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Capital investment real estate – how do I invest my money sensibly today?

The question of which capital investment is the most lucrative cannot be answered in general terms. Depending on the investment volume and personal goals, the search for the best investments can be more or less difficult. Fact is however that the correct investment with a suitable net yield brings a worthwhile increase in value with itself and has many advantages for the investor. Find out everything about capital investment and which one is suitable for your individual capital.

Investment money sensibly – which investments are really worthwhile themselves

Many things can be considered as capital investments, but most of them are only profitable for a certain amount of capital invested. From real estate and life insurance to gold and diamonds, there is a wide range of investment projects suitable for investors.

Real estate as capital investment – houses and properties in the comparison

Using real estate as a capital investment is currently a trend and for good reason. Interest rates are currently at an all-time low, which has a negative impact not only on the profitability of traditional investments such as government bonds or equities, but also on the conditions for loans. These are very attractive due to the low interest rates, which means that home buyers can take out loans at very advantageous conditions from banks. But also the development of the real estate market speaks for the investment in a real estate. The prices for investment real estates rise constantly, particularly in announced areas, like Berlin, Hamburg or Munich which is reflected in a high net yield.

Real estate as a capital investment can be used in three different ways. First of all by the self-use. A real estate is bought and the owner lives even in this, saves thus renting costs and uses its investment. Of course, the property can also be rented. Thus the capital investment is used to take monthly rents and to increase so its own capital funds. In addition, the money can also be invested indirectly in real estate through real estate shares or funds. A lucrative method for investors of smaller capital or such, which shy the administrative expenditure of their own real estate. However, it should be clearly mentioned that a property is a long-term investment and is not suitable or profitable for short-term investments.

The 9 most important key figures – real estate as investments

  • Purchase price – The purchase price should always be set in relation to the annual cold rent. Check here whether the ratio is usual for the location. A factor of 20-25 tends to be favourable and common in most locations, but from a factor of 30 it gets expensive.
  • Ancillary costs – In your calculation, pay attention in any case to the land transfer tax, the notary costs and the broker commission, as these can make up a considerable amount
  • Lifetime – A property is a long-term investment. The desired useful life should always be known in advance, also in order to evaluate the lucrativeness of the property.
  • Income – What is the range of square metre costs in your region? And what rental income can be expected? Consider also the case, if the real estate stands empty and a new tenant must be found and associated rent losses.
  • Administrative costs – What are the administrative costs of the property?
  • Maintenance effort – How old is the property and is it possible to incur future costs for renovation, refurbishment, etc.?
  • Taxes – How high is the depreciation and the marginal tax rate and what effects can this have on the property as an investment?
  • Financing – Do you need financing to acquire the property as an investment? Pay attention to the monthly repayment rates and whether a property as an investment is still worthwhile for you.
  • Resale – What influences the performance of your property and how can you sell it profitably in the future?

One-family house as capital investment – rental, owner-occupation or as holiday home

Investing in a detached house has many advantages. For the investment in a house a considerable capital is presupposed first of all natural. By letting the invested capital can grow however and the real estate pays off in the long term. A single-family house offers the advantages compared with other investment properties that it can be offered depending on location and quality at a high rent rate and the investment pays off after a shorter time and produces success. Single-family homes are also very popular with young families in particular. Of course, a single-family house can also be used for one’s own purposes or made available to one’s own children or family members. Single-family houses are also suitable as holiday homes in the right areas and can be rented as such temporarily.

land as investment – clever businessmen attentive

The acquisition of land as an investment can be very profitable if certain things are taken into account. On the one hand, due to steadily rising population rates, it can be assumed that land will no longer lose value in the future. In addition, buyers have the advantage that the additional proceeds that arise after the sale of the property become tax-free after a holding period of at least 10 years. During the holding period, the capital employed can also be increased by rental or leasing income. An additional possibility is the rental of very small rental spaces, such as garages, parking spaces, parking lots, storage containers, but also the rental of space for advertising, vending machines or clothing collection boxes is possible. A trick that clever businessmen use again and again is the purchase of very large areas of arable land. This land is then divided into smaller sections and resold for the construction of detached houses, for example. Large plots are usually relatively inexpensive compared to smaller plots, which makes the sale of several divided small plots profitable.

Investing in land also has some advantages over investing in real estate. The holding costs are comparatively lower. In addition, a property has a lower risk of damage to the building or rental nomads, for example.

Two-family & multiple dwelling as an investment – much responsibility for investors

First and foremost, two-family houses or apartment buildings have the advantage that they generate regular rental income from several tenants instead of just one rental income per month, as is the case with single-family houses. The security of the capital increase is therefore comparatively high with multi-family houses, whereby it must also be noted that the capital contribution must also be higher than with a single-family house or a property. A further risk is possible loss of rent or expensive repairs that have to be carried out on the house. Investing in a multi-family house involves a lot of responsibility and in the worst case can mean a lot of work, but the capital investment can also be very profitable and have many advantages.

Condominium apartment as capital investment – small starting capital, high capital maximization

A condominium as a capital investment offers great opportunities to maximize the capital invested. The possibilities are somewhat limited compared to a house as an investment, but the risk is lower. The rental of the condominium brings a monthly rent, which expands the invested capital. As a condition however a lower starting capital is necessary than with purchase of a house, which is extremely advantageous for many buyers. The risk of loss of rent also exists with this capital investment, but the risk of damage is much lower than with a house. The condominium can also be used as a holiday home and can be rented to tenants for a short period of time or used for one’s own purposes.

