Buying a house: Financial planning, brokers, loans & Co.

The dream of owning your own home, living independently within your own four walls, being able to design everything yourself and furnish it according to your individual wishes. But with this wishful thinking it is far from being done, because there is much more to buying a house. There is a long way to the goal of being able to lean back, relax and enjoy life in your own garden. To make this as easy as possible, here are the best tips & tricks on what you should pay attention to when buying a house and what pitfalls you can avoid.

• Buy a house

House types in a list:

• Buy a house
• Farm
• Bungalow
• Semi-detached house
• Single-family house
• Half-timbered house
• Holiday home / weekend house
• Prefabricated house
• Wooden house
• Country house
• Massive house
• Apartment house
• Terraced house
• Beach house
• Villa
• Low-energy house
• Zero Energy House & Passive House

Farm: Prices, tax, estate agent & procedure for purchase

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 way of living in the middle 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 very reasonable prices. 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 to move into immediately. However, you have to expect a higher purchase price. This is especially true if the farm is in a very central location with a good infrastructure. What else there is to know about farms as real estate, you will learn in the following.

• Farm

Bungalow: no stairs, barrier-free & often access to the garden

A bungalow is above all practical and modern. Especially with young families, this type of house is very popular, because you can find all the rooms on one floor and this is a great advantage with children. In addition, a bungalow is extremely durable. You can move in as a young adult and stay in this house all your life. As a pensioner, the absence of stairs and the single storey are a great advantage. Choosing the right house is not easy. You invest a lot of money in the construction or purchase and it is a decision for life.

A bungalow is an ideal investment and investment in the future. This type of house is ideal for families, and perfect for a long life. Besides the special construction of a bungalow, it offers many other advantages. Choose your own design or a prefabricated house. Plan the floor plan, calculate prices and design your own modern home. In this article you will learn everything you need to know about this building type. From the definition to the financing.

• Bungalow

Semi-detached house: features, checklists & living with neighbours

The term semi-detached house refers to a residential unit, which usually extends over several floors and is approximately the size of a standard detached house. A semi-detached house offers two almost identical living units, each of which is roughly the same size as a detached house. Of course, this depends entirely on the type of single-family home. In principle, however, the aim of a semi-detached house is to provide space for a medium-sized residential group.

However, the difference between this and a detached house is that, as the name suggests, semi-detached houses, extend over half of a very large, long house. This saves land area and you still experience almost the luxury of your own house with a few restrictions, which we will go into more detail in the course of the article.

• Semi-detached house

Detached house: Small house for the whole family

What is a detached house? Under this term one imagines first of all a terraced house or a semi-detached house, which is correct, but does not explain the term sufficiently. The single-family house describes only that it is designed in principle for a family, the size, shape or location you can choose freely. Decide for a luxurious city villa or a down-to-earth bungalow. Build or buy and bring everything up to date and modern. In this article you will learn everything you need to know about this type of house.

• Single-family house

Half-timbered house: living with charm – purchase, costs & renovation

Everyone who grew up in Germany has seen them. But how exactly it is to live in such a house, you probably only know once you get the chance. However, the houses are not for everyone and require a lot of work. You can read about how the construction method influences the living atmosphere in the following.

The exposed wooden beams are also what make up the charm of the houses for many. So if you are thinking about rebuilding a half-timbered house, it is advisable not to plaster it, because that would destroy the characteristic for many. What exactly constitutes a half-timbered house and what there is to know when buying, selling or renovating a half-timbered house, you can find out here.

• Half-timbered house

Holiday home / weekend house: house by the lake, beach or sea, with terrace

Who does not wish to have their own house in their favourite holiday resort? And this dream is not far away. We’ll tell you how you can buy a holiday home and make money from it. With a few simple methods. However, it is important to mention in advance that the rental of holiday homes is also dependent on the overall economic situation. If people are doing better financially, they will go on holiday more. So here, too, you can’t just count on profitable years.

