Real estate investment for beginners: how to do it on a budget

Geld anlegen?

In conversation with Lukinski / Kapitalanlagen (Stephan M. Czaja) – Buying your first condominium (as an investment) without risking everything right away – it’s possible. Small apartments around 25,000 euros are the perfect place to start. In many German cities, you can find small properties near the university or in peripheral locations that can be transformed into modern micro-apartments with a little skill.

Invest cheaply: Small apartment, big style & clever returns

Why is that?

Why 5,000 euros can be enough

For many first-time buyers, this sounds too good to be true. But: if you can raise around 20% equity – i.e. around 5,000 euros for a purchase price of 25,000 euros – and the bank finances the rest, you have already laid the foundation. In addition, there is a small buffer for modernization – and this is exactly where your leeway lies.

• Only 20 % equity required
• Low entry hurdle for your first investment

Upgrading with style: color, kitchen, charm

What you can get out of a nondescript apartment with a small budget is enormous. A new wall color immediately creates a fresh atmosphere. A laminate floor from the DIY store enhances the feeling of living. And with an inexpensive fitted kitchen, you not only add function, but also real added value – especially for potential tenants.

Achieve more rent with little effort

Those who invest in simple furnishings often get significantly more per square meter. Especially for students, young professionals or single travelers, it’s not the size that counts – but whether everything you need is there. Renting out furnished means you can charge a premium and appeal to a target group that is looking for exactly that.

• Fitted kitchen increases the rental value
• Furnished apartments generate more income

Who you rent to: Students, Singles, Mobile

Your small, cleverly furnished apartment is in tune with the times. More and more people are living alone – and they don’t want to live in huge apartments. Whether student or digital nomad: An apartment with 25 m², furnished and in good condition, is quickly rented out. Especially in cities with universities or good public transport connections, the vacancy rate is often zero.

High demand for small apartments

So why spend more or opt for large properties? Small apartments are not only easier to finance – they are also back on the market more quickly. And with a property management company, you don’t have to worry about almost anything.

• Stable demand for small units
• Property management takes over letting & administration

Less risk, more control

A small start also means: you risk less, but learn just as much. You build up initial experience, benefit from monthly rental income and can sell again at any time. Thanks to the compact size, you have lower operating costs, less maintenance – and a very clear calculation.

More overview with a small area

Instead of renting out a 4-room apartment, where you might end up with three empty rooms, you invest in a single small unit – with a clear target group. Your fixed costs remain manageable and you have full control over your income.

• Less effort, more overview
• Lower operating costs

Start with little capital – but a lot of impact

You don’t need millions to start investing in real estate. Just 5,000 euros is enough to buy a small apartment, upgrade it a little – and turn it into a real source of income. And best of all, you’ll learn everything you need for your future portfolio.

Micro-apartment as a capital investment: advantages for you

Small apartment with 25 m² instead of a large 4-room apartment. Why? More and more people are living alone in single households. Students, singles, holidaymakers, but also professional groups such as fitters, who are often in different cities. Learn more about investing in small condominiums, so-called micro-apartments, here.

• Micro-apartment as a capital investment

Cash & Flow: Investor Podcast

The “Cash & Flow” podcast is specifically designed to provide you with a comprehensive knowledge base as a real estate investment beginner. With new episodes regularly, this podcast presents a wealth of information to help you make informed real estate investing decisions and improve your investment strategies.

Learn Investment: In this podcast, you will learn step by step how to successfuly invest in real estate. From choosing the right properties to calculating returns and effective property management, all the important topics are covered. You’ll get valuable tips and proven strategies to maximize the potential of your investments.

Real estate management: A successful real estate investment also requires efficient management. In the “Cash & Flow” podcast, you’ll learn how to effectively manage your properties to generate stable long-term revenue. From tenant management to maintenance to leasing strategies, practical insights and best practices are shared.

Current Topics: In addition to the basics, the podcast also covers current topics in the real estate industry. You’ll stay up to date on new legislative changes and technological innovations such as the heating ban, heat pumps, solar panels, and wall boxes. This allows you to identify trends and developments and adapt your knowledge accordingly to be proactive in your investments.

