What does real estate partial sale mean?

With a partial sale, you sell a portion of your property (usually 10–50 %) to a specialized financial company. In doing so, you become part of a community of owners consisting of two parties. Since you remain the sole user of the entire property, the financial company demands a monthly usage fee – economically comparable to rent on the sold portion. The basis for every calculation is the current market value of your property, which is determined by an appraisal.

Short definition in one sentence

Partial sale = You sell a co-ownership share, retain the sole right of use (a right established via a partition agreement or usufruct), pay monthly usage fee – upon later full sale, the partial buyer receives their share plus appreciation and possibly a transaction fee back.

The most important questions before a partial purchase

• Sell a house share? Yes – most providers accept 10–50 % share.
• Sell an apartment share? Yes, provided the minimum value (usually 100,000–250,000 €) is met.
• Sell a plot share? Possible with some providers, but restricted.
• Advantage? Bank-independent, fast liquidity without creditworthiness check as with a loan.
• Disadvantage? Usage fee of about 2.75–3.5 % p. a. plus transaction fee upon full sale.
• Risk? Often less remains upon later sale than the inflation eats away.

The key factors in partial purchase

Anyone who wants to compare providers thoroughly must understand five levers:

• Market value of the property (example: 500,000 €)
• Immediate cash payout (desired liquidity, e.g. 100,000 €)
• Sold share in percent (e.g. 20 %)
• Monthly usage fee (in % p.a. of the payout)
• Conditions in the full sale (transaction fee, minimum sales guarantee, share of value increase)

The two key questions are:

1. How high is the ongoing usage fee – and does it accumulate over your remaining term to a manageable amount?
2. How much remains after the later full sale, taking into account the value increase and fees?

Rule of thumb: If the usage fee p.a. is higher than the current construction interest rate for a mortgage loan, the partial purchase is purely financially the more expensive solution.

Provider comparison table: all conditions at a glance

Example basis: Property value 500,000 €, sold share 20 %, immediate payout 100,000 €.

*Remaining profit after total sale after 15 years assuming an approximate 35 % increase in value. Usage fees are example calculations, individual conditions vary depending on location, property, and negotiation.

6 Providers Compared – Test Winner & Ranking

Overview with test winner and detailed reasoning. Evaluated: Usage fee amount, execution fee amount, remaining profit after total sale, minimum property value, transparency.

Rank 1: Deutsche Teilkauf – Best Price-Performance

Currently leading provider thanks to low usage fee and – crucially – complete waiver of execution fee upon total sale.

• Usage fee p. a. = 2.89 % = 241 €/Month
• Remaining profit after 15 years = + 41.53 % vs. immediate payout
• No execution fee
• Rate on Deutsche Teilkauf

Rank 2: Hausanker – Best Conditions (Sister Company)

Operational part of the Deutsche-Teilkauf Group, almost identical conditions, merely +1 €/month usage fee.

• Usage fee p. a. = 2.90 % = 242 €/month
• Remaining profit after 15 years = + 41.53 %
• No execution fee
• Have it assessed on Hausanker

Place 3: Teilverkauf One

Fair conditions regarding the usage fee, however slightly weaker remaining profits in the case of the full sale.

• Usage fee p. a. = 2.89 % = 241 €/month
• Remaining profit after 15 years = + 28.50 %
• Have it assessed on Teilverkauf One

Place 4: Wertfaktor

Established provider with a large market share, however an execution fee of approximately 4 % of the total sale – this noticeably reduces the remaining profit.

• Usage fee p. a. = 2.90 % = 242 €/month
• Remaining profit after 15 years = + 29.13 %
• Execution fee: approx. 4.06 %
• Have it assessed on Wertfaktor

Place 5: Hausvorsorge

The monthly fee is the same as the value factor, but the execution fee is significantly higher – in total, you are about 15 % below the winner of the test.

• Usage fee p. a. = 2.90 % = 242 €/Month
• Remaining proceeds after 15 years = + 26.34 %
• Execution fee: approx. 6.12 %

Position 6: Engel & Völkers Liquidhome

Lowest usage fee on the market, but highest execution fee – attractive for owners with a short remaining usage period (e.g. 5–7 years).

• Usage fee p. a. = 2.75 % = 229 €/Month
• Remaining proceeds after 15 years = + 25.33 %
• Execution fee: approx. 6.86 %
• Minimum property value: approx. 250,000 €

Cumulative cost calculation over 15 years – the worst-case scenario

What many calculators from providers overlook: The monthly usage fee adds up. Example: 100,000 € immediate payout, 20 % share, 15-year term:

Plain language: Over 15 years, the comfort of staying in the home costs the winner of the test approximately 152,000 €, over 214,000 € with the most expensive provider – compared to the classic full sale followed by a rental solution.

