressenten auf – ein Win-Win für beide. Handelt es sich um eine außergewöhnlich hohe Summe, können Sie sich auch Konto- und Depotauszüge geben lassen. Wie viel Geld hat der Käufer auf seinem Konto? Und wie viele Wertpapiere liegen vor? Diese Details können Sie hier einsehen.

Die Verfahren stehen Ihnen zur Verfügung:

• Schufa Selbstauskunft
• Kontoauszüge & Wertpapiere
• Finanzierungszusage der Bank

Wohnung vs. Villa: Kreditwürdigkeit prüfen

Wie detailreich Sie diese Bonitätsprüfung durchführen, hängt vom Haustyp und Immobilientyp Ihres Objekts ab. Je gehobener die Liegenschaft, desto höher der Kaufpreis. Und je höher der Kaufpreis, um so wichtiger auch die Bonitätsprüfung. Zu oft springen Käufer kurz vor Unterzeichnung des Kaufvertrags ab. Und wer muss dann den Notar zahlen? Wenn nicht anders vereinbart, dann Sie selbst. Das sollten Sie unbedingt vermeiden.

Umso höher der Kaufpreis, desto wichtiger die Kreditwürdigkeit des Käufers

Möchten Sie Ihre Eigentumswohnung verkaufen oder ein komplettes Haus? Schauen wir uns beide Fälle genauer an:

Bonität prüfen bei Wohnungsverkauf

Für die relativ gängige Eigentumswohnung genügt in der Regel ein schriftlicher Verkehr oder ein kurzes Telefonat, mit den Interessenten, um durch Erfahrung abzuschätzen, ob die nötigen finanziellen Sicherheiten gegeben sind.

Oft reicht bereits ein kurzes Telefonat!

Bonität prüfen bei Haus & Villa

Handelt es sich aber um eine Stadtvilla, zum Beispiel mit zusätzlichem Interieur im Wert von 8 Millionen Euro, müssen schon die Besichtigungstermine, bzw. die Personen, die hierzu eingeladen werden, genau geprüft werden. Hier geht es nicht nur um die Einrichtung der Immobilie, sondern auch um Kunstwerke und andere kleine Schätze und Vermögensgegenstände. Selbst ein versehentliches Zerkratzen eines Gemäldes kann dann schnell unangenehme Folgen haben.

Je luxuriöser das Objekt, desto umfangreicher die Bonitätsprüfung

Bonitätsprüfungen für Luxusimmobilien sind deshalb auch etwas umfangreicher. Hier geht es nicht um Lohnnachweise, sondern in der Regel um Asset-Nachweise, also Vermögensnachweise. Doch das würde an dieser Stelle zu weit führen.

Was bedeutet Bonität Kreditwürdigkeit? Wie können Sie Ihre Kreditwürdigkeit erfahren? Stichwort, Schufa-Selbstauskunft. Lesen Sie hier mehr zum Thema:

• Bonität: Einfach erklärt

Nach der Interessenten-Filterung und der Prüfung der Kreditwürdigkeit, werden die ersten Besichtigungstermine vom Immobilienmakler vereinbart.

Weiter zu Schritt 11: Besichtigungstermine organisieren & durchführen

Ein Besichtigungstermin muss gewissenhaft vorbereitet werden. Schließlich entscheidet sich hier oft, wer wirklich Interesse an Ihrem Objekt hat und wer als Käufer wegfällt. Je besser die Planung und Durchführung der Besichtigung, um so attraktiver auch Ihre Immobilie.

• Besichtigungstermine organisieren und durchführen

Zurück zu Schritt 9: Kaufinteressenten filtern und auswählen

Die Immobilie wurde inseriert und die Anfragen durchgesichtet. Woher wissen Sie nun, welcher Kaufinteressent am Besten passt? Mehr dazu hier.

• Kaufinteressenten filtern und auswählen

Creditworthiness: Who checks what here?

In modern business dealings, it is impossible to imagine business without the examination of creditworthiness – i.e. credit rating. The reliability in payment matters is already checked with each purchase with a credit card. Installment purchases in the electrical goods market, for example, only work for the customer if the creditworthiness is checked immediately. The classic institution for credit information of any kind is the Schufa. Since 1927, this credit agency, which is organized privately as a public limited company, has been early to assess the reliability of people in terms of their ability and dependability to pay.