Hardly any other type of property is better suited as an investment than the holiday home. It is not only characterized by an excellent location, but through modern media and Internet portals, the re-renting of these houses has become very easy. This makes it much easier to generate income with holiday homes. Of course, the cost-benefit calculation is particularly relevant. However, if you manage properly, you can afford a holiday home, gain capital by renting it out and also have a very private retreat in your favourite holiday home. What you should look for when buying a holiday home – and much more – you can find out here.

• Holiday home
• Buy weekend house

Prefabricated house: Turnkey? Costs & advantages and disadvantages

Especially for young adults, the dream of owning their own four walls is big. You want to invest your money and what is better than a property? If you are interested, a prefabricated house would be ideal, because with this type of construction the prices are usually lower. If you want to move in quickly and don’t want to put a lot of energy into building a house, you should look into prefabricated houses. Buy your house with land and have a bungalow, a villa or a terraced house built. The repertoire of providers is large. Compare the different types of houses, gather important experience and decide between materials such as wood or concrete. Move into your first and turnkey house soon!

• Prefabricated house: features, definition, advantages & disadvantages
• Buying a prefabricated house: Costs, construction, etc.

Wooden house: Sustainable living? Costs, construction time & maintenance

Due to the advantages and the cozy aura, the wooden house has established itself throughout Germany and is appreciated by many families. With the wooden house, a distinction is generally made between three types of construction. The classic is the log house, closely followed by the Umgebinde house and the wooden panel house. Only the log house is a purely wooden house, while the other two house types are only made of wood in the basic framework and are made of stone or composite materials in the interior fittings and wall surfaces.

As a living material, wood is very high-maintenance and must be regularly protected against the weather. Nevertheless, with a wooden house you can create an oasis of well-being, which convinces both visually, haptically and in the sensation. What else there is to know about buying a wooden house, you will find out in the following article.

• Wooden house

Country house: features, characteristics and live in the country

A country house is defined as a residential building, which is located on an estate. Mostly it is a large property to which a spacious garden belongs. Size, open space and a romantic, rustic style determine the image of a country house. Townhouses in country house style are becoming more and more popular. Both advantages, the good infrastructure and the rustic exterior appearance, are thus combined.

The massive structures with generous proportions are strikingly designed by the long balconies, terraces, dormers and pavilions. Real wood is a defining material of the country house – folding shutters, windows, doors and railings provide the harmonious style of the house. In some cases, a conservatory or carport is also part of the house. Warm tones, stone, ceramics, rattan and a tiled stove provide a feel-good atmosphere and bring relaxation and recreation.

• Country house

Solid house: Robust material & long service life

A solid house is a construction method of a house, whereby the house is built stone-on-stone from solid building materials. Individual wishes of the builder thus make each house a unique one-of-a-kind. On average, the lifespan of a solid house is about 100-120 years and is therefore more durable than a prefabricated house. The price per square meter of a new house is on average 1,300 euros for the construction costs excluding the land. There is no upper limit for the price limit.

Factors such as costs, materials and the duration of construction are very important when it comes to buying your own home. With the help of information on financing, the choice of land and the life of the house, you can form an opinion and decide which of the listed advantages and disadvantages are decisive for you – and whether a solid house is right for you.

• Massive house

Apartment building: Valuing real estate, apartments, rentals & co.

Your idea has manifested itself and your dream of a house is becoming reality. You have already looked at a few properties, compared prices and set your budget for buying a house. Before you enter into closer negotiations with sellers or reserve a property, you should plan the house financing and determine your conditions. The more professionally you proceed and the more concretely you plan, the less complicated the house purchase will be, from the idea to the financing to the notarisation to the conclusion of the contract. Then everything is ready for the rental of the apartment house. Learn everything here, from the valuation, to the rental of apartment buildings.

• Buy apartment house
• Buy or build a multi-family house?

Terraced house: Living door to door – Costs and advantages & disadvantages of building a house

Young families and couples, as well as anyone in the family planning process, are attracted to townhomes in the same way. Not because they are particularly modern and cool. On the contrary, terraced houses have acquired a somewhat dusty image over the years. But the cliché that terraced houses are only for squares is not at all true.