New building VS old building – care and maintenance of the investment

The question of a new building or an old building is not always easy, because both captivate with their own advantages. A new building has the decisive advantage that the property can be designed entirely according to the wishes of the client. This applies both to the property itself and to the choice of location. If a house is newly built, the latest technology is always used. Both in terms of security and theft protection as well as energy efficiency. The latest insulation and thermal insulation not only helps the environment, but also reduces heating costs. But a building also has one or two disadvantages. Building a house can be very strenuous and exhausting, as the client always has to keep control over the building site and the work required. In case of problems with the developer, the client always gets the short end of the stick, as the money invested is usually lost. In addition, construction errors are only noticed very late in a new building, usually after a few years. In addition, a new building is more expensive than an old one because everything has to be made new. With an old building, on the other hand, the stressful planning and construction phase is eliminated and the move-in can be started immediately. The old building also has the advantage that it can be inspected and checked for construction errors in advance. Since there are no costs for the public development, old buildings are usually cheaper than a new building, even if with an old building often still renovation and redevelopment costs result. In order to avoid these costs as much as possible, a detailed appraisal of the building should be made in advance to avoid any negative surprises. A further disadvantage of the old building is that conversion measures are often only limitedly possible due to the building structure or a monument protection.

5 Tipps for buyers – a real estate as investment

  • Tip 1: Clarify budget early
    The amount of equity capital is the most important indicator that future real estate owners should deal with. This key figure is not only important for the calculation, but also for the repayment of the possible loan and interest. How much budget is available is therefore decisive for the purchase decision process and has the greatest influence on it.
  • Tip 2: erase as high as possible
    The initial redemption should be at least two percent, so that you also have something of your property in the long term. This plays an important role, especially in periods of low interest rates, as the repayment portion of the rate increases more slowly with low interest rates than with high ones.
  • Tip 3: Estimate prices correctly
    In order not to buy a property above the market price, important parameters should always be compared in advance. Points such as location, price development, environment and equipment or the size of the house should be compared with the individual market of the environment.
  • Tip 4: Hedging interest rates
    Choosing a long borrowing rate commitment is essential for real estate buyers, because if the market interest rate has risen at the end of the borrowing rate commitment, the credit rates automatically become expensive. A low-interest phase should therefore be exploited in order to secure the best interest rates for the entire term if possible. Full planning security is provided by full repayment loans that are fully paid off at the end of the fixed interest period.
  • Tip 5: Always keep calm
    Even if market pressure prevails, the decision to invest in real estate should not be made prematurely. It means keeping calm and always rethinking the decision well. Always consider the rental income in relation to the yields of other investments when making this decision.

Savings deposits as capital investment – little effort and hardly any obligations

In the case of savings algae, the capital is held in a savings account on which interest is calculated. The amount of interest income depends on the situation on the current financial market, which is subject to constant fluctuations. Even if the savings account was opened at a time with advantageously high interest rates, these can slide in the next months to lowest values. The savings deposits are invested for an indefinite period and cannot be used for normal payment transactions during this period. In order to dispose of the money, the savings account must be presented at the bank and a limited amount can thus be paid out per month. Savings deposits are usually subject to three months’ notice. However, the interest earned is not credited to the account until 31.12. of the calendar year. A capital investment in the form of a savings deposit therefore has many advantages. This type of investment is very easy for the investor, as there are hardly any obligations and the money multiplies by itself. Unfortunately the disadvantages are not to be forgotten, since the quantity of the capital growth is very inaccurate due to interest fluctuations and depending upon situation more or less lucrative.

Life insurances as investment – long running time and a secured profit

Life insurance serves to save money and at the same time to increase and for the future, mostly to provide for the pension. When taking out a endowment life insurance policy, a fixed amount is paid in by the insured person monthly or annually over a certain period of usually 12 years. From these payments, the insurance company charges a fee for administration and risk protection. The remaining amount is invested by the insurance company in other forms of investment, such as real estate, shares or bonds. The insurance company has a guaranteed interest rate, which it must adhere to, which is usually 0.9 percent. The insured person thus receives at least 0.9 percent more money back at the end of the contract term than he has paid in over the years. At the end of the contract term, the insured receives the money that he has paid in over the entire term again and additionally the surpluses that the insurance has earned over the years. Depending on this, one receives more or less money through interest again, but at least 0.9 percent interest income.

This possibility of the investments is very uncomplicated, since the investor does not have to do much. However the investor with a life insurance buys the cat in the Sack′ so to speak, because the exact net yield becomes really apparent only at the end of the contract running time. The expenditure is very small for it, since only the contribution must be paid and at the end more money waits for the investor, than it deposited.

shares as investment – high chances of profit on risk

Shares represent shares in a company that has issued them and trades on the stock exchange. Depending on the value and number of shares, the buyer is co-owner of a certain percentage of the company and participates in the company’s success. The company sells certain company shares in order to increase its equity. If the company generates profits, the value of the share increases and the share buyers also receive a portion of the profit. In such a case one speaks of the dividend. In the best case the share buyer profits from a rising share value and the dividend and thus increases the invested capital. The risk, however, is to buy the stock of a company that does not make a profit. In this case, the share loses value and there is no dividend for the share buyer.

A share as an investment therefore carries a high risk, as the success of the own capital is linked to the success of the company. Even in crisis-proof companies, there is always a risk that can lead to losses. A scandal, an accident, a bad decision by the company management or similar are sufficient to turn a safe share into a risk share. On the other hand, however, shares can also experience high flights of fancy and provide the share buyer with undreamt-of high returns. Shares as an investment are therefore particularly suitable for investors who are familiar with the sector and can financially cope with possible losses. It is important not to bet everything on one horse, but to invest in shares of several potential companies and to keep the chances of profit as high as possible.

