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

Mistake 1 – The location is decisive

A property in a poor location without high demand quickly becomes a problem. Therefore, one should always buy in an attractive location.

Property in a bad location:

• Low demand
• Renting becomes difficult
• Consequence: Vacancy

Therefore our tip: Pay attention to A- B- and C- layers!

Real estate in good location:

• Buying in large cities (not metropolises in top A locations), example Bonn or Leipzig
• Conurbations, the famous Speckgürtel, with good B-location like everything around Munich, Darmstadt near Frankfurt
• B-location cities in demand, such as Kassel, Braunschweig or Heidelberg

Mistake 2 – A property that is too specific

Special real estate requires a special group of buyers – and this group is not easy to find. That’s why you should always go for real estate whose utility and use covers the needs of the broad masses. In our article on real estate types you can learn everything about apartment, house and co. So what are you looking for on the real estate market?

So what’s there to keep your hands off of?

• Loft/ Villa/ Apartment, everything that exceeds the normal consumer
• This type of property must be in a top A location in order to sell/rent it.

Our tip: 1-2 room apartment

In all locations, be it A, B, or even C, 1-2 room apartments can be found and the demand is constantly increasing. Since more and more people live alone, a look at the single apartments is always worthwhile.

An example of a special property in C- location: hard to sell.

Mistake 3 – Self-interest instead of investment

You can read a lot about owner-occupation in our article on the subject. Here you will learn again in a nutshell why it is not advisable to use your first property for personal use. Therefore, our tip: Do not buy an owner-occupied property without capital investment, because you are responsible for 100% of the operating costs, neither tenants nor the tax office comes to your financial aid.

Reasons against self-interest

• Self-interest is the most expensive way to live
• One will never be completely rent free due to ongoing costs
• You pay off the property yourself
• Self-interest reduces credit rating
• Property is not suitable for old age later

Mistake 4 – A house as a first property

If you choose a house as your first property, you must also be aware that this means that you will have to bear 100% of the costs. Therefore our tip: Buy a condominium as your first property.

Condominium: Cost allocation made easy

As soon as you acquire an apartment in a multi-party building as your property, you become part of a community of owners. Thus, all running costs incurred for repair, maintenance and modernization are divided among all parties of the house.

Here is a small example:

• Homeowner (100%): 12,000 euros
• 4-party house (25%): 3,000 euros (-9,000 euros)
• 8-apartment house (12.5%): 1,500 euros (-10,500 euros)

Mistake 5 – Let the emotions flow in

Real estate should always be viewed rationally instead of emotionally. Therefore, our tip: Never buy a property out of emotion. Even if you find the property at first sight insanely beautiful, think again well about it. Often such buildings are due to the year of construction and the condition dilapidated or in need of modernization, whereby for you in the end much more costs than actually jump out.

So what should you do?

• Avoid impulse buying!
• Testing at commercial and technical level
• Examination of yield, purchase and resale value

A typical property that is bought out of emotion: A lot of charm, little profit.

Mistake 6 – No attention to resale value

A really great purchase price! – And now? How much do you get out of it in the end? Many people don’t pay attention to the resale price when buying a property, but you definitely should!

The decisive factors for the resale value are:

• Property type
• Location of the property (see return or investment)

Comparison: location and increase in value

Let’s compare the 3 types of location and the increase in value:

• A- location: value increase at 4-6% per year
• B- location: value increase at 1-2% per year
• C- location: no increase in value

As a beginner, they opt for a condominium in a good C- location or B- location.

Mistake 7 – Top equipment- bad property

Great kitchen, great furniture, you bought the property only because of its great equipment? That’s bad for you, because you’ll make less profit. What you are looking for are properties in need of renovation, because this way you can renovate them yourself and then sell them, making a profit.

Mistake 8 – Paying in huge installments

You want to pay off your loan as quickly as possible and think large sums will help you? Unfortunately, this is wrong. Here’s our tip: It’s better to agree on small repayment installments with the bank.