Before someone else checks my own creditworthiness, I can always do it myself. Here too, the classic way is to enquire at the Schufa. The first (usually postal) inquiry with Schufa is free of charge. For each further one the Schufa charges a fee of 30,- €. The answer is then also sent by post. For both landlords and tenants, Schufa offers special service packages with which credit information is formally correct.

Of course, there are now also numerous ways to determine your creditworthiness online. The advantage: it is faster and I can look at my own data at any time. If an error is noted there, it can be corrected very quickly. No matter whether Schufa or one of the online providers: Without the use of an ID card, no one can access their credit ratings.

Credits: Current and long-term liabilities

In the first step, for example, information on current or terminated loans, credit cards or credit periods is recorded in the credit check.

Accounts: Bank, shares Depot & Co.

Furthermore, the auditors obtain information from the buyer about his own bank or current accounts, as well as overdraft facilities, mail order accounts or account terminations.

Contracts: Telephone, leasing, payment by installments.

Here, for example, information on the conclusion of contracts, contract cancellations and individual contracts is collected.

Debt: Debtor directories (like Schufa)

This step checks whether entries have already been made in debtor directories. However, such companies also store information on dunning notices, insolvency applications, foreclosures and also on affidavits.

Check Schufa and evaluate data correctly

By obtaining information from a credit investigation agency (Schufa) you create a foundation. But before you decide on a tenant, you should evaluate the data correctly, for which you need a lot of expertise and experience in “reading” the score values. If you make the wrong decision on this point, this circumstance can lead to high follow-up costs and much trouble.

In real estate transactions – and also in the case of letting – the commissioning of a real estate agent naturally also includes checking the creditworthiness of interested parties. This gives you the security to rent to a really solvent applicant. You yourself have no work with the inquiry at the Schufa, since this service belongs to the achievements of the assigned real estate agent.

Likewise, you can be sure that you will only receive recommendations for those applicants who are eligible based on their income and creditworthiness. The evaluation of creditworthiness is carried out according to your criteria as owner. Do you have a very specific idea of the income, or rather the income level of your new tenant? If so, this important basis for you will be taken into account in the search for tenants and included in the screening of potential applicants. The pre-selection sent to you will save you a lot of time and nerves. Your gain is a maximum of security that you have found the right tenant for your property.

Letting with brokers? All advantages at a glance

Whoever thinks of renting out as a real estate owner does not always have an estate agent in mind at first. After all, the use of an estate agent costs money: Since June 1, 2015, the buyer principle has been in force in Germany for the procurement of living space: If you appoint an estate agent, you pay him. If the landlord appoints a broker to act as an agent, he must also pay him. If the broker finds a prospective tenant, the future tenant does not have to pay the broker anything.

What the broker costs when renting out

The amount of the commission is in principle freely negotiable for landlords. Usually it is between 1.5 and 2 net cold rents plus VAT. For tenants, the amount of commission is clearly limited by law: It may not exceed two net cold rents plus value added tax.

But: A real estate agent…

• Saves time and effort
  A good real estate agent takes over the time-consuming search for tenants on site.
• Offers more security!
  A good real estate agent checks the creditworthiness of potential tenants.
• Top rental agreement!
  A good real estate agent ensures a good tenancy agreement.
• Brings tax advantages!

Brokerage costs are tax deductible for the landlord.

With this development, Worms is in line with the trend of the so-called “B-cities”, i.e. smaller cities in the vicinity of larger conurbations. For Worms, its proximity to the Rhine-Main and Rhine-Neckar regions is decisive in terms of its attractiveness as a place to live. As a city itself, Worms also has a lot to offer! Shopping centres, cultural offerings and a decent connection to the transport infrastructure of motorway and rail allow the city’s residents to get to Frankfurt, Mannheim etc. quickly.

If you want to sell your property in Worms, there are many things to consider. Above all, you should be well acquainted with the property prices in relation to their location in Worms. Even small mistakes here can have costly consequences and sustainably reduce the proceeds of the property sale. It pays off to invest in the experienced real estate agents of Lukinski Lukinski and let the house or apartment sale be carried out by experts. With our many years of expertise as real estate agents for Rhineland-Palatinate, among other places, you will achieve the best possible price for your property and save a lot of time and nerves at the same time.

Here’s what you should look out for when selling a house or apartment

As an owner, you are interested in a good asking price and want to avoid your property changing hands for less than its market value. For a house, an apartment or a plot of land, it is therefore advisable to opt for a professional, objective and independent valuation. For accurate estimates: home valuation. Emotions, which are automatically present when selling an owner-occupied property, stand in the way of rational valuation and negotiations. The preparation of a professional appraisal for your property is one of Lukinski Lukinski’s core services! By the way, contrary to widespread opinion, the time of year of the sales date is completely irrelevant for achieving a good sales price.