Real Estate Appraisals Munich / Germany – Free with RE:AO

Should you sell to the current situation? In particular with a future increase to up to 1,512,694 inhabitants and a preceding demographic development from 1,452,019 to 1,476,547, Munich is sustainably growing, spread over 750,189 women as well as 714,112 men or 310.71 km² of urban area. No valuer can be found and free online calculators are not usable? We have the most important statistics for Munich. Completed in 1945 or 1990, many ask themselves this one question, how much is an old house worth? Calculating the price of the house yourself is difficult but you can at least get an idea of the market value. In order to make a serious assessment of your home of one’s own, costs are pre-programmed to be determined by yourself. An appraisal of the value of your home according to the inheritance or according to the marriage causes expenses and thus construction costs. No matter if private or business decision, divorce or assumed inheritance of a loved one, for many the first and possibly the only sale of the house is imminent this year.

Demography of households: Housing market in Munich

With 1,464,301 people, Munich is counted among the larger cities in Bavaria. More on this topic later.

Price per square metre in Munich

New building in Munich

building plot €/m²

Price Today Increase Net
from 870.00 1,087.41 217.41
to 2,000.00 2,499.80 499.80
Cut 1.350,00 1,687.37 337.37

Statistics: empirica / LBS Research

Price for terraced house €/m²

Price Today Increase Net
from 490.00 612.45 122.45
to 700,00 874.93 174.93
Cut 570.00 712.44 142.44

Apartment Price € per m²

Price Today Increase Difference
from 4.500,00 5,624.55 1,124.55
to 9,000.00 11,249.10 2,249.10
Cut 5,900.00 7,374.41 1,474.41

Statistical source: empirica / LBS Research

Buy a house: Interesting guides and checklist for your purchase

Use yourself or rent to persons for a new capital investment?

Used properties in Munich

Purchase price in thousand €

for own home

Price The time Increase Difference
from 600,00 749.94 149.94
to 1.600,00 1,999.84 399.84
Cut 910.00 1,137.41 227.41

empirica / LBS Research (data source)

Purchase price for terraced houses in thousands €

Price The time Increase Difference
from 440.00 549.96 109.96
to 930.00 1,162.41 232.41
Cut 680.00 849.93 169.93

Statistical source: empirica / LBS Research

Purchase price for condominiums Euro / m²

Price The time Increase Difference
from 3,000.00 3,749.70 749.70
to 8,000.00 9,999.20 1,999.20
Cut 4.800,00 5,999.52 1,199.52

empirica / LBS Research (data source)

Energy saving: costs and building materials

Who invests in one, two or also in whole multi-family houses and housing estates, will count naturally also inevitably costs, which of the costs for consultants, taxes, brokers, experts and offices in Munich on investors will come for example building materials like: Aggregates (sand, gravel, expanded clay…), iron and steel (structural steel, reinforcing steel mesh, cast iron, sectional steel…), binding agents (cement, anhydrite binder…) and glass (glass brick…). Almost every single house purchase is connected with extensive know-how and to it belongs so much more what has to be done like floor plan of the house as well as energy certificate.

To a good house purchase belongs still substantially more like offers of building firms and evaluations.

Buy a house: Video recommendation

Here are some tips directly from house brokers.

These 10 tips from the experts will help you make the right purchase decision.

Development of households in urban areas

Data sources:

Households in downtown Munich

Living in the city:

Households today 2035 Difference
1 776.080 820.009 43.929
2 424.647 410.004 -14.643
3 131.787 117.144 -14.643
4 87.858 86.394 -1.464
5+ 29.286 26.357 -2.929

Source: Federal Statistical Office

Munich surrounding area

Munich surroundings:

Households today 2035 Change
1 600.363 644.292 43.929
2 497.862 527.148 29.286
3 175.716 146.430 -29.286
4 131.787 117.144 -14.643
5+ 43.929 42.465 -1.464

Data source: Federal Statistical Office

House Sale

Real estate sales on Internet pages for real estates such as Immonet.de or Immoscout24, salesmen of houses place themselves mainly questions around the market value of the own real estate.

  • Who’s doing that?
  • Is there a renowned guidebook or checklist?
  • What maximum price do I quote for something like this?
  • What to consider when viewing and buying old objects, keyword defects?
  • Let your own house be appraised?

Finally, one of many interesting questions and answers. You can find more in the Immo Wiki:

What exact factors do you need for a solid calculation of the value of your Munich real estate?

A realistic market value is clearly in first place on your diary. You have to take into account various important and less important factors such as the location of your house (is the location shady/sunny, close parking space for your own car and not quiet motorway behind the house), the energy certificate to calculate the value of your old or inherited property in an understandable way. Contact me to find out the value of your property.

Ihrhausverkauf.de (source)

Sell real estate: Current tips and videos

Selling a property: knowledge about taxes.

Equity and Financing Tips

Whether Schwäbisch Hall, your Landesbank, DKB or Allianz, almost all house sellers here almost always rely on your experienced bank. Thousands of questions also reach us on the subject of financing without equity capital. Buy a house without equity?buy your own home or condominium in Munich?

Real Estate Appraisals Cologne / Germany – Sell & Buy! Calculate with RE:AO

Are you currently selling? Due to a previous demographic development from 1,066,910 to 1,084,933 (new 9025) and a future increase to 1,111,493 inhabitants, Cologne is growing, spread over 405.02 square kilometres. Your house is to be sold, but: free value calculator or experienced expert for the valuation of your own house? We have all the relevant statistics and data for Cologne, with strong and reputable sources as well as LBS Research, etc. Whether inherited, divorced or moving, get to know the prices for real estate in your neighborhood. It is difficult to estimate the value of the house itself but you can at least get a rough idea of the market value. Year of construction 1985 or 1990, many ask themselves exactly at this moment, what is the value of my old house? to have your own house valued by experience An appraisal of the value of your house after the inheritance or after the marriage causes expenses and costs.