• The tenant pays off the property, all surpluses are direct asset accumulation
• Inflation reduces the loan for a long time
• The higher you set the repayment, the less is left at the end of the month
• The faster a property brings cash flow, the higher the surplus

Next step: criteria to the condominium

The property for first-time buyers. Want to buy a condo as your first property, but don’t know where to start? Here we’ve created a checklist of 11 items for you to determine the basics and criteria of your real estate search. Whether determining the maximum purchase price, the question of owner-occupancy or capital investment, yield or investment property as well as existing or new construction – here you will get all the answers to your questions.

Owner-occupation vs. real estate as an investment: advantages and disadvantages of owning a home

The dream of owning a home is a goal that many people have in mind. But does it make sense to choose a house for personal use as the first type of property? Or is it not perhaps more sensible to use the first property as an investment? Living rent-free in old age will never quite come true, even with a home of your own, because you are always 100% responsible for all running costs. Therefore, in this article you will find a comparison between owner-occupancy and a property as an investment, which should help you make the decision to use your first property.

• Personal use vs. real estate as an investment

How does the pension system work?

The pension system in Germany is based on three pillars; statutory, occupational and private pension provision. Many people are probably aware that this system is not doing too well these days. Read here what the three pillars are all about:

Here is an overview of the three pillars:

1. Statutory pension provision
2. Occupational pension provision
3. Private pension provision

Statutory pension provision: Collecting points for all they’re worth

Statutory pension provision ends up not really being worth talking about, thanks to certain factors such as inflation, i.e. the devaluation of money. Roughly speaking, “pension points” must be accumulated, all of which have a certain value:

• Average earnings (< 60,000 euros gross / year): One point per year
• Below average earnings : Half point per year
• Above average earnings (> 60.000€ gross/year): Two points per year

The points are then added up to the pension and multiplied by the “pension value”. Here you can find the current formula for calculating the monthly pension amount:

Monthly pension amount = earning points x access factor x pension value x pension type factor

Here is a quick example to calculate the pension of an average earner:

Example: Average < 60,000 / year

Example (40 years of work):

• Pension points: 40
• Pension value current: ~ 34
• Standard age limit / pension type factor: 1

Monthly pension:

• 40 x 34 x 1 = 1.360 Euro

Factor source: German Pension Insurance.

However, it does not stop there. Even with this amount, all taxes and inflation must still be calculated. Factors such as tax, health and long-term care insurance must also be taken into account. Especially inflation hits your pension hard. Don’t you think? Here you can find an overview of the change in the inflation rate in Germany from 1992 to 2020.

You can find more statistics at Statista.

Occupational pension provision: Secondary cover as a solution?

The company pension scheme is an additional safeguard to the statutory pension scheme. It is considered a supplementary pension and is financed by the employer. Even with this, it is difficult to cover one’s costs in old age.

Private pension provision: Investment in real estate

Let’s move on to private pension provision. The first question that arises here is how do I invest my money and in which form of investment should I invest at all? Inflation is our biggest enemy when investing in a financial product, but it is our best friend when investing in real estate, as we have already described in the article Wealth Creation & Inflation.

Here briefly again in simply explained!

Investment form Financial product:

• 10,000 euros in a savings account are and remain 10,000 euros. Even if the money is only worth half in 30 years (inflation).

Investment form real estate:

• If you buy a condominium for 10,000 euros, the money in 30 years is only worth half, you get for your property 20,000 euros

As you can see well here, when you invest in a property, you are always very well protected against inflation and can also still make profits. Unfortunately, our pension is similar to the investment in a financial product – in the end, we all make a loss.

The next step: real estate as an investment

This article compares the classic investment of money in the bank with a capital investment in the form of real estate. Real estate creates “real value”. Find out what that means here!

Learn here about the benefits of investing in real estate for your retirement savings, too!

Buying a house: High cost, high risk

The dream of owning your own home – for many, this is a life goal that needs to be achieved. Besides many positive aspects, owning your own home also has its downsides. When you buy a family home, whether for your own use or as an investment, you are always 100% responsible for the costs incurred. Read more about the risk of buying a house here.

