Immocation: Real Estate Coaching

Immocation is a startup founded in 2017 that combines real estate and education. The immcoation team is dedicated to helping people successfuly build wealth with real estate.

Immocation consists of a team of over 50 people working in editorial, content, support, technology and advertising. The core is formed by the immocation coaches, a team consisting of long-time real estate professionals.

That’s what immocation is all about:

• Team of over 50 people
• Real estate professionals share their experience
• Help people build wealth successfuly with real estate

Tip. Real estate app including coaching

Online Coaching (App) – Passive income with real estate as an investment, but how to start? What is really important? In the Real Estate Guru App the #1 Real Estate Coaching in an App in the world is waiting for you! Learn how real estate investment works step by step in 10 lessons that build on each other and over 50 individual trainings. In the training you will learn how to buy, how to find cheap real estate (acquisition and off market), as well as financing and much more.

• Real Estate Coaching (App)
• Real estate app

Offers, Coachings & Lectures

Immocation is broadly positioned. From content on YouTube, Instagram, Facebook and Co. to a guidebook in the form of a book, at immocation you can find out about your favorite platform. In addition, you can exchange ideas about real estate topics in a large community.

Through various coaching programs, e-learnings, tools and events, clients learn to deal with real estate and build a stable network of contacts.

This is what Immocation offers:

• Content aud Social Media
• Community for exchange
• Coaching programs
• E-Learnings
• Tools
• Events

Immocation 180 days Masterclass

The complete program to learn how to make money with real estate awaits you in the so-called “immocation 180 days Masterclass”. The intensive training program has now been recognized as an educational institution by the state and thus promises a 1A education in the field of real estate investment.

What awaits you :

• Complete real estate investor training
• Accompaniment of over 20 coaches
• Practical implementation
• Network building to real estate professionals

Real Estate Coaching

The topic of real estate coaching has piqued your interest? More selection, information and tips can be found in our real estate coaching overview!

Continue reading here:

• Real Estate Coaching

What is new? Climate, new construction and renovation

Climate policy has, of course, left a very big stamp in the agreement between the SPD, the Greens and the FDP. 177 pages of coalition agreement have now been agreed. A search for the term “climate” yields 198 hits. More than 40 pages deal with the changes for more climate protection. The big goal is climate neutrality.

For example, heating systems are to be operated with at least 65% renewable energies from 2025; regardless of whether it’s a single-family home, condominium or apartment building. Residential construction is to be massively promoted, from the current 306,000 apartments built each year to a total of 400,000 new apartments. An increase of 30.5% in residential construction. This in turn (and other tools such as the rent brake) is intended to “make housing affordable.

The most important facts at a glance: 2022 will see the…

Changes at a glance:

• New construction of 400,000 apartments / year, of which 100,000 public
• Own Ministry of Construction
• Property promotion
• Regional rent limit
• Construction industry and climate protection
• Solar panels on all roof surfaces
• Climate-neutral heat supply: Heating systems
• Charging stations (e-car) expansion

Source: Coalition agreement real estate – Immobilien-Erfahrung.de

New housing construction & building boom: +100,000 apartments annually

The new German government wants to promote a construction boom. To this end, 400,000 new homes are to be built each year, as initially described. Currently, just over 306,000 apartments are completed each year. Accordingly, the volume is to be increased by 30.5%.

Minister of Construction and Ministry of Construction

The Federal Real Estate Agency in particular is to take responsibility for this, with public investment for 100,000 apartments. But according to the coalition agreement, the new federal government wants even more, even creating its own construction ministry with its own construction minister.

Another major problem in Germany, which the German government intends to remedy, is the very long building permit procedures. These are to be simplified so that construction can / may take place more quickly, from new apartments to wind turbines.

New construction and construction ministry at a glance

The most important facts at a glance:

• Ministry of Construction and Minister of Construction
• Federal Real Estate Agency (BImA)
• Construction investments: + 30.5 % or ~94,000 apartments / year
• Building permit: Speed in construction

Rent brake: Regional limitation

One of the most important topics in the new coalition agreement is housing and construction. Rising rents in Germany’s inner cities dominate the headlines, whether online, on TV or in the newspapers. Especially in major cities like Berlin, Munich and Hamburg, affordable housing is becoming a real problem, especially for young families.