Price per square metre

Current new construction prices

Price for building plot € / m²

Price Today Increase Net Increase
from 50.00 62.50 12.50
to 1.350,00 1,687.37 337.37
Cut 375.00 468.71 93.71

Source: empirica / LBS Research

Series home € per m²

Price The time Increase Net Growth
from 140,00 174.99 34.99
to 890.00 1,112.41 222.41
Cut 310,00 387.47 77.47

Apartment Price in €/m²

Price Today Increase Net Increase
from 1.400,00 1,749.86 349.86
to 8.500,00 10,624.15 2,124.15
Cut 3,300.00 4,124.67 824.67

Statistics: empirica / LBS Research

Buy a house to live in or as a capital investment: Video Tip

Are you looking for an old house? Then you should have a look at this real estate video.

Let an apartment for another capital investment or use it yourself?

Current market value for used properties in Cologne

Purchase price in thousands of Euro

Price Current Increase Difference
from 130,00 162.49 32.49
to 2,000.00 2,499.80 499.80
Cut 420,00 524.96 104.96

empirica / LBS Research (Source)

Price for terraced houses in thousands €

Price Current Increase Net
from 130,00 162.49 32.49
to 550.00 687.45 137.45
Cut 280.00 349.97 69.97

empirica / LBS Research (data source)

Purchase price for freehold flats € per m² living space

Price The time Increase Difference
from 800,00 999.92 199.92
to 7,500.00 9,374.25 1,874.25
Cut 2.320,00 2,899.77 579.77

empirica / LBS Research (Source)

Costs, renovation and construction site

Even after a capital investment you have to reckon with additional costs at the construction site, which of the costs for the notary, the bank and offices will be incurred by the new owner, for example building materials such as: Asphalt (asphalt concrete…), iron and steel (structural steel, reinforcing steel mesh, cast iron, profile steel…), artificial bricks (bricks, clinker bricks, roof tiles, cellular concrete, clay bricks…) as well as mortar (masonry mortar, plaster mortar, tile adhesive…). To a good house purchase comes still substantially more like the energy document of identification in addition, the sketch of the object.

Pretty much every home purchase is demanding and in practice this involves much more than development as well as authentications.

Buy a house yourself or as a capital investment: Current Absolutely free tips from real estate experts

Nothing new, you are interested in an older property? Then you must see this video.

Honest tips from the realtor.

Development of the urban housing structure

Our data sources:

Households in Cologne’s centre

Living in the city centre:

Households today 2035 Difference
1 570.246 602.524 32.278
2 312.021 301.262 -10.759
3 96.834 86.075 -10.759
4 64.556 63.480 -1.076
over 5 21.519 19.367 -2.152

Source: Federal Statistical Office

Cologne suburbs

Living space in the suburbs:

Households / Persons today 2035 Growth
1 441.133 473.411 32.278
2 365.818 387.337 21.519
3 129.112 107.594 -21.519
4 96.834 86.075 -10.759
more than 5 32.278 31.202 -1.076

Statistical source: Federal Statistical Office

House Sale

All the same whether selling on real estate portals such as Immoscout24.de or Immonet.de, for each salesman place themselves first in particular questions around the estimate of the own real estate.

  • Tricks and tips for the first price negotiation?
  • What does it cost?
  • Exist recommended guidebooks or also shorter checklists?
  • House evaluation from the specialist?
  • exist free online price calculator for the rating?

Documents: Lots of invoices and reports you should provide?

A distinction is made between the various types of real estate, such as yield property, condominium, land and house, and different documents are required in each case, such as floor plans, liens on real property and construction drawings and much more.

Whether inherited, divorced or capital restructuring, before you think about the sale of your unused home, you should start the planning but also the thoughtful organization of the sale calmly and at the same time also think about the future life planning, for your family and yourself, so that everything will run smoothly. For most people, a house is not just a roof over their head, but a special object with many valuable stories, connected with personal emotions and memories (such as the children’s graduation) and thus has a personally priceless value. That is why you take the necessary research time for offers with your decision. Whether a broken love, the love or a change of scenery – whatever reasons the house sale seems to have, proceed cautiously step by step! The personal sales goal or goals must be recorded in advance in consultation with real estate agents, tradesmen and previous bank, so inform yourself beforehand in detail from experts, in addition to archiving all receipts, documents preferably as originals and invoices. In addition, to invest some extra work and time in your own house and make it more attractive again, always pays off for sellers to efficiently improve the value of the house and so even to take a close look at supposed trifles such as surf speed, installation windows, etc. to improve the value of the house. Too little precise information but also time pressure are the reason for possible losses in net profit. Therefore, you should focus on important documents and price calculations in advance, so that you can advertise your house at a high price next to all the exposés of professional brokers in order to place your advertisement optimally next to the competition. My guide will help you and your family as a layman without many foreign words to master a stress-free, successful and above all carefully planned sale of the property with or without additional property.

Sell real estate: Tips and Videos

December or April: When is the best season to sell a house?

Best possible financing for renovation or modernization

Whether ING Diba, VR Bank, VR Bank or HDI, many rely on their own proven bank. Buy an apartment or condominium in Cologne?

How do I get a real estate loan from my preferred bank in Germany?