(Alb) – Dream: The pitfall of home ownership

For many, the former dream of owning their own home often quickly becomes a nightmare. Many use a building savings contract to pay off a house until retirement age, with the intention of living rent-free. However, the assumption is usually deceptive and you still get into debt, as you are responsible for 100% of the costs incurred. So one is never completely rent-free.

• 100% investment costs
• 100% self-responsibility for costs
• Even after paying off the loan not quite rent-free

3 mistakes when buying a house

There is a lot to consider when buying a house. What many people forget are the mistakes that can be made when buying a house. Here we have the most important points for you, why we advise against a house as a first property.

Error 1

The costs incurred for the house always remain, for which you yourself are 100% responsible. You are never really rent-free with a property for pure personal use.

• Management and maintenance costs of the house remain forever

Solution – For a truly carefree life, it is advisable to maintain a second and third property that you rent out. With the proceeds from these properties you can pay the management and maintenance costs of your own property and, depending on the return, pocket the rest as profit.

Error 2

The property you bought when you were young is not suitable for your old age later on. Sooner or later, the property will have to be remodeled to meet the needs of the elderly, which will incur additional costs.

• Property is not suitable for old age later
• Costs for age-appropriate conversion
• Property sooner or later becomes too big

Error 3

Your credit rating at the bank is reduced by a property with owner-occupancy and without an additional capital investment. Through the self-use of the property, you suddenly have more current expenses than income, the running costs are also always 100% your responsibility. In the event of a job loss, the bank of you additionally has no coverage, because this means loss of income and rent for you and thus a higher risk for you and the bank.

• More running costs, less spending
• Costs 100% personal responsibility
• Job loss means loss of income and rent – risk

Source: Real Estate Types/ Real Estate Experience.com

Multi-family house: high equity, high costs

So owner-occupancy is the most expensive way to live. The situation is different with investment property. Here the tenant and the tax office more or less pay off your debts. Therefore, we now come to a multi-family / multi-party house. But real estate beginners are warned! This area is more for experienced people.

So when should you think about buying an apartment building? When you have enough equity to cover the purchase price, management costs, maintenance costs and modernization costs. Despite the ongoing rental income, here, as with owner-occupation, they are 100% responsible for all costs incurred.

Here again in brief summarizes the disadvantages of a multi-family house:

• High equity required to cover costs
• 100% of the costs must be borne by the owner himself as the owner

Residential and commercial buildings (WGH)

WHGs behave similarly to multi-family houses, but are nevertheless much riskier to invest in. Since they are equipped with commercial space in addition to residential units, they are vacant more often than residential units. The area must be maintained nevertheless, whereby additional costs result. This in turn means that you have to raise more equity.

• High risk due to vacancy
• Even higher equity required
• Vacancy must be kept in operation – More costs

Condominium: High yield & cost sharing

The solution for your first property? A condominium! The big advantage? When you buy a condominium, you are part of a community of owners, so you don’t have to bear the costs of a house all by yourself. The costs for maintenance, repair and modernization are shared among all owners. Regardless of whether it is for your own use or an investment property, the running costs are always lower than in a house where you are the sole owner.

• Part of a community of owners
• All costs incurred are divided by the number of owners

A short example: Let’s say we are talking about a heating system for 16,000 euros. You are part of an 8-part apartment building, with 1 condominium. The costs are divided by 8, so you pay -14,000 less and only 2,000 euros for the new, modern heating system.

Commercial, special real estate and monument protection

You should take a closer look at properties with commercial use, listed buildings or properties for a special purpose before buying. Why, you will learn here in a short overview!

Commercial property

• Nothing for beginners
• Subject to different legal framework than residential
• More frequent vacancies than for residential space (fluctuation)

Special real estate

Villa, farm, winery or even workshop and shopping center, all these are special real estate.

• More difficult financing due to high risk for banks
• Rather buy in A- and B- locations, as a rural location carries too high a risk

Real estate under monument protection

Real estate with historical value and special status (rights, obligations, taxes and subsidies).

• Tax incentives
• Higher costs for repair
• Restrictions on structural changes

Conclusion: What should I invest in at the beginning?