There are no signs of a change in the trend. Also your view of the rent price increase of the last years and decades does not let itself prophesy an easing. Even the European Central Bank is now demanding steps from Germany to counteract the general price increases in Germany, there is this morning on Deutschlandfunk.

Development of the rent price index for Germany

Development of the rent price index for Germany in the years from 1995 to 2020 (2015 = index 100):

You can find more statistics at Statista

As described, 400,000 apartments are to be built annually for this purpose, 100,000 of them publicly financed.

Facts about the regional rent brake

You’re probably already familiar with the rent brake from Berlin. The experiment failed, but the rent cap did not. According to the coalition agreement, there will be a regional rent cap, limited to a maximum of 3 years. The rents in this region may then rise by a maximum of 11%, previously it was 15%.

Rent control in the coalition agreement:

1. Rent limit for individual regions
2. Limited to maximum +11%
3. Limited to a maximum of 3 years / region

Promotion of ownership: Increase ownership rate

In general, ownership is to be promoted more strongly. We have already discussed the topic of owner-occupancy in detail, especially in relation to real estate as an investment (rental). Owner-occupation is the most expensive form of housing, but it is still a way of building up wealth for private individuals in the long term. Accordingly, more German citizens are to become homeowners. Primarily naturally in dwellings, finally the sealing of the land surfaces increases ever more. In Germany alone, five hectares of land are sealed every day, e.g. for parking lots, but also for new construction.

This is what the coalition agreement says:

“We want to enable more people in Germany to live in owner-occupied property”

46.5% Ownership rate in Germany

What is the situation regarding the home ownership rate in Germany?

• 2018 – 46,5%
• 2014 – 45,5%
• 2010 – 45,7%
• 2006 – 41,6%
• 2002 – 42,6%
• 1998 – 40,9%

Source: Federal Statistical Office

Solar system: use roof surfaces

Solar installations are again a big topic, for many years many subsidies are provided for it by the state. Now solar systems are to become mandatory for a large part of the construction industry.

Specifically, everything up to the coalition agreement:

“All suitable roof space to be used for solar energy in the future.”

The goals are very ambitious; by 2030, 90% of the electricity is to come from solar alone. Many areas are available for this, just think of single-story supermarkets with their flat roofs or even huge logistics centers.

“For new commercial buildings, this should be mandatory; for new residential buildings, it should become the norm.”

Currently, Germany needs a net amount of electricity produced of 220 gigawatts. Solar energy is expected to cover 200 gigawatts in the next few years.

Target: 200 gigawatts / year through electricity from the sun

Installation, whether single-family house or apartment building:

Climate-neutral heat supply: Heating systems

In the Building Energy Law (GEG), there will be the following changes: Heating systems installed after 2025 must be operated with 65% renewable energy. This will be a great challenge and at the current technical level, especially hybrid systems with solar thermal energy will have to be installed.

Tip. Read more about the “Future” here:

• Low energy house
• Solar energy for the home

In addition, there are a few more detailed changes, especially for conversions, extensions under lines.

Insulation, increasingly important in new construction:

Charging stations: Public expansion & in house

The switch to electromobility, which I have written about frequently here on the blog, will also be very interesting.

The headline is big:

15 million electric cars + 1 million charging stations

15 million electric cars will pose major challenges for the power grid. To supply all these cars with electricity, the German charging network is to be expanded to 1 million charging stations.

Of course, not all charging stations will be public; a large proportion will be installed primarily in houses and garages, carports and underground garages. Fast-charging stations are already being installed in more and more underground garages. According to the current state of technology, electric cars can be recharged in about 30 minutes.

The interesting thing is that in the future, electric cars could be part of the power grid. As decentralized electricity storage. If we increasingly go to solar energy, energy from wind power and hydropower, then energy is not always available in the same amount. We also can’t ramp up a power plant. The batteries of electric cars could be for decentralized storage for our cities in the future.