Due to its space-saving design, the housing form has a huge advantage, because often you can get them even in large cities still relatively close to the city center. Often you don’t even know that you are dealing with a terraced house, because the image that we have been given is wrong. Row houses can be found in Paris London, New York Berlin and all other metropolises. The simple reason for this is that terraced houses are built side by side without leaving space between the individual housing units, thus they require little land area and even in urban regions often come with a front garden or real garden.

• Terraced house

Beach house: living by the sea or renting to holidaymakers

A beach house can be used as a retreat as well as a modern home. A home that many dream of – do you? While the type of home can vary greatly, it remains true to its location – right on the beach. Whether it’s a luxury villa in the Hamptons, a modern bungalow in Calabria, or an aesthetically pleasing single-family home on the Baltic Sea, a direct oceanfront location makes the heart beat faster for many.

You’ve been dreaming of your own house for a long time? Do you prefer to spend time at the beach? Or do you want to invest in a holiday home to rent it out or sell it after renovation with added value? Then it’s time for you to look into beach homes. The beach house, which inspires with a dreamlike beach location, can be used as a home or as a profit-promising capital investment. In the following article you will learn what a beach house is and what advantages and disadvantages it has. Furthermore, the house construction as well as the house purchase will be explained to you in more detail and it will be pointed out what needs to be considered for different needs!

• Beach house

Villa: plot, garden and many rooms – city villa or villa in the countryside

You want to invest your money in real estate and build or buy a house? If you have an affinity for luxury and elegance, you should definitely look into the subject of a villa. A villa is long-lasting and an investment in the future. In this article you will learn everything you need to know about this special type of house. Do you prefer a modern or more Mediterranean style and when is a house a villa? It doesn’t matter whether you want to build in the city centre, in the countryside or on a hill with a pool. You can find the most important information here.

Are you interested in investing in a luxury property and would like to build or buy a villa? Then you will find a few useful tips on the subject here. Decide for yourself whether you want to renovate an old building to keep the charm or build a new building to design everything according to your ideas. Choose between a prefabricated house or a solid house because both have their advantages and disadvantages. Find out what they are below.

• Villa
• Buying a villa: Procedure, Checklist & Co.

Energy efficient building

1. Low-energy house
2. Zero-energy house
3. Passive House

Low-energy house: Live sustainably and save on ancillary costs?

Since 2007, there has been a draft law that attempts to regulate the energy efficiency of construction projects and thus improve the housing landscapes in cities and in the countryside in terms of sustainability. In order to obtain a building license, certain requirements must be met.

In addition, low-energy houses are supported with development loans, as the interest of the government and development banks also continues. Of course, not all new buildings have to be low-energy houses and categories under the definition of low-energy house also receive funding. However, with sustainable living, not only does the environment benefit, but you also save on energy costs. What it has to do with low-energy houses, you will learn in the following.

• Low-energy house

Zero energy house & passive house: definition, function, costs & requirements

Construction and architectural trends are moving more and more into the realm of sustainable living, as not only the environment demands it, but also legislators and consumers. Accordingly, the number of energy-efficient houses among new buildings has more than quadrupled in the area of office buildings, commercial spaces, hotels and also private households.

The zero-energy house and the passive house can be considered as a kind of master class of living. These house forms have the claim to have an energy balance of 0. This means that the already extremely reduced energy consumption is additionally covered by the house’s internal installations for generating renewable energies.

• Zero Energy House & Passive House

Commercial real estate

Buying commercial property – Would you like to buy a retail business, a kebab shop, a tattoo studio, practice and law firm premises, industrial property or entire technology parks? Avoid bad investments and make the best decision from the beginning with us. Buying commercial real estate is an investment for start-ups and business owners. The company grows in the new property. Location and selection criteria are of the commercial property set the course for the future of the company.

• Commercial property

Der Beitrag House types: What types of houses are there? Real estate guide erschien zuerst auf ℄ Real Estates.

Beach house: What actually is a beach house?