Detail profiles of the providers

German Partial Purchase – Winner of the Test in Detail

Key Terms (Example: 500,000 € market value, 20 % share = 100,000 € payout):

• Share: 20 % | Payout: 100,000 €
• Usage fee: 241 €/Month | 2,892 €/Year | 2.89 % p. a.
• Value after 15 years (estimated): 699,128 €
• Remaining share of owner: 566,103 €
• Transaction fee: 0 %
• Second payout: 566,103 € (+ 41.53 %)

HouseAnchor – Sister Product of German Partial Purchase

Conditions are practically identical, +1 €/Month. For owners without a brand preference, it is practically equivalent in terms of calculation.

ValueFactor – With Transaction Fee

Sell at least 20 % share (higher entry barrier than the test winner):

• Share: 20 % | Usage fee: 242 €/Month (2.90 % p. a.)
• Value after 15 years: 673,000 € | Remaining share: 538,400 €
• Transaction fee: − 21,872 €
• Second payout: 516,528 € (+ 29.13 %)
• Warning: Total sale is below inflation compensation

HomeProtection

• Usage fee: 242 €/Month (2.90 % p. a.)
• Value after 15 years: 672,934 € | Remaining share: 538,347 €
• Transaction fee: − 32,974 €
• Second payout: 505,373 € (+ 26.34 %)

Engel & Völkers Liquidhome

• Usage fee: 229 €/month (2.75 % p. a.)
• Value after 15 years: 672,934 € | Remaining share: 538,347 €
• Transaction fee: − 37,011 €
• Second payout: 501,336 € (+ 25.33 %)

Risks & critical scenarios – these are rarely explained

The advertisers’ advertising conveniently omits four scenarios. Anyone considering a partial sale must know them:

Care

]]> https://lukinski.com/weather-statistics-germany-in-figures-on-temperature-rain-storm-sunshine/ Sat, 28 Dec 2019 22:48:40 +0000 https://lukinski.de/weather-statistics-germany-in-figures-on-temperature-rain-storm-sunshine/ Here you will find the collection of the most important weather statistics. We report about Germany in numbers. From the temperature to rain, storm & sun but also long-term reports, as well as the warmest years of the last decades. Soon you will also find here all current weather data for builders!

Statistics & Average: Weather in Germany

More facts for real estate owners and developers! Statistics on real estate, housing and demographics. For more studies and statistics, visit the Federal Statistical Office website. Read more about here:

• Real Estate Statistics
• Heirs and inheritance statistics
• Investment statistics

Temperature (°C)

Mean maximum temperature (°C)

Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
2,1	3,5	7,4	11,7	16,8	20	21,8	21,7	18,3	13,2	7	3,4	12,2

Mean minimum temperature (°C)

Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
-2,8	-2,4	0,2	3	7,2	10,5	12,3	12,2	9,6	5,9	1,7	-1,3	4,7

Comparison of mean maximum and minimum temperatures (°C)

Rain

Mean monthly precipitation (mm)

Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
54,1	44,6	52,1	57,4	69,2	81,3	75,2	74,3	59,8	53	63,2	61,4	746,2

Days with precipitation > 1mm (days)

Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
11	9	10	10	11	11	10	10	9	9	11	11	121

Sunshine

Mean daily sum sun (h)

Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
1,6	2,7	3,8	5,3	6,8	7,1	7,1	6,7	5,2	3,7	2	1,4	4,5

Data basis: German Weather Service

Statistics

Monthly average temperature

Monthly average temperature in Germany until November 2019

Start of construction! Spring temperature

Temperature in spring 2019 in Germany by federal states

Precipitation

Average monthly precipitation in Germany from November 2018 to November 2019

Sunshine duration

Average sunshine duration per month in Germany from November 2018 to November 2019

Rainy days – Top list

Cities in Germany with the most rainy days

Highest average temperature

Years with the highest average temperature in Germany from 1881 to 2018

Temperature rise

Temperature increase in Germany from 1881 to 2010 by federal state

More facts for real estate owners and developers! Statistics on real estate, housing and demographics. For more studies and statistics, visit the Federal Statistical Office website. Read more about here:

• Real Estate Statistics
• Heirs and inheritance
• Investing money / Capital investment

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