No tax increases: Top tax rate remains the same

Finally, something good, for all property owners who also rent, the top tax rate was not touched. Nor were there any other tax increases.

Additionally, in the following there may be slight grammatical errors, as this article was written by a German tax expert. This does not detract from the quality of information.

Sanierung, Modernisierung or Renovierung? Why?

Further down we explain all the details about things you have to know about renovating or refurbsihing your house or property in Germany. But first, we look at what the terms which you will often hear in the German real estate market even mean. So, what does Sanierung mean?

What is a “Sanierung”?

A Sanierung is an improvement on fundamental issues or problems which make living in a building difficult or very uncomfortable.

In German, there are multiple words for what in other countries may all fall under the term renovation. There are three types of these. First, a Sanierung, which is a very fundamental improvement and update to all things in the house, this means e.g. old sinks may be replaced. The translation of Sanierung is refurbishment. In general this is more effort than just a renovation, as a real issue is fixed. A renovierung is the second type. Here, more aesthetic things like the colour of the walls will be redone. Lastly, a “Modernisierung”. This is, as the word implies, when current state of utilities, walls, etc. are made more modern.

Sanierung is a renovation which fundamentally removes problems in your apartment, house, etc.

This article is part of our guide on German real estate and tax optimization. Learn more here:

• Save Money – Tax Optimization with Property Investments

Sanierung as Effective Increase in Value of your Property

The renovation not only provides a modern look, it also saves energy and thus increases the value of the house. For economic reasons, renovation often makes sense. This is also true if you do not want to sell the house and hope to get a higher sales price by the renovation. Because by the so-called energy renovation you can reduce your additional costs significantly, so that the investment pays off in the long run.

Risk of Damage Decreases: Selling Price Increases

In addition, the premiums for residential building insurance for refurbished houses are significantly lower than for properties without core refurbishment. This is due to the fact that the risk of damage is significantly reduced, so that in many cases more than half of the insurance costs can be saved. If you would like to sell your house and are not sure whether renovation is appropriate, you are welcome to contact us.

Holistic Refurbishment: One-time Expense

When renovating a house, it should always be considered as a whole. Because only extensive renovation leads to better living quality and lower energy costs. For buildings in desolate condition, a core renovation is necessary. In addition, under certain circumstances a roof renovation can become due. This is the only way to create the optimal basis for a renovation. Afterwards, a tight building envelope is produced, which, due to good insulation, ensures that the heating remains in the house.

This also includes the installation of a new heating system, which at least partially uses renewable energies. Multiple glazed windows with good insulation also contribute to a better energy balance.

Modernization and value enhancement at a glance:

• Increase in value through modern appearance
• Energy efficiency and economy
• Higher living quality
• Reduction of additional costs
• Higher selling price

Core Renovation & Roof Renovation

Before you start with the renovation, you should have an expert determine which measures are necessary for your house. Once you have identified the weak points, you can start planning.

Core and roof renovation is by no means necessary for all buildings. However, if you buy a old building, it can happen that you are suddenly faced with this task.

All electrical and water pipes are replaced as part of the core renovation. In many cases, this also includes the complete roof covering. The condition of walls, ceilings, floors, windows and doors is checked extensively. If necessary, these are also renovated. Existing rooms are not destroyed, however. No walls are torn down.

The core of the building remains intact. If inner walls are torn down so that only the outer walls are preserved, this is called gutting.

Property Under Monument Protection

Germany is known for its strict laws protecting monument and historic status of buildings. Special caution is required for buildings that are under monumental protection. In this case, you must contact the responsible office for monument protection and ask for the conditions for core renovation.

Various funding options are available for core renovations, so you can save a lot of money. For example, you can deduct the costs for the craftsmen from your tax return and recoup up to 20 percent of the expenses.

20% craftsmen costs are reimbursed in your tax return

However, the maximum amount for a refund is 1,200 euros. In addition, there is the possibility to take advantage of one of the many support programs for the renovation of old buildings. However, you will usually only be able to benefit from these programs if you decide to carry out an energy-efficient renovation.