Real Estate Appraisals for Hannover / Germany – RE:AO

Property for sale in Hannover or surrounding area? With the demographic development from 528,394 to 537,320 and in the coming years to 550,474 inhabitants (a total of 17,610) Hannover is clearly growing, divided into 259,559 men and 273,305 women. Free market value calculator or renowned appraiser for the reliable valuation of your own property? Financing or investment for something new, we have all the important data for the house sale in Hannover. First occupation 1945 or 1995, some ask themselves, what price per square metre can we charge for an older property? The value of the house itself is difficult to determine, but one can at least make an approximate idea of the market value. to determine one’s own house, costs for the calculation are completely determined by themselves beforehand. Regardless of whether it is a new life situation, divorce from a spouse or the assumed inheritance of a loved one, for many people their first house sale is imminent this year.

Price per square meter in Hanover

First of all – Tips for your Selling!

Current prices for new building in Hannover

land prices € per m²

Price Today Increase Difference
from 120,00 149.99 29.99
to 550.00 687.45 137.45
Cut 255.00 318.72 63.72

Source: empirica / LBS Research

Current price for row house €/m²

Price Current Increase Difference
from 200.00 249.98 49.98
to 355.00 443.71 88.71
Cut 240,00 299.98 59.98

Condominium apartment €/m² living space

Price The time Increase Difference
from 1,800.00 2,249.82 449.82
to 4.800,00 5,999.52 1,199.52
Cut 2,550.00 3,187.25 637.25

empirica / LBS Research (Source)

Buy a house: Current video recommendations of our editorial office

Purchase price negotiation, consider for the decisive success these, free 10 negotiation tips for your home purchase.

Make your purchase decision: Ten recommendations for buying a house.

Helpful hints for buying a condominium in Hanover.

Used

Purchase price in thousand €

for own home

Price The time Increase Net Growth
from 180,00 224.98 44.98
to 600,00 749.94 149.94
Cut 270,00 337.47 67.47

empirica / LBS Research (Source)

Purchase price for terraced houses in thousands €

Price Today Increase Net
from 150,00 187.49 37.49
to 280.00 349.97 69.97
Cut 225.00 281.23 56.23

empirica / LBS Research (data source)

Condominium apartment purchase price Euro/m² living space

Price Current Increase Net
from 800,00 999.92 199.92
to 4.500,00 5,624.55 1,124.55
Cut 1,750.00 2,187.33 437.33

Data source: empirica / LBS Research

Residential construction: renovation and construction company

But even after the capital investment has been made, you will inevitably have to reckon with expenses at the construction site, which will cover the costs for the notary, real estate portals, appraisers, the bank, brokers and experts for a building material such as

  • Iron and steel (structural steel, reinforcing bars…)
  • Plastics/thermoplastics (polyethylene (PE), polyvinyl chloride (PVC), polypropylene (PP), polystyrene (PS), polyamide…)
  • binders (cement, building plaster, anhydrite binders…)
  • Mortar (masonry mortar, plaster mortar, screed mortar…)

There is much more to buying a house than the energy certificate and the floor plan of the house.

Buy a house: Interesting video recommendation

Calculate your own valuation of condominiums to live in the property or as an investment for retirement?

Households and urban development

More information about our sources and statistics:

Households in Hanover’s Old Town

Life in the City of Hanover:

Households (persons) today 2035 Growth
1 282.418 298.404 15.986
2 154.531 149.202 -5.329
3 47.958 42.629 -5.329
4 31.972 31.439 -533
over 5 10.657 9,592 -1.066

Statistics: Federal Statistical Office

Hanoverian environment

Demographic development in the surrounding area:

Households (persons) today 2035 Growth
1 218.474 234.460 15.986
2 181.174 191.831 10.657
3 63.944 53.286 -10.657
4 47.958 42.629 -5.329
over 5 15.986 15.453 -533

Data source: Federal Statistical Office

House Sale

Selling on real estate portals such as Immoscout24 or Immonet, sellers initially ask themselves questions about the estimated value of their own real estate.

  • What do you have to consider as a buyer when viewing and buying older objects, think of all hidden and obvious defects on the house?
  • Exist free online price calculator?
  • What are the best tips and tricks for your first price negotiation?

Finally, one of many important questions and answers. You can find even more in the Immo Wiki:

Where do you get an energy certificate from?

The Energy Performance Certificate as a document indicates the energy status of a property at present, this is done under the regulations of the so-called Energy Saving Ordinance (EnEV). The direct submission to the interested party is to be considered for the successful sale of a single or multiple dwelling in any case. Penalties can go up to 15,000 euros for misdemeanours. The energy certificate for your house can be applied for against payment e.g. by an energy consultant near Hanover.

Your house sale (source)

House Selling: Video Tip

Here you can see all videos about Hausverkauf.

What exactly makes a good broker?

Financing from house purchase

Buy a house or condo in Hanover? No matter if HDI, Commerzbank, DKB or Volksbank, almost all of them always trust their bank, your real estate valuation. Then again and again the same questions come up on the subject of real estate financing, for example for computers.

How do I get a real estate loan from my bank?

 

Leipzig – Real Estate Appraisals Eastern Germany

It is difficult to evaluate your own house online, but experts are expensive for quick consideration and the exact procedure will probably cost a considerable amount until the well-founded value calculation for your vacant home in Leipzig is available, but we have collected the important findings for house sellers, so you can now, quickly perform an online assessment alone. Should you be selling now? Due to a further development of the local population from 566,298 to 575,864 (plus 4790) and a future increase to 589,961 inhabitants, Leipzig is growing, divided into almost 280,292 men and 290,796 women. Regardless of whether it’s a career change, divorce after a dispute or inheritance, for many people their first real estate sale is imminent this year. It is difficult to determine the price of the property yourself, but at least you can get an approximate idea of the market value. Built in 1930 or 2000, some ask themselves, what is the selling price for an old house? In order to let estimate the own house always also costs for the computation on house owners to come estimate to let are costs for the valuation completely by itself pre-programmed.