From real estate-experience.com:

• Podcast Apple
• Podcast Spotify

Immocation Podcast: Real Stories

On the “immocation Podcast,” you’ll learn how to successfuly build wealth through real estate, whether as a retirement plan, foundation for financial freedom, early retirement, or even full-time employment. Here, the hosts share stories from their coaches and from the community and offer exclusive content, including select YouTube series, to expand your knowledge of real estate investing and help you on the path to success.

• Podcast Apple
• Podcast Spotify

Real Estate Wiki: The basic knowledge

“Real Estate Wiki” – The podcast “Real Estate Wiki” is specially designed for real estate investment beginners like you, who want to specifically expand their knowledge of technical terms and basics of the real estate world. In this podcast, the most popular and most read articles from the Real Estate Wiki are presented in a short and understandable form.

Popular articles from the real estate wiki: The wiki covers a wide range of real estate terms and information. The Real Estate Wiki podcast selects those articles that are most requested and read by other listeners like you. This gives you the opportunity to focus on the most relevant topics and deepen your understanding of the real estate industry in a targeted way.

The podcast “Immobilien Wiki” offers you new episodes every day. You can find it for free on platforms like Apple Music, Spotify, Amazon, Deezer and many more. Whether you’re cleaning up, sitting in the car, or playing sports, you’ll have the opportunity to expand your knowledge of real estate anytime, anywhere.

From real estate-experience.com:

• Podcast Apple
• Podcast Spotify

Tip. Buy your first property (cheaply)

Want to invest your money in real estate? We have 30 steps for your first real estate purchase as an investment. Capital investment means: buy and rent. Ideally, you’ll get so much rent that your property will pay for itself!

Learn how to do it here:

• Buy first apartment as an investment
• Buy property (cheap)

The Immopreneur Podcast

“The Immopreneur Podcast” – If you’re interested in real estate development and real estate entrepreneurship, then “The Immopreneur Podcast” is for you. Here you’ll hear firsthand from successful real estate entrepreneurs about how they analyze their projects, close deals, and build their real estate businesses. Whether you’re looking to venture into real estate yourself or simply want to learn more about this exciting field, this podcast will provide you with inspiring stories and valuable insights into the world of real estate entrepreneurs.

• Podcast Apple
• Podcast Spotify

Immo Insider: Broad spectrum

“Immo Insider” – Dive into the world of real estate financing with the podcast “Immo Insider”. Here you’ll get comprehensive information about different financing options, tips on choosing the right lender and important aspects to consider when financing real estate. This podcast is an indispensable tool for anyone who wants to successfuly finance their real estate projects.

From Engels & Völkers:

• Podcast Apple
• Podcast Spotify

The Landlord Podcast: Says it all

“The Landlord Podcast” – The Landlord Podcast is a valuable resource for all landlords and those interested in getting into the rental property business. It covers all relevant topics related to renting, including legal aspects, leases, tenant selection, tenant management, and optimizing rental income. Whether you’re already a landlord or thinking about renting out a property, this podcast will provide you with practical tips and helpful insights to make your rental efforts successful.

From ImmoScout24:

• Podcast Apple
• Podcast Spotify

Real Estate Investor Podcast

“Der Immobilieninvestor” – The Real Estate Investor is a podcast that specializes in sustainable real estate investing. Here you will learn how to find high-yield properties, which investment strategies are successful and how to make your real estate portfolio sustainable. The podcast offers valuable insights into the world of sustainable real estate investing.

By Alex Fischer:

• Podcast Apple
• Podcast Spotify

Old But Concrete Gold

“Old But Betongold” – Fabian Fröhlich, who describes himself as a likeable “doer”, gives easy-to-use tips on real estate, investments and entrepreneurship in his podcast. With his hands-on mentality and easy-going manner, he appeals especially to the younger generation who want to start immediately to achieve financial prosperity through clever real estate strategies. Although the podcast hasn’t had any new episodes since 2021, the old episodes are definitely worth listening to and provide valuable knowledge for long-term success.