The subsidy programs differ from region to region and therefore vary greatly. A certified energy consultant can advise you in this regard and help you find the right program for you.

Maintenance Reserve According to Calculation Regulation

Reading Tip! In our formula collection you will find many more important formulas for the calculation of reserves, yield & Co. calculations and examples for buying, selling and renting. Rent or purchase price multiplier, gross yield, return on equity, property yield, reserves for repairs and much more.

There are too many small hidden costs when buying real estate in Germany to remember. Our guide:

• Hidden Costs when Investing in German Real Estate

Peter’s formula

The Peter’s formula assumes a useful life of 80 years.

The formula means that in a certain time 150% of the pure production costs (building costs without costs of paying for property, development, architect, etc.) for maintenance and reorganization will come up again.

For a House
80 years useful life
150% of production costs for renovation, maintenance

For condominiums in multi-family houses, the assumption is 100%. Distributed to 65% for work on common property and another 35% for work on special property.

For a Condominium
80 years useful life
100% of the manufacturing costs

Reserves Formation

If you calculate further exemplary with an object, whose production costs are 4,500 Euro per square meter, then this results in a monthly reserve of 7.05 Euro per square meter.

Reserve: house
Production costs: 4.500 € / m²
Monthly reserve: 7,05 € / m²

For condominiums, this results in a somewhat lower reserve of 4.50 euros per square meter for the owners’ association.

Reserve: condominium
Production costs: 4.500 € / m²
Monthly reserve: 7,05 € / m²

Tip! These are divided into the aforementioned 65% for work on common property and another 35% for work on special property.

• Reserve for owners’ association: 4.65 / m²
• Reserve apartment owner: 2,40 € / m²

These costs cannot be passed on to the tenant.

Annual reserve according to § 28, paragraph 2

Also the second calculation regulation supplies in § 28, paragraph 2 reference points over the appropriate height of an appropriate maintenance reserve. These cost estimates are significantly lower than those according to the Peter’s formula, but are graduated according to the age of the building (based on production costs of 4,500 euros per square meter):

• Residential buildings which are up to 22 years old = 21,30 € / m² living space
• Residential buildings which are up to 32 years old = 27,00 € / m² living space
• Residential building over 32 years = 34,50 € / m² living space
• Building with elevator + 3,00 € / m²

Energy Renovation: Low Energy Consumption

Energy-efficient refurbishment is the repair of a building with the aim of ensuring the lowest possible energy consumption. If you do an energy update, you save heating costs, contribute to climate protection and can look forward to more living comfort.

This makes sense not only if you want to live in the house yourself, but also if you plan to sell your house.

More and more people are looking for sustainable and energy-saving houses. So you increase your chances on the housing market with an energy-efficient renovation. An important component of energy-efficient renovation is the effective and complete insulation of the building envelope. A continuous airtightness is the top priority here.

Outer Building: Outer Walls, Roof, Front Door, Windows & Co.

The building envelope includes not only the exterior walls, but also the roof, front door, windows and basement ceiling. All these parts shield the living space from the cold outside air. Poor thermal insulation of the building envelope has a catastrophic effect on the energy consumption of the house.

Up to – 50% reduction in energy demand = running costs

In many cases, the need can be reduced by more than 50% by means of an appropriate renovation.

Insulation: Mineral Fibers, Natural Insulating Materials & Co.

Various materials are used for insulation, such as mineral fibers or natural insulating materials, for example cellulose, hemp or cork. The higher the insulation thickness, the more energy can be saved. Leaks and thermal bridges must be avoided at all costs.

An airtight building envelope provides the best savings. With a modern heating system, which is largely powered by renewable energies, you can reduce the ecological footprint of your house and thus contribute to climate protection. At the same time, you can save energy with a new heating system, because most oil and gas heating systems are outdated and have poor efficiencies. Therefore a lot of heating energy is wasted.