Change in households: Housing market in Leipzig

In Leipzig (Sachsen) live 571 088 inhabitants and thus also many possible buyers for real estates. More about that later.

Purchase price per square meter in Leipzig

new construction

price for building plot € per m²

Price The time Increase Net
from 80.00 99.99 19.99
to 250,00 312.48 62.48
Cut 120,00 149.99 29.99

empirica / LBS Research (data source)

Series home € / m²

Price Today Increase Difference
from 200.00 249.98 49.98
to 300,00 374.97 74.97
Cut 250,00 312.48 62.48

Condominium apartment Price in €/m² Living space

Price The time Increase Net Growth
from 2.200,00 2,749.78 549.78
to 3.800,00 4,749.62 949.62
Cut 2,750.00 3,437.23 687.23

Statistics: empirica / LBS Research

Buy a property: Helpful recommendations from real estate brokers and experts

Five tips, straight from the realtor.

Own valuation of owner-occupied flats can determine whether to move in or as a safe investment for old age?

Here we have some tips, especially for the purchase of older one- or two-family houses.

Used properties in Leipzig

Purchase price for own home in thousands of €

Price The time Increase Net
from 160,00 199.98 39.98
to 280.00 349.97 69.97
Cut 220,00 274.98 54.98

Source: empirica / LBS Research

Price for terraced houses in thousands €

Price Today Increase Difference
from 145.00 181.24 36.24
to 260.00 324.97 64.97
Cut 160,00 199.98 39.98

Statistics: empirica / LBS Research

Condominium apartment purchase price Euro / m²

Price Current Increase Difference
from 1,000.00 1,249.90 249.90
to 2,000.00 2,499.80 499.80
Cut 1.400,00 1,749.86 349.86

empirica / LBS Research (Source)

Efficient construction in Leipzig: Renovation and costs

Who invests in houses, that must count in any case also on new costs at the property, which outside of the costs for taxes, real estate portals, experts, brokers, offices and the bank in Leipzig on new owners will come: Artificial bricks (bricks, clinker, cellular concrete, clay bricks…), composite materials (plasterboard, fibre concrete, steel fibre concrete…), plastics (polyethylene (PE), polypropylene, polyamide (PA)…) as well as binding agents (cement, building plaster, anhydrite binder, bitumen…). A successful house purchase requires much more than entries from the office but also forecasts.

A successful purchase of a property requires much more than an energy certificate and a floor plan of the property.

Buy the property yourself or as an investment property: Advice and checklists for your purchase

Here are some tips, directly from the broker.

From the optimal time to the planned tactic, with exactly this advice you successfully negotiate the final price of your perhaps soon to be new condominium, also as a possible investment.

Development of households in urban areas

More information about the data sources:

Households in Leipzig’s inner city

Living in the city of Leipzig:

Households / Persons today 2035 Growth
1 302.677 319.809 17.133
2 165.616 159.905 -5.711
3 51.398 45.687 -5.711
4 34.265 33.694 -571
more than 5 11.422 10.280 -1.142

Source: Federal Statistical Office

Leipziger environment

Population development in the suburbs:

Households today 2035 Change
1 234.146 251.279 17.133
2 194.170 205.592 11.422
3 68.531 57.109 -11.422
4 51.398 45.687 -5.711
5+ 17.133 16.562 -571

Source: Federal Statistical Office

sell house

Whether selling on portals for real estates such as Immoscout24 or Immonet.de, real estate salesmen place themselves in particular questions around the house value.

  • Exists a complete checklist or extensive books?
  • What does a serious assessment of the market value cost me?
  • What do you have to consider when visiting and buying old houses?
  • Tips for your first price negotiation after visiting potential buyers?
  • Free Price Calculator, is there that for rating?
  • Hestimate from the specialist?

Realtor in Leipzig, notary appointment, land charges: What are the concrete expenses involved in selling a house?

May have to be paid and removed by the seller, the old land charges.

source: Ihrhausverkauf.de

Children, husband or wife, the family or siblings according to the heritage of their parents, when selling a house it is a decision with great impact, which should not be made without thorough planning. A safe roof always above the head, a home for the family. When selling, always allow yourself time for organisation with your decision if you will soon be selling your old house with good transport connections in a central location. Whether it’s a divorced marriage, a fresh love or aging – whatever the cause of your house sale for you today, proceed carefully step by step. Inform yourself in detail before the start and determine your very own goal of the sale in discussions with craftsmen, renowned appraisers and real estate agents. In order to increase the sale price, it is worthwhile in almost all sales, before the sale, to attach importance to details and to put a little work and time into the object. Your main goal must always be to obtain the optimal retail price – if you do not have all the necessary facts at hand or are under time pressure to act in a majority of the resulting sales situations with financial collapses at the targeted property price, which is reduced by careful precise preparation for the sales process. Our new and guide supports you as a first salesman to carry out a successful but also carefully prepared sale of the house with few stress situations, as an old proverb says, no master has fallen from the sky.

Real estate sales: Video tip

The most important thing for the real estate inspection: This video deals with location, condition and “paperwork” such as land register, declaration of partition but also the energy certificate, as well as rental contracts, rent increase, operating costs.

Tips for construction financing for new and old buildings

Sellers always work together with their bank or your insurance company for this, which shows the common success, which financing fits to your individual plan? Buy your own home or condominium in Leipzig’s quiet outskirts or in the pulsating city centre?

the second part on real estate loans.