A beach house can be used as a retreat as well as a modern home. A home that many dream of – do you? While the type of home can vary greatly, it remains true to its location – right on the beach. Whether it’s a luxury villa in the Hamptons, a modern bungalow in Calabria, or an aesthetically pleasing single-family home on the Baltic Sea, a direct oceanfront location makes the heart beat faster for many. The following is an overview of the most popular beach house types:

You want to buy or build a house, but don’t know which one is right for you? Then take a look at our guide to house types from A – Z! Here you will find all house types, from bungalows to terraced houses and villas!

Luxury villa with beach view: Miami, Los Angeles & Co.

This type of property shines with its luxurious appearance, size and garden including pool. Characteristic of the villa on the beach is the mostly square floor plan and the construction in the height, with two to three floors. The style of construction of the villa enjoys a wide range. It can range from a modern flat-roof architecture to a rustic country house architecture to a Mediterranean architectural style (columns, oriels, etc.). Large window fronts, spacious terraces and beautifuly landscaped gardens including pool make the view of the sea even more dreamlike!

• Villa

Bungalow with terrace and garden: Holland or Austria?

The bungalow inspires with its detached architecture and the distribution of living spaces on one floor. Open living spaces, large doors and floor-to-ceiling window fronts are established as the main features of this popular house type. Direct access to the garden from every room is particularly popular. Especially families with children appreciate and love this advantage. This direct access to the garden and terrace can be combined fantastically with the direct location on the beach. So you can not only enter the garden from every room, but also walk directly towards the sea horizon.

• Bungalow

Penthouse with panoramic view: New York, London & Co.

The word penthouse is mostly associated with luxury and exclusivity. If this penthouse also has a panoramic view of the sea to offer, you are in the upper segment of luxury. Space, living comfort and luxury have established themselves as the main characteristics of the penthouse. If one follows the official definition of the penthouse, it is an exclusive apartment on the flat roof of a storey or high-rise building. We are not talking about a classic form of beach house, but about an apartment which knows how to inspire with a spectacular beach view!

• Penthouse

Pros & Cons: Beachfront location, investment & hidden costs

You have been playing with the idea of investing in a property with a fantastic location directly on the beach for a while? Divided opinions in your circle of friends and within your family, however, unsettle again and again? One thing is certain – every property comes with both advantages and disadvantages. You have to decide for yourself which criteria are the most important and have the highest priority. To help you with your decision, the most important advantages and disadvantages of a beach house are listed below:

Advantages: perfect beach location and holiday feeling as capital investment

As different as the construction type of a beach house can be, each one is the same in its location – the dream location on the beach. The highlight of every beach house is the direct view and access to the beach. Whether it’s a Mediterranean climate on the Italian coast, a cool sea breeze on the Baltic Sea, or a subtropical climate in Santa Monica, California, a beachfront property improves the quality of life by allowing more time to be spent outdoors and in nature. Sports activities such as surfing, hiking, or swimming often become a regular part of your daily routine. Furthermore, beachfront property can be traded as a safe investment. You can use the beach house as your own home as well as rent it out. This flexibility makes owning a property with an ocean view even more enjoyable.

• Nature on the doorstep
• Wide range of sports activities
• Rising market value with good location
• Flexibility (own home or rent out)
• Promising investment (rental income, high demand)
• Long-term profits
• Improved quality of life

Disadvantages for own use: poor infrastructure and isolation

There are different aspects to consider when looking at the disadvantages of a beach house. Depending on the use, location and interest, there are various things to consider. If you want to use the purchased property as your own home, you should not be blinded only by the beach at your doorstep. The mostly isolated location on the beach and the accompanying poor infrastructure, can make everyday life difficult. No public transportation, supermarket or retail in close proximity can become a major problem. The decelerated daily routine first celebrated can become established as a time-consuming endeavor. Furthermore, depending on the location, social life can differ significantly from that in big cities – feelings of loneliness and isolation, especially in the winter months, are not uncommon.