Even if you choose a classic heating system that runs on fossil fuels, you may be able to save a lot of money.

Future-Oriented Heating Systems: Heat, Pellet & Co.

However, heating systems that use renewable energy are of course more future-oriented. You have a large selection of different systems. For example, there are heating systems that use solar energy or domestic hot water. Geothermal heating systems are also possible. Pellet heating systems are also considered climate-friendly. Which solution you choose depends not only on your preferences, but also on the individual circumstances. An energy consultant will find the optimal solution for you.

Before the “Sanierung”: Energy Consultation

Before you begin with the energy renovation, you should take an energy consultation. Only with the help of an expert can you get the best out of your house. This is due to the complexity of the topic.

A house is always an overall concept that is influenced by many small changes. These should influence each other as positively as possible. Individual renovation actions that are carried out unprofessionally often do not bring the desired effect or even lead to unexpected additional costs.

Certified Energy Consultants

In order to avoid this problem, let a certified energy consultant help you best. In Germany, these are certified and highly specialized professionals. These experts investigate the condition of the building and develops then together with you a concept for a meaningful and goal-prominent energy counselling.

He not only inspects the building, but also takes your needs into consideration and of course includes the budget in the planning.

In addition, he can point out possibilities to you that you did not even know existed before. If you are looking for a good energy consultant, you can for example contact the chamber of architects of your federal state or search the internet for a suitable expert.

State Subsidies

The German state encourages green energy, and therefore subsidizes it. Just like the energy renovation itself, the costs for the energy consultant can also be supported by subsidies. The Federal Office of Economics and Export Control subsidizes the energy consulting for single and two-family houses as well as for residential units.

• State subsidies – official site of the federal office (in German)

Redevelopment of Old Building

Renovating old buildings – Old buildings are very popular because of their unique structure. Large rooms with high windows and old wooden doors, which may creak a little when opening and closing, stand for a traditional way of life. Many of the buildings are more than one hundred years old. A renovation can give the apartments a new shine. If extensive work is planned both on the façade and the interior, it is advisable to relocate tenants in advance.

For a complete refurbishment, the move-out of tenants is even compulsory. The same applies to owners who, with the support of the owners’ association, have agreed on a renovation in a majority resolution. However, owners who have acquired a property for the first time also like to strive for a renovation of an old building with subsequent new letting. There is a good chance that the renovated apartments will enjoy great popularity in all regions of Germany and will subsequently be rented out at short notice.

Heating System

The topic of heating is not only interesting for building owners, but also for property owners. Heaters are not only necessary in a real estate, but also legally required. What types of heating are there, how do they have to be maintained and are there legal subsidies for the construction of certain types of heating or do the costs have to be paid completely by the owner?

• The whole guide: Heating

Solar heat: Solar Energy

Solar thermal is the process by which solar energy is converted into usable heat. In residential properties, the heat produced is usually used to heat water or for heating. Depending on the location and conditions of the property, this system can completely replace the previously used heating system.

State subsidy of 2,000 euros

Gas Heating: heating with natural gas, liquid gas or biogas

Gas heating is probably the most widespread type of heating in Germany and rightly so, because the system offers many advantages. Modern technology, efficiency and inexpensive offers characterize the gas heating. In addition, they are easy to combine with renewable energies, save space and can be easily installed during modernization and renovation.

Oil Heating: Heating with fuel oil or bio fuel oil

Oil heatings are after gas heatings the probably most frequently occurring systems in Germany. The function mode is simple and works for decades in the same way. The fuel fuel oil is pumped over an oil pipe to the heating system where it is sprayed and burned. The heat that is generated during this process is used to heat up the heating water and thus to heat the house. Most of these components can be found in the boiler, which now takes up little more than one square meter of space and can even be hung on the wall, depending on the model.

Pellet Heating: Ovens with pressed wood residues

A modern pellet heating system is known for low fuel costs as well as for environmentally friendly heating and is therefore one step ahead of conventional gas and oil heating systems. Also the function mode is relatively simple. The wood pellets are periodically delivered to the combustion chamber by means of a feeder, so the correct filling is fully automatic. The heat generated by burning the pellets is used in a separate boiler to heat the water. Thus, both the heating can be operated and the hot water can be produced.