• Podcast Apple
• Podcast Spotify

L’Immo: real estate and housing industry

“L’Immo” – The real estate industry is undergoing a transformation. In our podcast, you will hear leading minds talking about challenges, political decisions, approaches to solutions and new developments. Dirk Labusch and Iris Jachertz, the editors-in-chief of “immobilienwirtschaft” and “DW Die Wohnungswirtschaft,” ask topical and personal questions. Stay informed about the real estate industry.

• Podcast Apple
• Podcast Spotify

The best real estate apps

Don’t miss the chance to benefit from these great real estate podcasts! Learn, invest and manage real estate with the “Cash & Flow” podcast, while the “Real Estate Wiki” podcast explains the most important terms in a way you can understand.

Listen to them for free on platforms like Apple Music, Spotify, Amazon, Deezer and many others. Use your time effectively by expanding your real estate knowledge while commuting, on your lunch break or during a relaxing walk. Start now and build your real estate knowledge step by step!

Have fun learning!

Discover the world of real estate with Timmy, Lea and Finn

Join Timmy and his friends on adventurous journeys that not only stimulate the imagination but also enrich the mind! Each story, whether it’s the discovery of the magical tree house or the mission to Color Island, is perfect for read-aloud time and provides a fun way for children to learn about real estate and appreciation.

With colorful illustrations and engaging storylines, these books will become an essential part of any read-aloud routine! Discover the joy of reading and learning together with Timmy.

Read online now or download as an ebook and turn reading time into a magical experience! The author of the little stories is by the way our editor Stephan. Read the books online for free or download the ebooks:

• Timmy’s Adventure – Immoblien book for children

A learning adventure full of excitement and inspiration

The stories of Timmy and his friends are more than just entertainment – they are an invitation to discover the world of real estate and investment in a playful way. The fascinating storyline encourages young readers to find creative solutions for the future and to take responsibility for their environment.

Why no nursery should be without these books

Parents watch out! The real estate adventures of Timmy, Lea and Finn are a must-have for every child’s room. Not only do they encourage little explorers’ imaginations and love of reading, they also impart valuable knowledge about real estate, sustainability and environmental protection.

Discover the magical tree house, the abandoned property or the color island and immerse yourself in an adventure full of magic and excitement!

Download the free ebook now and join Timmy, Lea and Finn on their exciting journey through the colorful world of real estate.

Tips for reading aloud: Make reading aloud a daily ritual

Reading aloud should become an everyday ritual that both parents and children enjoy. Here are some reading tips to make reading aloud a special moment:

1. Create a calm atmosphere
2. Find the right reading time
3. Choose suitable stories
4. Read aloud vividly
5. Interaction with the story
6. Imaginative conversations

Create a calm atmosphere

Provide a comfortable environment without distractions such as a TV or cell phone so that you can concentrate fully on your child and the story.

Find the right reading time

It is best to choose the same time every day for reading aloud. Before going to sleep is particularly good for calming down, but other times are also suitable, such as waiting times or traveling.

Choose suitable stories

Focus on your child’s interests, be it detective stories, adventure stories or non-fiction. If the child enjoys the story, they will also be more enthusiastic about reading it aloud.

Read aloud vividly

Adapt your voice and intonation to the story to make it more lively. This helps to keep your child’s attention.

Interaction with the story

Allow your child to ask questions and comment on the story. Look at the pictures in the book together and describe them.

Imaginative conversations

Discuss what you have read with your child, think about alternative endings or how the story could continue. Let your imagination run wild!

Frequently asked questions about reading aloud

From what age can I read to my child?

Reading aloud makes sense from the age of one or two. There are suitable books for different age groups, even for babies as young as 3 months.

Which books are suitable for reading aloud?

There is a wide range of books for all ages and interests, from picture books to children’s book series.

How often should I read to my child?

Ideally, reading aloud should take place daily, for at least 15 minutes.

Read & download for free!

Read the books online for free or download the ebooks:

• Timmy’s Adventure – Immoblien book for children

Checklist: Goals and criteria of the first condominium

When buying your first property, you should make a well-considered decision. You should set a goal for yourself, which criteria play the biggest role for you in a property and in no case buy for emotional reasons. Make your decision based on business facts and figures that compare well.