Brunswick / Germany – Residential Real Estate Appraisals on RE:AO

House for sale in Braunschweig or surroundings? Especially with up to 256,885 inhabitants in the coming years (plus 8,218) and a further development of the population from 246,581 to 250,747 (a total of 2086), Braunschweig is growing, spread over 192.70 km² of urban area. No valuers at hand and online calculators for your own anonymous house valuation are not reliable? We combine the most important statistics and data for Braunschweig with valuable and proven data sources such as the Federal Statistical Office. No matter if inheritance, divorce or relocation, get to know now the real estate prices of your city. Of course the sustainable classification is difficult but one can at least get an idea of the market value. Built in 1965 or 2010, some wonder, what is an old house still worth? How much does the appraiser for a home of one’s own cost? To make your home appreciate with experience Any appraisal for your home after the inheritance or after a divorce will incur costs.

Purchase price current

Current new construction prices

Plot prices €/m²

Price Current Increase Difference
from 100,00 124.99 24.99
to 800,00 999.92 199.92
Cut 165.00 206.23 41.23

Source: empirica / LBS Research

Current price for row house €/m²

Price Today Increase Net
from 180,00 224.98 44.98
to 340,00 424.97 84.97
Cut 245.00 306.23 61.23

Apartment € / m² living space

Price Current Increase Difference
from 1,900.00 2,374.81 474.81
to 4.200,00 5,249.58 1,049.58
Cut 2,950.00 3,687.21 737.21

Source: empirica / LBS Research

Buy a house as an investment: Advice and checklists for your purchase in Braunschweig

Are you currently interested in a house in need of renovation? Watch this informative video at all costs.

Used real estate in Braunschweig

Price for own home in thousands Euro

Price Current Increase Net Growth
from 120,00 149.99 29.99
to 625.00 781.19 156.19
Cut 295.00 368.72 73.72

empirica / LBS Research (Source)

Semi-detached house purchase price in thousands €

Price Current Increase Difference
from 100,00 124.99 24.99
to 320,00 399.97 79.97
Cut 170,00 212.48 42.48

Statistics: empirica / LBS Research

Purchase price for freehold flats €/m² living space

Price Today Increase Net Growth
from 800,00 999.92 199.92
to 2.500,00 3,124.75 624.75
Cut 1,225.00 1,531.13 306.13

Source: empirica / LBS Research

Efficient construction in Braunschweig: building materials, new construction and renovation

Even after the purchase or sale of a property, many costs are incurred for renovation, refurbishment or modernisation, for example for building materials.

  • Plastics (polyurethane (PUR), rubber, acrylic…)
  • Natural stones (granite, limestone, slate, marble…)
  • Asphalt (asphalt concrete…)
  • sealants (bitumen, butyl…)
  • Plastics (polyethylene (PE), polypropylene (PP)…)
  • binders (cement, anhydrite binder, bitumen…)

Pretty much every single house purchase is demanding and there is so much more to it than entries and authentication.

Buy a property: New online learning for price negotiation

You don’t want anything new, you are currently interested in an outdated property? Then you must see this video.

Here are some tips, directly from the real estate agent.

Households and urban development

More information about the sources and statistics used:

Households in Brunswick’s center

Living in the city:

Households today 2035 Change
1 131.794 139.254 7.460
2 72.113 69.627 -2.487
3 22.380 19.893 -2.487
4 14.920 14.671 -249
more than 5 4.973 4.476 -497

Data source: Federal Statistical Office

Braunschweig suburb

Demographic development in the suburbs:

Households (persons) today 2035 Difference
1 101.953 109.413 7.460
2 84.547 89.520 4.973
3 29.840 24.867 -4.973
4 22.380 19.893 -2.487
5 + 7.460 7.211 -249

Data source: Federal Statistical Office

Real estate for sale in Braunschweig

Real estate sales on real estate portals such as Immonet.de or Immowelt, for each salesman questions arise in particular around the market value of the own house.

  • Property valuation by an expert?
  • Is there a good online calculator for prices?
  • What do you have to consider when viewing and buying older objects?
  • What are the most successful tips for my price negotiation?
  • Is there a renowned guide and checklists?

One of many questions. You can find even more in the Immo Wiki:

What are relevant documents for home sale: Entries and Forms

A large number of documents and records should be submitted with almost every sale, the amount of documents is not small.

Statistics: IhrHausverkauf.de

House Selling: Current Tips and Videos

Autumn or winter: Which season is the best for selling your house?

The financing of the purchase

Apartment or flat in Braunschweig’s cosy edge of the city or in the busy city buy? No matter whether Commerzbank, Sparkasse, L-Bank or KfW, many house sellers fall back on their well-known bank, your evaluation of houses and condominiums.

How do I get a real estate loan from the bank?

Residential Real Estate Appraisals Berlin / German Caplital – Sell & Buy! RE:AO

Does the sale of your property in Berlin pay off? Due to the current development from 3,544,845 to 3,604,725 and in the following years to an estimated 3,692,972 inhabitants (an additional 118,142), Berlin is growing sustainably, spread over 891.12 km² with 1,755,700 men and 1,819,130 women. It is not easy to evaluate your own house online, there are no serious online calculators on the web, but a valuator is expensive, the complete procedure probably costs a lot of money, until finally a clear evaluation for the home to be sold in Berlin has been made, but we have taken the trouble and collected all the data to give you an insight into today’s situation for Berlin. Year of construction 1955 or 2015, some people ask themselves this question at this very moment, how much can we realistically estimate for an older house? It is difficult to estimate the house value itself, but at least you can get an idea of the market value. How much does an expert opinion cost for a house? The valuation of your home after inheritance, professional change or divorce causes costs. No matter whether it is a change of location, a divorce after a dispute or the inheritance of a deeply beloved person, for some it is the first and possibly even a one-time sale of the house this year.