Rental: Laws, Taxes & Tenants

Renting a property can be a great extra income, but it can also become your main job. Landlords have many duties towards the tenant and have to take care of the property. However, if this is successful, a lot of profit can result. We will explain how you can best let your property and how to find the right tenant for you.

There is so much to learn!

The Right Tenants, Suitable Lease & Co.

How do I set the rental price correctly? How does my advertisement appear attractive? And how do I draw up a suitable and fair rental contract? A future landlord asks himself all these questions, because in order to successfuly rent out a property, a lot of knowledge and experience is required. But if you follow a few simple steps, you will make the leap to a successful landlord and profit from the earnings.

In addition come: Landlords have many duties and tasks, among these are for example the organization when changing tenants or the annual preparation of a service charge statement for the tenant. The rent can be set with the help of the local rent index, but it must always be considered whether the region concerned has a rent brake or not. The rental agreement should be fair for both tenant and landlord and should regulate all important points. When choosing the right tenant, it is not only the sympathy effect that counts, but also other important factors, such as creditworthiness – learn everything you need to know about renting your property in our article.

The correct tenants, suitable lease & Co. read on here:

• Leasing out House & Apartment.

Conclusion: Renovate Property

A core renovation brings your property up to date and increases its value at the same time. It increases the comfort of living and in most cases also reduces the energy consumption of the house. As a result, energy costs and the C0² emissions of the house can be reduced. Since in the long run a change to non-fossil fuels from heating systems is inevitable, you can also equip your house for the future. In order to carry out a renovation as effectively as possible, it is essential to seek the advice of an energy expert.

Thinking about buying a house? These are the best methods to save money on your investment

• Saving Money – Tax Optimization on German Real Estate

KfW Loan: Effective Relief for Construction Financing

Would you like to renovate your home to make it more energy efficient or to make it suitable for the elderly? Then experts will find a suitable KfW loan on your behalf that will noticeably lower your total interest rate on a building or real estate loan.

• • What is a KfW loan?
  • Who gets a KfW credit?
  • How high are the interest rates at KfW?
  • When can I apply for a KfW loan?

Terms and Use

Financing your own home in two ways is a very practical and inexpensive option, as you always benefit from a KfW loan and choose the best interest rate within your mortgage.

5 and 10 year Terms

A KfW loan is a annuity loan that is designed like a classic construction loan in its components. Depending on the support program, the KfW loan can run between 5 and 10 years and convince you with a fixed debit interest rate. If the financing interest rate rises within this period, your KfW loan is not affected by this change.

You can make your construction financing economically more efficient by financing the highest possible amount via the KfW and in return reduce your actual construction financing amount.

Support Program has 3 Advantages

Depending on the support program, a KfW loan has three basic advantages. You receive an unbeatably low interest rate, benefit from graceful start-up years and from grants that you receive as part of a grant and do not have to repay. Especially the initial phase of a loan repayment requires you to make a major change with a noticeable additional financial burden.

While you have to repay the construction financing from the first month of the term, you can benefit from one to five years of repayment freedom with a KfW loan. You only start paying off the loan after the initial term has expired and then pay the monthly constant installment at the favorable interest rate. Keep in mind that the monthly installment increases from the 4th year of repayment.

Interest far below the interest rate of the Building Loan

Nevertheless, a KfW loan is always worthwhile because the interest rate is far below the interest rate of the building loan and because you benefit from innovative support programs with redemption-free subsidies.

When and for Whom is a KfW loan Suitable?

When deciding on a KfW loan, you should not only be aware of the advantageous special features but also of the additional factors that need to be taken into account. You do not apply for a KfW loan directly at the “Kreditanstalt für Wiederaufbau”, but at an onlending bank (“durchleitende Bank”). For KfW loans of more than 30,000 euros, the bank making the transfer makes an entry in the land register. In the case of lower subsidies, the entry in the land register is not made in principle.