In the following post, we’ve broken down for you the points for setting goals when buying a property. Here are our eleven points summarized in short questions:

1. Self-interest or capital investment?
2. What is the maximum purchase price?
3. How low is the maximum gross rental yield?
4. Should I buy rented or unrented?
5. Which cities are eligible?
6. What is the perfect location?
7. Invest in existing or new buildings?
8. How old can a property be?
9. How big does a property need to be?
10. Ground lease?
11. Social binding or post-binding?

Step 1 – Self-interest or rather capital investment?

As already explained in our article on the subject of owner-occupation vs. capital investment, it is always better to use the first property as a capital investment. Because, with owner-occupancy, you always pay 100% of the running costs yourself. Capital investors, on the other hand, primarily let the tenant and the tax office pay.

• Here you will find everything on the topic of self-interest vs. capital investment

Here in brief what self-interest and capital investment mean:

• Self-interest: 100% responsible for costs
• Capital investment: Tenant and tax office pay

Step 2 – What should be the maximum purchase price?

This question depends on many factors. However, the most important criterion is probably the creditworthiness in terms of assets, as well as the monthly balance of assets and equity. These are all decisive factors for your bank when it comes to deciding on financing.

• Read more about maximum purchase price here.

Here is a brief overview of the most important factors:

• Credit rating
• Monthly balance sheet
• Equity

Step 3 – How low can the minimum gross rental yield be?

You want to make the biggest possible profit from your apartment. How high must the rental yield be at least so that the tenant ideally pays off the property and you yourself do not have to pay for repayment and interest?

• Read more about minimum gross rental yield here.

Here, in brief, is the formula for calculating the gross rental yield:

Formula: Annual rent / purchase price x 100 = gross rental return

This goal is also called efficient asset accumulation. Accordingly, the gross rental yield of an investment property should also be high.

Step 4 – Buy a property rented or unrented?

When buying an apartment for personal use, it is always advisable to buy unrented. The exception: notice of termination for personal use. For capital investors, however, an unrented property would be much more time-consuming, since you have to look for new tenants.

• Read all about buying rented or unrented here.

Buy unrented as an investment:

Here in brief the advantages and disadvantages!

Advantages:

• Renovation work: Immediately feasible and deductible
• Use of own lease
• Market rent

Disadvantages:

• Vacancy at the beginning: loss of rent
• Renovation expense

Buy rented as an investment:

Advantages:

• No time required for new leasing
• Payment behavior and behavior of existing tenants is known
• Low risk of vacancy

Disadvantages:

• Rental mostly below current market value
• Existing rental agreements must be taken over

Step 5 – Which cities are eligible?

A-, B- or C- location, where is the best place to buy my property? The central question here is whether I choose an investment property or a yield property.

• Read more about layer types here.

A, B or C position

Here is a brief overview of how which of the three layer types is defined:

• A-location (simply: metropolis)
• B-location (simple: large city / city with positive development)
• C-location (simple: small town / country in stagnation)

Where do I buy which property?

The different location types compare areas. Higher yields go hand in hand with lower appreciation. Therefore, depending on the location, one chooses between yield or investment property.

• Investment property: Only to be found in A-location
• Yield property: Good B- or also C- location

Macro, meso, micro location

After the comparison of the A-, B- or C- location, districts and the concrete neighborhood are compared.

• Read all about macro- meso- micro- location here.

Here is a brief overview:

• Macro location (A, B and C location, i.e. where in the country / which city?)
• Meso location (where in the city)
• Micro-location (exact location)

Step 6 – What is the perfect location?

Where exactly should I buy my first property? Owner-occupiers and capital investors, as well as yield properties or investors with the goal of value appreciation, accordingly, the decision of the perfect location is different. Here we go into the analysis again to help you find the best location for your goals!

• The perfect location

Step 7 – Invest in existing or new buildings?

When buying a home, in addition to the question of owner-occupancy or capital investment and return or investment property, one wonders whether to invest in existing or new construction. Both forms have their advantages and disadvantages. In this article, you will learn what they are.