Disadvantages when renting: hidden costs at the beach house

You have to look at the project “beach house” with different eyes if you consider to use it as an investment and to rent it out. Here, despite the advantageous location, there may be gaps in bookings and a corresponding loss of rental income. Hidden costs in the registration of various rental platforms such as AirBnB, etc. should not be forgotten. Furthermore, a beach house often requires renovation work – wood paneling, verandas, etc. must be kept in shape, which is associated with work that should not be underestimated!

• Poor infrastructure with isolated location
• Insulation in winter months
• Accounting gaps and loss of rental income
• Hidden costs for registrations (AirBnB etc.)
• Leases, bureaucratic chaos
• Time-consuming renovation work

Tip. If you’re looking to remodel a home and increase the value, read even more about renovations & utility costs here!

Things to know about the beach house: room layout, capital investment and more

You associate a beach house with holiday feelings and relaxed everyday life? All true, but a beach house can do much more. The following explains which design features you can count on and which advantages they bring with them. Relaxed holiday feeling is not enough for you? Then there is the possibility of reading more closely into the world of capital investments. The beach house is often celebrated as the perfect investment for a reason.

Potential room layout: beach house with window front, open room layout and terrace

A beach house is defined neither by a characteristic room layout nor by a certain architectural style – the main feature is the dreamlike location on the beach. Depending on this aspect, a terrace with a beautiful garden where you can enjoy the view of the beach is not uncommon. Furthermore, beach houses are often built with an open room design and large window fronts. All these measures are taken to get the maximum beach feeling also in the house. Whether conservatory, terrace or balcony – you will find a beach house that offers you the ultimate sea feeling and a fantastic beach view.

Beach house as an investment: Rent out a house on the beach

You have convinced the many advantages of a beach house and you have found in this property, the perfect investment for you? Then the following should be considered: Basic knowledge is the A&O. So that you can successfuly generate a profit, you must be aware of the value of your property. The value of the property (usually in € per square metre) plays an important role here. The size, the condition of the house and the age of the technical equipment also affect the value of the property. In the case of the beach house, the location can be considered a bonus, since the direct location by the sea is very popular both as a holiday residence and for longer rentals. The following is a summary of the most important points to consider:

• Analyze situation
• Evaluate infrastructure
• Purchase price and condition of the property must be in a good ratio
• Consider the risk of loss of rent

Tip! Real estate as an investment? Find out here what you should look out for.

Buying a beach house: Arguments, advantages & disadvantages of buying a house

Requirements: Step by step to the dream property on the beach

As the first step on the road to buying your beach house, you need to come up with a strategy and plan, and answer some basic questions. What kind of budget do I have? What style of construction do I prefer? Do I want a beach house or a bungalow? How many rooms do I need? How many square meters should my house and plot have? Do I need to be close to a school or supermarket? After you have found answers to all these basic questions, you can venture to the second point – financing!

Financing a beach house: Financing Tips & Options

Now you know what you want, now it’s time to be able to implement this plan financially. It is important that you are aware of the big commitment when taking out a construction financing and a loan. Before you take out a building loan, you must check your own financial resources. Do I already own a home? Do I have a building savings contract? What does my monthly income look like? What fixed costs, such as insurance or ancillary costs, such as holidays, car purchase, etc. must be taken into account?

If a bank grants you a building loan, it is recommended to provide at least 10-20% of the purchase sum and ancillary purchase costs as equity capital. Another important point is the repayment period. According to recommendations, it is advisable that you plan your financing so that you have paid off your debts by the age of 60. All this depends, among other things, on the repayment rate. You can find more detailed information on financing here! The following is a summary of the most important points for you:

• Determine the initial situation (budget, what do I want, etc.)
• Don’t forget incidental costs (hidden costs when buying real estate (agent’s commission, notarisation of the purchase contract, etc.).
• Long-term planning and debt restructuring in the form of a follow-up loan
• Obtain several financing offers
• Choice of long-term financing
• Examine a wide range of offers (allow time)
• Include repayment

Search for the beach house: ads, realtors and a lot of patience

If you have followed the first steps, you now have a precise idea of your dream house on the beach and have a financing plan. In order to realize your dream as realistically as possible, it is advisable to hire a real estate agent. He will accompany you throughout the entire real estate journey, support you with insider tips and advise you on the final decision. The wide range of exposés can often seem overwhelming and bring chaos.