Carry out Follow-up Financing

In addition to the initial financing with the additional module of the KfW promotion, you have the possibility to make your follow-up financing with a KfW loan. With a KfW loan, you ultimately always decide to finance your property with two different loans that are separate from each other but still build on each other.

The complexity of a professional construction financing tailored to your needs and the best conditions should not be underestimated.

Tip! KfW loan for Modern Heating System

Did you know? Example: oil heating. Here, the KfW Bank promotes individual measures with its program 152, which result in higher energy efficiency and a reduction of energy costs. Not only the replacement of the oil heating system is thus promoted, but also the installation of highly efficient circulation pumps and a circulation pump.

Extras are also available for solar systems. Within the range of in and two-family houses a lump sum for the building of a solar plant of 2.000 euro can be requested, which serve both for the water heating and for the heater support. This flat rate applies to solar systems up to 14 square meters. With a size of 15 to 40 square meters 140 euro per square meter are granted at gross collector surface.

• KfW loan for modern heating system

Find individual and beautiful dream homes

Dream homes offer plenty of space for individual needs. They are flooded with light, the rooms are large and pleasantly cut. The exterior architecture is worth seeing. Dream houses stand out from the classic building by an appealing exterior design. A large balcony, a terrace on the roof or a romantic bay window are built into dream houses. The view from the balcony or terrace goes into the green, to a lake or to the sea. The interior of a dream house can be described as upscale. High-quality furniture in the kitchen, expensive sanitary ceramics and hard-wearing, visually appealing floors are just as much a part of it as an advantageous cut of the individual rooms. The kitchen is equipped with a cooking island and a spacious dining area. A separate dining room is also happily furnished. The large living room has high windows and direct access to the terrace or garden.

Energy efficiency of the dream houses

Dream houses are characterised by a modern energy-saving heating system. Renewable energies and independence from a regional energy supplier are popular. In the meantime, technology has advanced so far that self-sufficiency is used with a powerful solar system in combination with the possibility of storing energy. In this way, the homeowner produces his own electricity and only needs to use the services of an energy supplier for a few weeks or months of the year. The insulation of the exterior walls, windows and doors not only provides very good sound insulation, but also a high saving in the consumption of heating energy. The houses are therefore particularly environmentally friendly. Heat pumps, which are operated with the self-generated electricity, do not require fuels such as gas or oil. These resources are no longer needed, which is another positive effect.

Safety issues

Dream houses are more expensive in their purchase price than homes with classic equipment. This sometimes attracts people with criminal energy. To prevent burglary, many dream homes are equipped with an alarm system and other security systems such as an electronic gate and video surveillance. The modern smart home system makes it possible to network different components and conveniently control them with your smartphone. In this way, you can also switch on your heating, prepare the coffee machine or close the blinds on hot days while on the move. You also have a view of your house at all times by calling up the images from the video camera while on the move. You can find dream homes in the city, in outlying areas and in rural areas. However, buying such a house always involves a larger investment.

More information about buying real estate

What else you need to consider when buying a property and what tips can help you finance the property of your dreams.

Planning and financing: costs, credits, tips

In most cases, the purchase of a property is accompanied by financing. Very few property buyers are in a position to pay cash for their property. Financing for a property usually extends over a period of ten to 30 years. Careful planning is therefore very important. A stable income is one of the essential requirements for secure financing. The income should be secured for the financing period. You must take into account changes in life planning as well as the possibility of loss of earnings due to illness or unemployment. Young couples may want to have children, which also affects income.

• Click here for tips on planning and financing.

What types of houses are there? Real estate guide

You just need a little more space? However, the choices of real estate these days are very large. Especially when buying a property, there are many factors to consider and choosing the right type of house is essential. What house types there are, and what makes each of them, we would like to tell you in this article. Learn about the characteristics and special features of each type of house, and let us show you the advantages and disadvantages. With the help of this guide, it should be easier for you to choose the property that is perfect for you. Get an overview and learn about the world of bungalows, terraced houses and villas!

• Click here for the house types.