• Read all about existing or new construction here.

Advantages of new construction

• Current state of the art
• Low risk for maintenance and repairs
• Co-determination in interior design

Disadvantages of new construction

• Higher purchase price and incidental purchase costs
• Lower rental yield
• High value loss at the beginning
• Other costs for public development

Step 8 – How old can a property be?

You want to invest in an old building? Then you need to consider a few things before buying. Old properties have some advantages, but also disadvantages. We have compiled a brief overview of all the facts of the different construction years in comparison.

The age of a property is a decisive factor when it comes to buying a property. But what are the differences and defects depending on the age and year of construction of a property? Is it worth investing in an aging house or apartment?

• Year of manufacture and condition

Step 9 – How big does a property need to be?

How big should my first property be? Micro-apartment, 2, 3 or even more rooms? This question is answered here by comparing living space for owner-occupancy and investment. In general, the number of square meters and the room layout is particularly important.

• Read all about the maximum size of a property here.

Here is a brief summary of the criteria for owner-occupants:

• Well-being has priority
• Plan sufficient living space for the future, e.g. family planning
• Area not too oversized > Purchase price, ancillary costs
• Equipment can be improved later

Here is an overview of the three goals for capital investors:

1. High rental yield
2. Good rentability
3. Few vacancies

Step 10 – Is a ground lease necessary?

When dealing with the topic of ground leases for the first time, many questions arise. What is a ground lease and does it make sense? Also one wants to know whether one can deduct the costs of the ground lease, the ground rent from the tax? All your questions will be answered here.

• Read more about ground leases here.

Here is the ground lease summarized in brief:

• Ownership and usage rights permanently separated
• 2 parties: ground lease giver and ground lease taker
• Leasehold lender cedes a plot of land for development
• Leasehold owner receives ground rent for it

Step 11 – Social binding & post-binding?

Before looking for housing, you should know everything about the topic of social commitment in housing. Here you will learn all the pros and cons and what you can do everything from low-interest loans by public authorities for social housing, to obligations, to the grace period.

• Here you will find everything else about social binding and post-binding.

Social binding summarized in brief:

• Affordable housing through public funding
• Very good conditions for loans or grants
• Rent for persons with a certificate of eligibility for housing

The rebinding in a nutshell:

• Commitment to social housing until loan is repaid

Earn money with real estate

Capital investments are currently becoming increasingly popular as protection against inflation. Inflation reduces the purchasing power of your money over time. Rising inflation therefore basically devalues your money. This is shown by the inflation rate in Germany.

You can find more statistics at Statista

In contrast, real estate prices are rising nationwide every year. This is due to social growth, urban growth and a decline in living space. This is also shown by the Federal Statistical Office’s house price index.

You can find more statistics at Statista.

Real estate increases in value over time, and can therefore not only secure the value of your money, but also serve as a wealth accumulator.

Achieving financial freedom with real estate

For more and more people, investments are the path to financial freedom and a secure pension. If you want to make money with real estate, you buy properties in good locations with a profitable yield with the help of financing from the bank, then rent out the property and pay off the monthly installments through the rents. In the long term, the investor makes an additional monthly profit that goes into their account.

Of course, that’s not all you need to know as a real estate investor. To minimize the risk of losses, you need as much know-how as possible. Good news! You don’t have to start from scratch or trawl through thousands of books. There are already many experienced investors who have successfuly made their money with real estate. That’s why this article gives you 5 tips from real experts on the subject.

5 tips from real professionals

If you are thinking about good investments to increase your wealth, buying a property as an investment is the way to go. Real estate is a proven way to optimize your wealth and achieve financial freedom. Are you a total newcomer to the business? No problem. There are already hundreds of success stories of experts who have made money with real estate. We’ve compiled the knowledge for you in one article. Here are 5 tips from real professionals!