Important tip: Don’t lose sight of your ideas and requirements and keep an overview. Checklists are the key!

Viewing appointment: daylight, location, checklist and co.

After you’ve successfuly navigated your way through a large amount of listings with the help of your agent, the next step is the viewing appointment and everything that needs to be considered around it. Before you visit the property, it is recommended that you create a checklist to cover all the important aspects and to have questions answered at the end of the visit. The following is an overview of the most important points to consider during a viewing, so that a decision can be made at the end:

• Draw up a list of questions before the viewing (type of heating, operating costs, renovations etc.)
• Daylight (defects and faults can be better detected)
• Take a close look at the surroundings / location (noise, smells, parking situation, etc.)
• Analyse infrastructure (local transport connections, supermarkets, etc.)
• Conducting conversations with neighbours (insider knowledge)
• Examine the condition of the facade, roof, attic, cellars and windows.
• Note water stains, outdated windows, poor insulation, etc.
• Take pictures during the tour

Legal aspects of buying a beach house: purchase contract, land register entry and co.

You have already successfuly completed several steps on the way to buying a house, now you need to be legally secured. First and foremost, your purchase contract must be notarized. At a notarisation meeting, the contract is read out again by the notary to both parties and final questions can be answered. The property is only recognised as your property when you have paid the purchase price in full. This will be accompanied by the transfer of ownership in the land register by the notary. The official “economic transfer” will also be recorded in the notary contract. From that moment on, when your name is entered in the land register, you as the buyer are the final owner of your beach house. The following is a summary of the most important points:

• Notarization of a sales contract
• Transfer of ownership (lecture by notary)
• Land register entry (notary, only after transfer of the complete purchase price)
• Certificate of no objection from the tax office (payment of the real estate transfer tax by the buyer)

Building a beach house: Arguments, advantages & disadvantages of building a house

The decision is made – nothing stands in the way of your dream of a beach house. Now you have to decide whether you want to build, buy or rent. Especially house building is becoming more and more popular – according to a survey in Germany alone, about 1.17 million people are planning to build a house within the next one or two years. If you’re going to build a house, why not do it right on the beach? You can realize your individual ideas, give free rein to your creative streak and call a dreamlike setting your home. The following is an overview of important aspects that need to be considered when building a house.

Important aspects when building a beach house – financing options and co.

Similar to buying a house, you need to consider many different aspects when building a beach house. An exact idea of size, style, room layout etc. is strongly recommended. Once you have structured your personal wishes, it is a good idea to have them checked by an expert and get several offers. A fixed budget, financing options and a fixed time frame will also make building a house easier. The following is an overview of the most important points that you need to consider when building a house:

• Stay informed and critical
• Weigh up financing options
• Obtain different offers
• Find a plot of land (infrastructure, soil conditions, etc.)
• Observe building regulations
• Set up strategy and plan (What do I want?)
• Include additional costs (notary fees, surveying fees, etc.)
• Draft detailed building specifications (participate in the construction of the house)
• Good research (building materials, wall construction, heating, etc.). (do not save at the wrong ends)
• Control is better than trust

Beach house: possibilities & house forms – prefabricated house or classic solid house?

The prefabricated house is characterized by its unusual method of construction. This type of house construction does not take place on site. The individual house elements are previously created in production halls and then assembled like building blocks on the property. As large advantages the fast building time and the more favorable costs are acted here in comparison to the massif house. However, the lack of individual components proves to be a disadvantage. There is little room for your personal design taste and your creative design vein in a prefabricated house. Furthermore, the quality is lower than in a solid construction, which is also accompanied by poor sound insulation. If you take this thought further, you can see that the resale value also decreases over time. Have you decided to fulfill your dream of your own four walls in beach location, you can implement this in the form of a solid house more individual.

Der Beitrag Beach house: Advantages & disadvantages of real estate investment, capital investment at the beach erschien zuerst auf ℄ Real Estates.