If you look at our comparison, you can clearly see that every property, except condominium, has disadvantages. Therefore, our conclusion is: condominiums are the easiest way to get started in real estate. Here again briefly our most important points at a glance:

• Self-use is the most expensive way to live – you are responsible for 100% of the costs yourself
• Ideal case for entry: condominium, for rent (investment), with good return!
• If it is to be owner-occupied, then directly with 2nd or 3rd property as an investment.

The next step: how to build your assets?

Are you interested in real estate to secure and build up your assets? Then read on here: Everything on the subject of investment, value investment and inflation.

Gemstones as a capital investment

Because of their universal and above all increasing value, gemstones were already used as a form of money in ancient times. Whether ruby, sapphire or emerald – they all become rarer and this is exactly the reason for their increase in value. Furthermore, investing in gemstones in general brings with it a number of advantages:

• The investment is long-term (value and capital accumulation over years)
• Gemstones are an asset for the owner and are not subject to any taxes
• Gems can be passed down from generation to generation without cost or bureaucratic procedures
• It is a safe investment; gemstones are real assets
• Investment gemstones must be untreated

List: Opal to sapphire to emerald

Before we take a more detailed dive into the topic of gemstones, here are some basically important, high-priced gemstone types that you should have at least heard of. The most expensive gemstones:

• Diamond
• Musgravite
• Taaffeit
• Topaz
• Sapphire (Padparadscha sapphire and Kashmir sapphire)
• Red Beryl / Bixbit
• Black opal
• Grandidierite
• Poudretteit
• Painite
• Jade
• Emerald
• Aquamarine
• Ruby
• Alexandrite
• Garnet
• Taubenblutroter Rubin / Pigeon Blood Ruby
• Benitoit
• Citrine
• Tanzanite
• Serendibit
• Amethyst
• Yeremeyevite
• Zircon
• Blue Topaz

The most expensive gems in the world: Video

Gemstones are not only incredibly beautiful. Above all, they are incredibly expensive. The following video presents the most expensive gemstones in the world.

Opal mining: How the gemstone is extracted

About 95 percent of all opals from Australia. How they are extracted, you can see in the following video. Read more about opal here.

Which gemstone is the most valuable?

Here is the top 10 list of the most expensive gemstones in the world. The prices serve as a rough guide. They may vary based on clarity or size.

• Tanzanite: $1,200 per carat
• Black Opal-$9,500 per carat
• Red beryl – $10,000 per carat
• Musgravite-$35,000 per carat
• Alexandrite-$70,000 per carat
• Emerald – $305,000 per carat
• Ruby: $1.18 million per carat
• Pink Diamond-$1.19 million per carat
• Jadeite: $3 million per carat
• Blue diamond – $3.93 million per carat

The most valuable gemstones in detail

Tanzanian

This color-changing gemstone has a blue to violet hue, the color of which depends on the orientation of the crystal and the lighting. It is only found in the foothills of Mount Kilimanjaro in Tanzania. Since it can only be mined in this one location, it comes with a high price tag of 500 pounds ($630) per carat.

Taaffeite

This gemstone comes in a beautiful range of colors from translucent to pink. Only a handful of stones have been found in Sri Lanka and Tanzania, making this stone extremely rare and valuable. Its value is more than 1,000 pounds ($1260) per carat.

Black opal

Black opal is the rarest of the opals. These black stones are speckled with vibrant colors, making each one unique and magnificent. Almost all black opals are mined in New South Wales in Australia and cost around £1,900 ($2400) per carat.

Poudretteite

This pink stone was originally found in Mont St. Hilaire in Quebec, Canada. It was thought that this was the only place it was found for many years, but it is now known that it can also be found in Magok, Myanmar. This gemstone is worth more than £2,600 ($3300) per carat.

Benitoit

This beautiful blue gemstone is found in Japan and Arkansas, in the USA, and is also mined in San Benito, California. Because of the rarity of benitoite, it is usually sold in increments of less than one carat. Per carat, the price of this gemstone is more than 2,600 pounds ($3300).