However, the market situation in Worms is important. This results fundamentally from the supply and demand for properties of various types. In Worms, single-family homes have been in high demand for some time – and will certainly remain so in the future. Again, the size of the house, the size of the plot of land or the state of construction are only of secondary importance.

Investors are also looking for apartment buildings in Worms. In B-cities, the A-locations are particularly in demand, as they promise the greatest possible increase in value. Precise knowledge of the city, its currently sought-after locations and those that will develop in the future are therefore the hallmarks of a top broker. Lukinski Lukinski is at your side as such a partner for the successful sale of your property.

Our services for real estate sellers at a glance

• Valuation of the property
• Credit check
• Creation of a professional exposé
• Creation of meaningful photos of your object
• Procurement of all documents necessary for the sale
• Preparation of documents for the sales process
• Objective appraisal and evaluation of the object
• Advice on construction and contract law
• Determination of the appropriate target group of buyers
• Development of a marketing strategy tailored to the target group
• Access to our extensive customer file
• Unsolicited reporting on the sales process
• Prospect Pre-Screening
• Coordination and execution of viewing appointments
• Preparation of the purchase contract
• Cooperation with notaries
• Conducting sales negotiations until closing
• Accompaniment of the notarisation procedure
• Professional object handover
• Aftercare
• Payment first on success

Real estate sales with market knowledge and know-how

If you are still unsure about contacting Lukinski Lukinski for an initial no-obligation discussion, here are a few thoughts on the topic of “private sale or broker”: A private sale without the appropriate prior knowledge is often problematic and usually leads to you setting the price too high (and thus delaying the sales process) or losing money due to an underestimation of the market value.

As an owner, you certainly have a more or less “rough overview” of how much your apartment, property or house is worth. However, for a successful and professional real estate sale you need more information and should refer to detailed market analyses. The determination of the market value alone contains numerous aspects which are not in the layman’s view. In addition, you need to obtain all the necessary documents for the sale, issue a legally required energy certificate, clearly define the target group and organize the parcel map and the development plan. If you entrust the sale of your property to a specialist estate agency, you will not have to deal with these time-consuming and costly tasks.

Another point that speaks for the sale by an experienced real estate agency is the negotiation competence with the prospective buyers. It is irrelevant whether you want to sell your property to owner-occupiers or to an investor. Every potential contract partner wants to negotiate with you about the price and other core conditions of the sale. This costs not only nerves but often also money, should you be sitting opposite a skilful negotiator.

Basically, the right sales strategy is also important for the successful conclusion of the sale. The objective valuation and meaningful preparation of an exposé are the basis of your success. This then forms the basis for a strategy to place your property with the right target group of interested parties at the right time using the right media. At this point at the latest, knowledge and experience in the real estate business are in demand. Only so much is betrayed: “Much” does not help with the real estate sale usually much! It is not the quantity of publications that makes the difference, but the quality!

Sale of condominiums

In many places you can find tips on the various risks that you will encounter when selling a house or apartment. However, do not necessarily assume that you are protected against all pitfalls. For example, if you want to sell your condominium in Worms, the sale must be agreed with the other owners in the complex. Only when the community of owners unanimously agrees with the new owner can the sale be legally completed. Let Lukinski Lukinski advise you on these complex sales issues as well!

Sale of apartment buildings

If you want to sell your own apartment building and thus appeal to capital investors, the question often arises: Is the occupied or unoccupied condition better for the sale? Full occupancy can be an advantage. For example, if the annual rental income exceeds the expenses for maintenance and management and a clear return is apparent. It is a disadvantage if the buyer has his own ideas about the layout of the property and cannot implement them because of the existing rental situation.

The credit check: difficult but essential

Since a credit check on prospective buyers is important and essential, you as a private seller are faced with another costly and complex task. In contrast, Lukinski Lukinski offers a comprehensive service. We check the solvency of prospective buyers for you and give you recommendations for the best prospective buyer. There is no easier and safer way to sell your house, flat or plot of land in Worms and to achieve complete satisfaction by getting the best price.

Conclusion: The right partner for real estate sales

Selling real estate in Worms is a complex and time-consuming matter. Instead of embarking on this time-consuming process yourself, you should opt for a professional service provider. Your money – which is of course only paid via the estate agent’s fees once the sale has been completed – is well invested. The Lukinski Lukinski team has all the local market knowledge and national experience to sell your property in Worms quickly and in line with your target group. Simply get in touch with us. We will then arrange a first meeting – gladly also on site.

