What does real estate partial sale?

In the case of a partial sale, you sell a share of your property and thus become a homeowners’ association or condominium owners’ association consisting of two parties. Since you remain the sole user, the finance company charges you a monthly usage fee. In order for the calculation to be correct, you must know the current market value of your property.

The most important questions before the partial purchase / partial sale

The most important questions at a glance:

• Can I sell half of the house? Yes, most sellers ~ 20-50%.
• Can I sell part of my apartment? Yes.
• Partial purchase also for land? Yes.
• Advantage? Fast, uncomplicated purchase price transfer.
• Disadvantage? User fee (~ 3% p.a.)
• Moreover, for total sale: sometimes below inflation

The important factors in the purchase of parts

The key factors for the partial sale:

• Value of the property = 500,000 euros
• Desired immediate payout = 100,000 euros
• Share for sale = 20%
• Monthly usage fee = ?
• (if) total sale after X years = ?

You have to answer two key questions in the comparison:

1. What is the monthly usage fee?
2. (At total sale, later) appreciation and fees?

Tip. After the ranking you will find advantages, disadvantages and tips (early inheritance, donation, usufruct, etc.). More about the factors, advantages and disadvantages in the XL Guide: Partial sale.

Does a partial sale make sense?

Factor 1: Usage fee = how high?

We want to find out how much the monthly usage fee is – all important calculators, a comparison! For this, we use the public calculators of the individual providers and show you the results in our example here. Our basis is a property, whether a house or an apartment.

Factor 1: Property value and share

• Value of the property = 500,000 euros
• Share for sale = 20%

Also for partial ownership of apartment buildings, for example, in the 5-party house, in the country:

Likewise for condominiums in the city center:

Factor 2: Total sales after X years

In step 1, you sell only part of your property. However, all of them also offer the option to sell the entire property in X years, including the value increase. If you take advantage of this option, the 1) increase in value that the individual providers apply and 2) all charge a fee, this is of course also different.

Therefore, we also compare here the second step, the total sale of the house and apartment, including the fees.

Factor 2: Total sales after X years

• Example: Sale after 15 years

An important tip for selling in 10, 15 or 20 years.

Differences in cost of use and value appreciation

Differences – The providers hardly differ in the monthly usage fee. The main difference is the subsequent total sale, which all providers offer as an option directly after the partial purchase.

Appreciation and inflation – Take inflation into account! 2% regular according to ECB, if 20% appreciation after 10 years it is a zero deal.

Let’s start now with the comparison of the providers (as of 01/22).

I want to mention again that these are only the providers with transparent online calculator. For the calculation to be correct, you need to know the current market value of your property.

Tip. Find the best provider

I have compared the most important partial sale providers, their advantages, disadvantages and conditions for you! Simple, understandable and clear.

• Partial sale provider comparison

Interior fittings also determine the value of the house

Large investments in the interior of the house have a value-increasing effect when selling. If you are planning to sell a house, your investments will be taken into account in the exposé. Many prospective buyers prefer to purchase a home that requires little or no renovation work. It is important that potential buyers get a transparent picture of the property. Opt for a stress-free sale where you get a fair market price for your property.

Technical installations: heating, water, electricity

In the course of the interior construction, all technical systems in the house are installed. This includes the heating system with all pipes and the radiators, which are integrated in every room. If you have opted for underfloor heating, this will be integrated into the rooms according to your specifications. The water circuit is installed in a smaller area of the house. It includes the kitchen, bathroom, toilet and, if required, rooms in the cellar or the utility room. A water connection in the garden can also be laid if desired.

Installation of lighting system and socket circuit

The installation of the electrical system is a very important part of the interior design. This area includes the lighting system and the socket circuit. In new buildings and extensive renovations, additional wiring is laid for the installation of a network. In all rooms there are sockets where stationary devices can be connected to the network. It is no longer necessary to lay cables. The cabling is connected to the router so that access to the Internet is guaranteed at all sockets.

Design of ceilings, walls and floors

After the construction of the house, the walls are in an unplastered state. In a first step, they must be plastered or smoothed with plaster. Only then is the design with paint or wallpaper. The ceiling can also be wallpapered or painted after the plaster has been applied. Alternatively, a design with wood or with panels is possible. Opt for a uniform look throughout the house or choose an individual design for all rooms. There are no limits to the creativity of the builder.

Individual floors: wood, carpet, laminate

An individual design of the floors is also possible. Besides classic carpeting, wood is very popular. Plank flooring is available in light and dark woods. Many builders choose parquet. It consists of small sticks. Real hardwood is used as the material. A sealant makes the parquet easy to maintain and very robust. A cheaper alternative to parquet is laminate. There are variants made of real wood and plastic. You can choose from many different colours. So you can adapt the design of the floor very well to the interior.

Further information on the subject of house building

Here you will find further information and tips on the subject of house building.

Building materials: concrete, wood, stone, glass and plastics

Building materials are indispensable for the new construction of a house, but also for the renovation. Materials such as wood, stone and concrete are predominantly used. But plasterboard, glass and various plastics are also used. Building owners can influence the type of building materials. Basically, it is important that you pay attention to high quality. It doesn’t matter whether you are overseeing the construction of a new house or opting for the renovation of an existing building. The building materials used are usually used for decades. They are exposed to a very high degree of stress, both on the outside and inside. When using building materials that have qualitative limitations, minor renovations are often necessary at short intervals. You can prevent this by selecting high-quality building materials.

• Click here for the article Building Materials.

Energy and technology: Energy efficiency in technical installations & security systems

Many value-adding components of a house fall into the area of energy and technology. If you wish to sell your property without stress, we as real estate agents are happy to offer you our individual services. This also includes the preparation of an exposé. This serves to describe your property to all interested parties who respond to the advertisement.

• Click here for the article Energy and Technology.