Insider tip: location is the key to success

The first tip promises to be the big secret behind real estate success. The location of a property is crucial to the success of your investment. Real estate experts recommend investing in prime or up-and-coming neighborhoods, as they often offer the best rental income and performance. A-locations are prime locations close to key facilities and amenities. B-locations offer a happy medium, while C-locations are a cheaper but riskier option. It is important to choose the right strategy for your future plans. Your choice should therefore depend on your investment goals and risk appetite.

You should remember this about the various location strategies:

• A-location – expensive & profitable
• B-location – the good center
• C-location – inexpensive & risky

Careful yield calculation protects against losses

The return is a decisive factor in the assessment of a capital investment. The key word here is: return formula. Experts recommend calculating a gross yield and a net yield. The gross yield considers the annual rental income in relation to the purchase price of the property. The net yield also takes into account operating costs, taxes and financing costs. It is recommended to make sure that the return matches your financial goals before you invest.

The gross yield helps with initial decisions for or against an investment in a property. Before drawing final conclusions, however, the net yield should also be calculated. Otherwise, later losses cannot be ruled out.

It is important to know:

The net yield is more secure than the gross yield calculation.

In our guide to real estate investments, we reveal how high the yield currently needs to be: Real estate as a capital investment for beginners.

A smart and well-considered approach to financing

The right financing is crucial. It is advisable to use at least 20% equity to minimize mortgage interest and risk. Make sure you have checked your credit rating and can pay the monthly installments without any problems. Choosing the right financing option can make a significant difference in your real estate investment in the long run. Usually, an annuity loan is taken out as a loan.

You can find more statistics at Statista

Those who think short-term end up spending far more

Real estate investments should be viewed with a long-term perspective. Experts recommend not investing in real estate if you expect short-term gains. Demand for housing increases over time, which offers long-term benefits. Plan for long-term success and remain patient.

Professional support takes you to the next level

It may be advisable to seek professional help. Real estate agents, financial advisors and tax experts can offer valuable advice and support. An experienced real estate expert can help you choose the right property and manage your investment. Our tip: Many real estate advisors offer a free initial consultation where you can ask all your questions about real estate investment.

The most important statements of the professionals summarized

Real estate investing requires research, planning and a clear strategy. By following these tips from experts, you can increase your chances of success and build your portfolio as a real estate investor. Let’s recap what really matters.

Investing in real estate can be a smart investment if you pay attention to the right factors. The choice of location, return targets and the right financing are crucial to your success. Remember that real estate investments require patience and are best invested for the long term. If you keep these points in mind, real estate as an investment can be a lucrative investment that offers you long-term financial stability.

Get off to a good start with real estate with the guide for beginners – one article to learn everything you need to know!

Guide for beginners

You’ve decided you want to invest in real estate – that’s a great idea! Real estate can be a stable and profitable form of capital investment. If returns and positive cash flow are still foreign words to you, then you’ve come to the right place. We unravel the mystery of the money-making machine that is real estate ownership. In this article, you’ll learn the basics of investing. Location, yield, financing: what really matters?

• Real estate as an investment for beginners

Berlin real estate: an urban investment

Urban treasures: Berlin’s real estate market

The properties we are looking at are located in the vibrant metropolis of Berlin. The city is known for its dynamic culture, history and growing economy, making it an attractive market for investors. The increasing demand for residential and commercial space in Berlin has led to a significant increase in value and thus to interesting investment opportunities.

The Rolex Daytona: an icon of luxury watches

The symbol of exclusivity: the Rolex Daytona

The luxury watch we are analyzing is the Rolex Daytona, an icon among luxury watches. Known for its precision and iconic design, the Daytona is not only a coveted collector’s item, but also an investment that has gained considerable appreciation. Its popularity and value are closely linked to the quality and prestige of the Rolex brand.

Performance since 2012: a detailed comparison

The figures speak for themselves: both real estate in Berlin and the Rolex Daytona have experienced an impressive increase in value. But the figures also show that the Daytona has put in an outstanding performance, outperforming the solid gains from the real estate market.

Table of value appreciation: a direct comparison

The following comparison shows the percentage increase in value of both forms of investment since 2012. The table illustrates the increase in value and the potential of both investment options:

Sources: Watch prices / Real estate prices

Rolex wins!