Red beryl

Often referred to as a scarlet emerald, this magnificent red crystal is said to be 1,000 times more valuable than gold. It is found in the Wah Wah Mountains of Utah and sells for more than 8,000 pounds ($10,000) per carat.

Alexandrite

Named after Tsar Alexander II, this color-changing gemstone ranges from red to green depending on the incidence of light, making it highly sought after. The original deposits, found in the Ural Mountains of Russia, had almost disappeared when new deposits were found in East Africa, Sri Lanka and Brazil. It is still extremely rare and has a price to match, at nearly 10,000 pounds ($12,500) per carat.

Serendibit

This magnificent gemstone, which ranges in color from pale yellow to blue to jet black, is found in Sri Lanka and the Mogok region of Myanmar. Its value is more than £14,500 ($18,000) per carat.

Jadeite

Not to be confused with jade! Jadeite is much rarer and quite a bit more expensive. The deep green stone is found in Myanmar and has a price tag of over 16,000 pounds ($20,000) per carat.

Grandidierite

Priced at more than 16,000 pounds ($20,000) per carat, this semi-translucent blue-green gemstone is also available. This exquisite and rare stone is found in Madagascar.

Musgravite

For many years, only eight occurrences of the blue-violet stone were found in South Australia. Recently, however, small amounts have been found elsewhere. The stone remains one of the rarest in the world and is worth nearly 29,000 ($36,000) pounds per carat.

Painite

Only two specimens of the orange to brick-colored gem existed for many years. More have been found in Myanmar, but it is still extremely rare and has a price tag of about 41,000 ($51,000) pounds per carat.

Pink star diamond

The 59.6-carat pink diamond was mined in South Africa and sold for the highest price ever achieved for a gemstone. This was a whopping £68,298,350 (about $86 million). Read more about diamonds here.

Guide: How to build private wealth

Building up assets is an advantage in any case, especially with financial reserves you are prepared for potential risks and have less to worry about. But what options are there to build up a significant fortune? Whether life insurance, saving taxes or the classic real estate investment – in this overview you will find tips and tricks from experts as well as answers to all your questions!

Tip! Especially the topic of taxes holds a savings potential with the right know-how. Take a look at our guide: Tax Basics XXL

Save taxes: Income, corporation & Co. – tips and tricks

You want to save taxes? Classification, income, turnover, coaching – tax advantages and benefits as well as tips and tricks on the subject of “saving taxes” are essential for entrepreneurs, freelancers, pensioners & Co. in order not to lose track of the many laws and guidelines in tax law. Although everyone is familiar with the word “tax”, only a few people actually know what taxes are. What taxes are there? For what do we pay taxes and how much? To whom do we pay taxes? What tax tricks and tax saving tips are there? And very important: How does saving taxes work at all and which tax saving tools should I use? You can find out about this and much more below, quickly and easily.

• Wealth accumulation: saving taxes

Investment life insurance: Risks & asset accumulation

Life insurance can basically be divided into two types: term life insurance and endowment life insurance. Life insurance stands out above all as the best protection for partners and children – keyword term life insurance. But they can do even more, for example build up assets for old age (endowment life insurance). To what extent life insurance makes sense as an investment and much more on the subject of life insurance you can find out here.

• Wealth accumulation: life insurance investment

Video Tips: From basics to retirement planning

If you want to learn about wealth building but don’t have the time or leisure to read up on it, you’ve come to the right place. We have compiled informative video recommendations for you on topics such as wealth building basics, finance or even retirement planning. In it, experts and professionals clarify questions around the topic of wealth accumulation and share their knowledge and experience with you.

Wealth building basics: tips, 1×1, rules & mistakes

You don’t want to slave for your money? You want to make your money work for you and finally build a fortune? We’ve rounded up the best book tips for you to learn how you too can finally get to building wealth. Passive income, stocks, investments, real estate and ETFs, all these terms and strategies are explained and explained in the videos. With this know-how, everyone can learn something, build up or expand their assets or simply make targeted provisions for old age. It’s worth watching!