Cologne Old Town: Historic City Centre

Cologne is one of the most important economic regions in Europe and is located in North Rhine-Westphalia. Almost 20 million people are regularly drawn here. This is mainly due to the booming media industry, the colorful city life and the unique culture of the city. The legendary Cologne Carnival, international trade fairs and numerous music and sporting events make life in Cologne varied and exciting. Whether it’s a villa in exclusive Lindenthal, a spacious detached house in leafy Rodenkirchen or a spacious loft in the historic old town – everyone feels at home in Cologne.

Cologne in NRW: map and location

Cologne is a city in the federal state of North Rhine-Westphalia and is located in the west of the country. The megacity borders directly on the Rhine and is about 1.5 hours away from the Dutch border. The city has an area of 405 km² and is divided into several districts.

The Cologne Old Town is the historic city center, located directly on the Rhine and can be divided into a north and south part. Neighboring districts include Neustadt-Nord, the Belgian quarter or Deutz on the opposite side of the Rhine.

Cologne Old Town North: Map

The district Altstadt-Nord is located directly on the Rhine. Among other things, the main shopping street and Cologne’s main railway station can be found in this district. It is therefore very centrally located and so you can easily reach not only the Neustadt North and South, but also the trendy district of Marienburg.

Here is a section of the neighborhood:

Cologne Old Town South: Map

The district Cologne Altstadt- Süd also borders on the Rhine and is very centrally located. In this quarter is the famous chocolate museum and you can do a lot. The border between the north and south part runs at the Deutzer bridge, over which you can get to the other side of the Rhine.

Sell real estate: Apartment, house, apartment building

The Cologne real estate market is in demand. From maisonettes to bungalows – the demand for houses and condominiums has reached record levels. Because especially Cologne and nearby Düsseldorf are becoming more and more popular! This is also reflected in the real estate prices in Cologne. So now is the perfect time to successfuly sell your property. The selling process is not only dependent on the timing and location, but also on the different types of apartments and houses.

Learn more here:

• Sell apartment
• Sell house
• Sell apartment house
• Sell land
• Overview: Sell real estate

The valuation of the property is one of the most important steps in the sale of real estate.

Real estate valuation: Valuation for the sale of real estate

One of the most important steps is the valuation of your property. However, caution is advised here. After all, there are a multitude of factors that influence the purchase price of your property. As a rule, one thing always applies above all else:

Location, location, location

This includes not only the district, but also the local infrastructure and connections to schools and hospitals. The safety of the place of residence also plays an important role. Other factors include the year of construction, the building fabric and the equipment of your property. Renovation and refurbishment with the help of an architect, craftsman & Co. also have a positive effect on the purchase price,

Here you can find out more about the property valuation, the procedure and the most important documents:

• Rate apartment
• Rate house
• Rate apartment house
• Valuing property
• Overview: Valuing real estate

Real estate sale in the old town of Cologne

Perhaps you own a house or a condominium in Cologne-Altstadt and would like to sell this property? A professional real estate agent will be happy to help you successfuly market and sell your property, as this is an extensive task that should not be underestimated. With this help, your project is guaranteed to succeed more easily, as reputable estate agents can draw on extensive expertise, which will save you a lot of money, time and stress in any case.

Sell with broker or privately?

Start your house sale simply by contacting an estate agent. This will be followed by a discussion of the steps that need to be taken before the eventual sale of the property in Cologne-Altstadt. Before your property is advertised and offered for sale, some preparatory work needs to be done.

An experienced real estate agent supports you throughout the entire sales process

First of all, all documents such as floor plans, plans, statements, the land register extract as well as an exposé and several photos are needed to clarify legal components and to get an insight into your house. Furthermore: Experienced real estate agents can also help you with an off market sale. Discretion is paramount here, which is why many wealthy property owners and investors, opt for an off market sale. Learn more here: Off Market

Determine property value: Criteria

The next step: the valuation. Here, the question of the desired sales price and the absolute lower limit in the sales negotiations is clarified. Your estate agent will have many years of experience and will be able to estimate how much your house in Cologne-Altstadt is worth on the basis of location, fixtures and fittings and usual market prices.

Here are some of the most important criteria that affect the value and therefore the selling price of your property:

• Location
• Infrastructure / Surroundings
• Size
• Equipment
• State of development
• Refurbishments / Refurbishment requirements

Procedure: Hiring an appraiser, inspections & co.