Rolex = 260.77 %

Property = 189.29 %

Conclusion: The importance of diversification

These figures underline the importance of diversification in investment portfolios. Investors should always monitor market developments and can minimize risk and maximize returns by spreading their capital across different asset classes.

Outlook: The future of the plant in style

Investing in luxury watches and real estate remains attractive. These forms of investment are expected to continue to play an important role for style-conscious investors seeking a combination of financial return and aesthetic value.

Rolex & Luxury Watches

• Luxury watches
• Rolex

5 mistakes! What to look out for when investing?

Your goal is financial freedom? Anyone can build wealth with real estate. Investments allow you to build up money over the long term. By investing, you can make your real estate work for you and benefit from interest, dividends and price gains over time. However, investing in real estate without any knowledge is too risky. You don’t have to reinvent the wheel. Every real estate professional has already made mistakes that you can benefit from. Stick to this checklist, avoid the 5 mistakes and minimize your risk of failure. Let’s go!

Risk checklist: What you should avoid

Stick to these points and nothing will stand in the way of your successful investment:

1. Don’t invest in real estate with too low a return
2. Designing financing for the long term instead of the short term
3. Bring in enough equity
4. Financing compared
5. Calculate net return not just gross return

Find out now what the 5 biggest mistakes are that you can make when investing.

Is it worth investing in capital assets?

Does real estate make sense as an investment? Capital investments are currently becoming increasingly popular as protection against inflation. Inflation reduces the purchasing power of your money over time. Real estate increases in value over time and can therefore serve as inflation protection and wealth accumulation. For more and more people, capital investments are the path to financial freedom and a secure pension.

For whom is a property worthwhile as an investment? Purchasing condominiums as an investment has become a proven strategy for generating passive income. However, this approach is not equally suitable for everyone. To assess whether a property as an investment is worthwhile for you, you should consider your individual goals, financial resources and risk tolerance.

The right location: The first rule of real estate investment is: location makes all the difference! You need to be aware that not every area provides the same returns. A-locations, such as sought-after city center locations, often offer the highest rental and appreciation opportunities. B-locations, i.e. areas close to the city, can also be attractive. C-locations, the outskirts or less popular neighborhoods, are often less expensive, but also involve more risks. Choose the location wisely, as it has a significant influence on your return.

Return and positive cash flow

How to find real estate with good returns: Your investment should be worthwhile, right? To achieve a solid return, aim for at least 9%. This means that after deducting all costs (maintenance, taxes, insurance), you still achieve a positive return. A positive cash flow is crucial to generate profits beyond cost recovery. Remember that real estate investments are for the long term, so it’s worth waiting patiently for a good return.

The right financing for capital investments

Financing is a key aspect of your real estate investment. We recommend putting at least 20% equity into the property. This reduces the risk and increases the chances of a positive return. The loan should pay for itself through the rental income. This means that the monthly rental payments cover the loan installments and also generate a profit after some time.

These were the essential basics of what is important when investing in capital assets. Do you want to get started with real estate now?

The first capital investment: guide & tips

Read an article and take away the most important tips for investing in capital assets. Start your career in the real estate industry now with the investor’s guide. Learn how to do it:

• Real estate as an investment for beginners

5 mistakes! What to look out for when investing?

Successful investments are the key to financial stability and independence. But how do you achieve this goal? In this article, we present you with a useful step-by-step guide on how to invest successfuly. Whether you already have experience or are new to the world of investing, this checklist will help you achieve your financial goals. Get started with real estate now!

• Risk checklist
• Buying an apartment: 11-point checklist

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• Owner-occupation vs. real estate as an investment: advantages and disadvantages of owning your own home
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• Real estate crowdinvesting: Invest in real estate with little money!
• Leasehold: tips for investors – advantages and disadvantages
• Determine maximum purchase price

Investment book recommendations: Basics & C0.

Would you like to invest in a property as a capital investment? For the bookworms among you, here are some great book recommendations on specific real estate topics such as taxes.