• Video Tips: Wealth Building Basics

Passive Income: Real estate, renting and more

Passive income is a term you should know if you are involved in real estate rentals or the like. But not only in the real estate world you can generate passive income, but also in other areas. How this works in real estate, what kind of passive income you can plan here, but also what other ways there are to get passive income, you will learn in these video recommendations

• Video Tips: Passive income

Pension: Understand and avoid mistakes – tips from experts

For many – especially young – people, retirement is often a vexing topic. People like to put it off for too long because they don’t want to deal with the subject of pensions. But retirement planning, paying into the pension fund and the like are definitely topics that should be dealt with early on. Especially now, when pensions are likely to continue to decline in the coming decades, you should make provisions in good time. In these videos you will get tips and tricks from experts on the topic of “Understanding pensions”.

• Video Tips: Pension

Retirement planning: options, investment, tips & achieving independence

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We answer all these questions and more here.

• Video Tips: Retirement Planning

Successful Investing: Investment, tips, strategies, mistakes and more

Successful investing is a dream of many people. But unfortunately, it is not as easy as it seems. How can you start as a beginner in the investment industry? What do you have to consider and which mistakes should you try to avoid? What is worth investing in? And what does the term “investment” mean anyway? We enlighten you with videos including tips and tricks from experts!

• Video Tips: Invest successfuly

Finance: Basics, Organization, Apps, Risk, Tricks & Co.

Finance is a very important topic in today’s society, and in principle every citizen comes into contact with it in one way or another. We explain the most common terms in the world of finance and give advice on loans, overnight money, shares, etc. If you want to know how investments work, what different financial products there are and which credit card is particularly recommended, you are in the right place.

• Video Tips: Finances

Book Tips: Questions Answered – Finance, Investment & More

Below you will find the most successful and best rated books (Amazon) on the topic of wealth building. Whether it’s passive income or successful investing, if you’re looking for an inspiring and informative read on wealth building, you should find it in our book lists. Benefit from the experience and knowledge of professionals that they share with readers in these books.

Wealth building basics: saving money, ETFs and more

You don’t want to slave for your money? You want to make your money work for you and finally build a fortune? We have compiled the best book tips for you, with which you can learn how to finally build wealth. If books are too cumbersome for you, you can also find a link to a compilation of videos on the subject here.

• Book Tips: Wealth Building Basics

Finance: Stocks, asset growth, tricks and more

Everyone has to deal with them sooner or later: Finances. But what actually belongs to the topic of finances? What should you pay attention to when dealing with your finances and what advantages can you possibly gain? We have collected book tips for you with literature from experts who can tell you their tricks and illustrate and explain the world of finance to you. Learn everything about finance, strategies, stocks and much more!

• Book Tips: Finance

Successful Investing: Tips and tricks to make profit

Successful investing is a dream of many people. But unfortunately, it is not as easy as it seems. How can you start as a beginner in the investment industry? What do you have to consider and which mistakes should you try to avoid? What is worth investing in? And what does the term “investment” mean anyway? We present you the best books on the subject of investment and successful investing!

• Book Tips: Invest Successfuly

Passive Income: Real estate, investment and expert tips

For whom doesn’t that sound tempting: earning money “without doing anything for it”. But of course it is not quite that easy. If you want to generate passive income and thus build up a fortune, you have to proceed strategically and take many factors into account. Real estate, for example, can often be a good way to generate passive income. But how to buy and rent a property, or generally generate passive income, experts have commented in various books. We have collected the best-rated books with tips and tricks from professionals for you.

• Book Tips: Passive Income

Pension: Provide for old age and avoid mistakes early on

Sooner or later, everyone has to deal with pensions. How the pension system works, when and where you can get the best information, what mistakes you can avoid and what tips there are to increase the pension, we show you in our list of recommended books by experts on the subject of pensions. We also give you insights into investment options and the Riester pension.

• Book Tips: Retirement

Retirement planning: financial plan, pension needs, explanation and more

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We’ll answer all these questions and more here, with book recommendations from experts who share their know-how with you.

• Book Tips: Retirement Planning

Tip! Real Estate XXL: Investment, Sale & Co.

