Regular rental income
Real estate can offer stable returns through regular rental income, creating a reliable source of income.
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Real estate as an investment
Intro
Why real estate remains relevant in the long term
Housing remains a fundamental need, especially in strong urban regions. Real estate combines tangible substance with a long-term perspective and creates a stable foundation for sustainable wealth building.
Future-proof asset
As a stable form of investment, real estate can serve as an anchor in wealth building and offer long-term potential for value growth.
Protection against inflation
As a lasting tangible asset, real estate offers a stable form of wealth preservation, as rental income and property values can rise with inflation.
Tax benefits
Tax depreciation options can make long-term real estate investments additionally attractive from a financial perspective.
Retirement provision
A property can contribute to long-term financial security and preserve wealth across generations.
Tangible investment
Real estate creates real value and offers a long-term, tangible form of investment.
A flexible approach to ownership
Renting out
A property can be rented out over the long term and generate regular rental income. At the same time, it creates housing for people looking for a home. Looking ahead, the option remains to use the property yourself at a later point in time.
Use yourself
Owner-occupation creates independence from the rental market and space for living according to your own ideas. The property becomes a personal centre of life and part of your own life planning. At the same time, the option remains to rent out the property at a later point in time.
Requirements for investors
A real estate investment needs a solid foundation. Those who assess financing, ongoing costs and strategy realistically at an early stage create greater certainty for their decision.
What matters:
- Check financing: Assess equity, creditworthiness and monthly costs.
- Plan for costs: Take purchase-related costs, management, reserves and maintenance into account.
- Define the strategy: Consider rental, owner-occupation or long-term holding early on.
- Review documents: Carefully check the purchase agreement, declaration of division and key financial figures.
- Seek advice: Clarify tax, legal and financial questions individually.
Make an informed decision. Answers to key questions about investing in real estate.
How much equity do I need to contribute?
The amount of equity depends on the purchase price, financing and personal situation. A higher equity share can improve financing conditions and reduce the monthly financial burden. Purchase-related costs should also be planned realistically from the outset.
What purchase-related costs should I expect?
In addition to the purchase price, further costs apply when purchasing a property, including real estate transfer tax, notary and land register fees, and, where applicable, estate agent fees. In Bavaria, the real estate transfer tax is currently 3.5 percent of the purchase price.
What role do interest and repayment play in financing?
The mortgage interest rate and initial repayment rate largely determine the monthly instalment and the long-term financing structure. Realistic planning therefore takes into account not only the purchase price, but also ongoing costs, reserves and possible changes in the interest rate environment.
How high is the rental yield of a property?
The rental yield shows the ratio of annual rental income to the purchase price of the property. It is an important figure for assessing profitability, but should always be considered together with location, demand, condition, ancillary costs and long-term value development.
What tax benefits can an investment offer?
For rented properties, certain costs may be tax-deductible. Depending on the individual situation, these may include depreciation, financing costs or maintenance expenses, for example. The specific tax assessment should be clarified with a tax advisor.
What level of effort is involved with a rented property?
A rented property involves tasks such as management, maintenance, communication with tenants and the ongoing review of costs and income. Many of these tasks can be supported by professional property or rental management.
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