Whether in the old town, Rodenkirchen or Hahnwald – in principle, the commissioning of a cost-intensive surveyor is not necessary and, according to experience, is only required if there are several owners and disagreements have arisen regarding the value. If the selling price is fixed, you start marketing your property by advertising it on real estate platforms on the Internet as well as in regional newspapers. Interested parties will contact your real estate agent directly. Of course, viewings and negotiations will also take place, so you don’t have to worry about this. Once a buyer has been found and their credit rating has been checked, they will meet with their estate agent at the notary’s office, who will take over the processing of the purchase contract. The sale of your house is completed with the payment and the handover of the property.

Here is a summary of the real estate sale process:

• Valuation
• Marketing of the property
• Visit
• Purchase Negotiation
• Credit check
• Processing & purchase contract
• Handover

Frequently asked questions for sellers

You want to buy a property and are now in a hurry with your current property sale? Or you would like to buy an apartment building in order to rent it out lucratively? Whether old town, new town or Marienburg – as a real estate seller there are certain questions you need to ask yourself. Have you already found a new property? Should the property’s furnishings also be sold? And is there a right of first refusal?

Here are the most important questions you need to ask yourself as an owner before selling:

1. Do you have a follow-on property in mind?
2. Is there a need for renovation / refurbishment of the apartment?
3. Are all records and documents available?
4. Are early repayment penalties payable?
5. Are the declaration of partition, building insurance, minutes of the owners’ meeting, utility bills, list of rents, etc. available?
6. Are there lists of the maintenance of the condominium (maintenance costs)?
7. Should inventory be sold?
8. Is there a right of first refusal?
9. Value of the apartment?

Conclusion: Cologne Old Town

There are some interesting buildings in Cologne-Altstadt for which you will certainly achieve higher prices than the average. However, you can also achieve good sales proceeds for single-family houses/ apartment buildings or villas in this beautiful city. From experience it can be said that excellent negotiating skills and outstanding expertise are necessary to sell real estate at a good price. Choose a competent real estate agent so that nothing can go wrong with the sale.

Cologne: Real estate in the media city on the Rhine

With over 1 million inhabitants, the media metropolis on the Rhine is one of the hubs in NRW, but also in Germany. Located in western Germany, the city borders other metropolitan areas such as Düsseldorf and Bonn. The media city is located directly on the Rhine and can be divided into different parts and districts. Neighbouring cities include Düsseldorf, Bonn and Leverkusen. Cologne stands for media, TV and press like no other city in Germany. That is why the metropolis on the Rhine is constantly growing. Südstadt, Altstadt, Ringe, Ehrenfeld or Sülz, where is the best place to live?

Real estate in Cologne

Hardly any other large city in Germany offers so much “room for improvement”. From the purchase price to the architecture of the existing property. Whether condominium, apartment building or luxurious loft with a view of the Rhine. Cologne has enjoyed steadily growing popularity for years. The most beautiful city on the Rhine really does have something to offer everyone. The stately old buildings in Südstadt and the famous area around Rheinauhafen are particularly impressive.

• Real Estate Cologne

Living in Cologne: Popular districts & residential areas

The media city on the Rhine offers a diverse cityscape, guaranteeing the perfect living solution for everyone. From luxury apartment to villa, there really is everything. With the help of the right real estate agent, you can undoubtedly find your dream property – whether Südstadt, Marienburg or Hahnwald – a property as an investment in Cologne always pays off! One of the largest universities in Germany ensures a young cityscape and gives the ‘Veedeln’ their inimitable freshness. Would you like to invest in a property as a capital investment in charming Cologne? Find out everything you need to know about the city’s most sought-after residential districts, including tips on location, prices per square metre & co! To the overview: Living in Cologne.

• South Town
• Marienburg
• Rooster Forest

House, apartment and land for sale in Cologne

Selling an apartment, an apartment building or your own property. The colourful media metropolis of Cologne has a lot to offer: While Marienburg and Rodenkirchen inspire with their proximity to the Rhine, Neustadt is bustling with big city life. Lindenthal, located to the west, convinces with its quiet atmosphere and those who prefer it exclusive and prominent settle in Hahnwald. You want to sell your property in Cologne? Everything about the selling process, the most important documents and whether you should sell privately or with an estate agent. To the overview: Selling real estate in Cologne.

• Old Town
• Marienburg
• Rodenkirchen
• Lindenthal
• New Town
• Rooster Forest