• Real estate as an investment Book recommendations: Passive income, taxes & tips for beginners
• Real estate investment book recommendations: Basics, investment & tax tips
• Buy real estate book recommendation: mistakes, process, taxes and investment

Video tips: Real estate as a capital investment

Do you prefer to learn with helpful videos? Then these video tips are just right for you. Find out about the basics of real estate investment now!

• Real estate as an investment Video tips: Service charges, taxes & returns
• Buying real estate video tips: Mistakes, process, taxes and investment

Learning tips: Building wealth with real estate

No time to study? With these real estate podcasts and real estate apps, you can get all the important information you need to be successful in real estate on the side.

• Real estate podcast: The 9 best podcasts on Apple, Spotify & Co. – prices, management, investment
• Apps for real estate: knowledge, online tools, renting & buying

Real Estate Experience App

The Real Estate Experience app gives you all the knowledge about real estate in one app. You’ll find everything you need to know about investments, financing, managing and upgrading your property, explained clearly and by experts. In addition, you can use the practical calculator to calculate key figures from everyday life such as equity, ancillary purchase costs and much more. In addition, you’ll find over 1,000 technical terms from the real estate sector in the real estate wiki.

App Download: iOS & Android

Download from Google Play Store & Apple App Store.

House & Ground Magazine

With the Haus & Grund magazine you receive all information about current topics from the real estate world. No matter whether you are a tenant, landlord or property owner. For example, the magazine covers current political developments, rental or tax law news, and topics related to administration. With simple bookmarks, topics and articles can be saved and categorized for later.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

IZ – Real Estate Newspaper

The IZ-Immobilienzeitung app informs you about the latest news from the German real estate industry. Everything from investment properties to yield opportunities at a glance. For the full content you need a subscription.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Real Estate Guru

With the Real Estate Guru you get a selection of over 20 online tools around real estate. You will find numerous practical key figures that will help you make decisions or provide advanced knowledge. With the app, you can quickly and easily calculate savings plans for reserves, equity or the return on real estate.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Rented.com

The Vermietet.de app is a real estate app for all landlords and property managers. For any portfolio type, whether condominium or apartment building, the app allows you to organize everything about the property easily, securely and time-effectively. The app provides you with legally compliant service charge statements, secure rental agreements, valuation and officially verified templates for reminders and rent increases.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Immocation.com

The Immocation.de app is a simple calculator that informs you quickly and clearly about the return on your property before buying or selling. In addition, other tools provide more detailed information about real estate. The user interface is easy to use with simple sliders.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Deka real estate funds

The Deka Immobilienfonds app provides you with all important information about the real estate funds of the Deka Group. You can easily and quickly access share prices, property information and background information on buyers and sellers. The push functions allow you to stay up to date at all times.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Lukinski Villa

The Lukinski Villa App shows you offers and overviews of vacation properties and investments in Germany, the Balearic Islands and the United States. Simply download and find the right property according to your wishes.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Immoscout24

With the Immoscout24 app, you can find or offer properties for sale, for rent and also for sale and for rent. The filter options offer precise restrictions to match your desired property. In addition, the app enables relocation and financing planning for the property found.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Immowelt

With the Immowelt real estate app you can search for properties to rent or buy in Germany, Austria or Switzerland. You can use various filters, such as cost, living space or number of rooms, to find the right property for your needs. The app also offers additional functions that allow you, for example, to use a map for the search or to request a Schufa report directly in the app.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Immonet real estate

With the Immonet app, you can find the right property exactly as you want it. The app offers accurate map functions through interactive drawing of the radius and advanced GPS functions. Furthermore, the app allows you to easily filter for keywords like “balcony” or “garage” with simplified search criteria. Additionally, the app allows the integration of the Apple Watch.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download

Real estate search engine.com

The Immosuchmaschine.de app is an app specifically focused on real estate search. It combines the most popular German real estate portals and allows searching and comparing on many portals at the same time. Through the search agent function, you can specify your wishes and the search agent will contact you as soon as a suitable object is found.

App Download: iOS & Android

Here you can find the app in the AppStore (iPhone) and Playstore for all Android smartphones.

• AppStore download
• PlayStore download