Residential market in Berlin

With currently about 3 574 830 inhabitants, Berlin is already one of the big cities in Germany. More on this topic later.

Real estate price Current

Current new building prices in Berlin

land prices € / m²

Price The time Increase Difference
from 90.00 112.49 22.49
to 280.00 349.97 69.97
Cut 180,00 224.98 44.98

empirica / LBS Research (Source)

Series home € / m²

Price The time Increase Difference
from 200.00 249.98 49.98
to 350,00 437.47 87.47
Cut 240,00 299.98 59.98

Condominium apartment €/m²

Price Current Increase Net Increase
from 2.500,00 3,124.75 624.75
to 4.800,00 5,999.52 1,199.52
Cut 3.100,00 3,874.69 774.69

Statistics: empirica / LBS Research

Berlin from above: The capital in summer

House Purchase: Helpful Video Tip

Estimate own valuation for condominiums for moving in or as a profitable investment for old age? Step by step.

Mistake in the house sale, an interesting TV report. Are you sure you want to buy?

Used properties in Berlin

Purchase price in thousands of Euro

Price The time Increase Difference
from 180,00 224.98 44.98
to 400,00 499.96 99.96
Cut 280.00 349.97 69.97

empirica / LBS Research (data source)

Purchase price for terraced houses in thousands €

Price Current Increase Difference
from 150,00 187.49 37.49
to 300,00 374.97 74.97
Cut 220,00 274.98 54.98

empirica / LBS Research (data source)

Purchase price for freehold flats € per m² living space

Price Today Increase Net
from 1,300.00 1,624.87 324.87
to 3,300.00 4,124.67 824.67
Cut 2.225,00 2,781.03 556.03

Source: empirica / LBS Research

Costs for you as the new owner: renovation or modernisation

Seller and buyer agree on all points in dispute, but even after the purchase of a house there are still many costs for renovation, modernization or renovation of building materials, such as

  • Aggregates (sand, gravel…)
  • binders (cement, building plaster, anhydrite binder, bitumen…)
  • Glass (glass brick, flat glass, pressed glass…)

Every single home purchase is challenging and it includes so much more in our checklist than many bills and ratings from the broker.

Buy a property: Helpful recommendations from real estate brokers and experts

These eight tips will help you and your family make the final purchase decision.

Households and urban development

Data sources:

Households in Berlin’s Mitte

Living in the city centre:

Households today 2035 Change
1 1,894,660 2.001.905 107.245
2 1.036.701 1,000,952 -35.748
3 321.735 285.986 -35.748
4 214.490 210.915 -3.575
5+ 71.497 64.347 -7.150

Statistics: Federal Statistical Office

Berlin surrounding area

Living space in the suburbs:

Households / Persons today 2035 Growth
1 1.465.680 1,572,925 107.245
2 1.215.442 1,286,939 71.497
3 428.980 357.483 -71.497
4 321.735 285.986 -35.748
5+ 107.245 103.670 -3.575

Statistical source: Federal Statistical Office

Real estate for sale in Berlin

No matter whether selling on Internet pages for real estates like Immoscout24 or Immonet, for each salesman of real estates questions arise above all around the market value of the own house.

  • Let your own house be valued?
  • Who do I contact to honestly appraise my condo or property?
  • What advice would experienced brokers give for viewing?
  • Is there a simple guide or shorter checklists?
  • Free calculators for selling prices, are there the?
  • What to consider when buying old real estate?

Do you definitely need an energy pass?

The Energy Performance Certificate as a document provides information about the use of energy, its efficiency of your house, under the regulations of the so-called Energy Saving Ordinance (EnEV). The quite natural collecting main with the possible buyer is absolutely necessary for the private sale of a single family house even if often empty standing. You can apply for your Energy Performance Certificate (Energieausweis) at a charge, for example, from a renowned energy consultant near Berlin.

source: YourHausverkauf.de

Whether professional change, divorce from spouse or heir, before you now think about the sale of your free house, then you should start the planning but also the ambitious organization calmly and also think about a concrete, future life planning, for your family and yourself, so that the entire sales process of the advertised property without complications and time-consuming factors runs. For many in Berlin, a residential property is not only a stable investment in a property, your own home is something special that is linked to your emotions and memories and thus always has a personal value, so allow yourself planning time with your decision. Do not rush into anything that may cause your house sale, whether a professional promotion or a broken love. The personal sales goal or goals must already be recorded in advance in trustworthy consultation with craft firms, real estate brokers, appraisers and previous bank. For this reason, you should always obtain detailed information in advance from experts in house construction and sales. Many also ask me about increasing the value of a property, before you sell, is the expense profitable? In order to increase the value, it pays off in a large number of cases to invest a little time and effort in the property to be sold before the sale. Your highest goal in all your preparation should be to get the optimal price at the trade, which again means if you don’t have all the important facts at hand or if you act under time pressure, you usually expect losses. With our know-how and the often proven experience in the sale of owner-occupied homes and commercial real estate, planning and implementation of new buildings, I want to give you an overview of which points you must consider in the planning process in each case, as previously described.

Concept and strategy: financing

Whether GLS bank, Sparda, people bank or ING Diba, many trust in your bank, if it concerns the real estate evaluation. Of course, the first time you sell a property, the same questions always come up again, also on the subject of real estate financing and its costs. Buy your own home or apartment in Berlin?

Here it goes on with the 2nd part to real estate loans.

Walk through Berlin

Berlin Kreuzberg: A flight over the most popular residential area