The world of real estate is complex and multifaceted. If you want to keep an overview and avoid making mistakes, you should prepare well and clarify as many open questions as possible in good time. No matter whether you want to build, buy and rent out a property or live in it yourself, or even use a property as an investment to generate passive income: The preparation is the A&O. Here you will find articles, as well as book and video tips with successful and helpful books and videos on the subject of real estate – including tips and tricks from professionals and experts.

• Book and Video Tips: Real Estate XXL

Beach house: What actually is a beach house?

You love to listen to the sound of the sea, gaze at the starry sky while the sand tickles between your toes and you breathe in the salty sea breeze? Who says these classic holiday memories should only be part of vacations? Why live in a cramped rented apartment, expose yourself to daily exhaust fumes, and work out in a gym with concrete walls? In this day and age where mobile working has become the norm, Pilates and surfing on the beach are among our favorite activities, and the thirst for adventure is constantly on the rise, the beach house seems to have established itself as the new dream property par excellence. The beach house as an investment, vacation home or home of your own! Convince yourself!

Are you looking for the right house? Then check out our guide! Here you will find definitions, meanings and lots of information: House types from A-Z

Beach house: villa, bungalow or traditional beach cottage – The agony of choice

The beach house can be much more than just a huge luxury mansion in the Hamptons or a small, traditional beach cottage in Calabria, Italy. Beach houses are a dime a dozen. It’s almost impossible to count the different types of beach houses. Classic beach houses include the following:

• Penthouse with panoramic sea view
• Simple bamboo hut with holiday feeling
• Beach house with veranda
• Bungalow with terrace and garden
• Beach house with sea view
• Wooden house on the beach
• Beach House Villa
• Etc.

Room layout: terrace, window front or open room layout

Nightly deep talks with your best friend in the beach chair on the private terrace with sea view? Cosy cocktail round with friends and colourful fairy lights, which are reflected in the sea? Or perhaps a relaxed evening with a glass of wine in one hand and a book in the other? No matter what you choose, there’s one thing that won’t fail you – your personal terrace!

As individual as beach houses can be, a terrace and not infrequently also a conservatory are a fixed component of the architecture. Where else but on the beach would you find a terrace? It can also be said that beach houses often enjoy an open room design. Large window fronts, loft character and a terrace, conservatory or balcony are also characteristic features of a beach house. We like!

Source: Beach House (Lukinski.de)

Advantages & disadvantages: beach, nature and hidden costs

The sound of crashing waves replaces your alarm clock? Daily surf trips, walks on the beach at sunset and cosy wine evenings on the veranda with sea view – all images with which one associates the lifestyle of a beach house life. As dreamy and enticing as these images seem, don’t close your eyes to reality. You will be able to enjoy dreamy walks with the sunset reflected in the sea, but you will not be able to fully escape the typical everyday problems even there. So that you are not disappointed by too high expectations, you will find below an overview of the advantages and disadvantages, with which a beach house goes hand in hand!

Advantages: Summer feeling, sun, beach & vacation in your own home

Whether it’s a two-week holiday in Calabria, a Mediterranean cruise or a trip to the most beautiful Greek islands – the time by the sea is your favourite part of the year? Sun, a decelerated everyday life, nature at your doorstep and much more inspire holidaymakers every year. With your beach house, this lifestyle is not limited to two weeks a year, but will establish itself as your new everyday life. In addition to the improved quality of life, it is also an excellent investment. With a good location, beach houses often enjoy an increase in value over the years. We like!

• Improved comfort, better quality of life
• Slowed down everyday life
• Nature on the doorstep
• Many sports activities (surfing, hiking, running, swimming etc.)
• Long-term profits
• Flexibility (own use or rental)
• Rental income, if any

Disadvantages: Homesickness, renting and hidden costs

As dreamlike as the idea of a beach house life sounds, it can also quickly burst. It is often not considered that the decelerated life on the beach – the nearest city often several kilometers away – can hit the psyche, especially in the winter months. As beautiful as life is among sand dunes, palm trees and high waves, there will be the odd day when you’ll miss your icy porch, your little balcony with a backyard view and your annoying yet beloved neighbors. Accordingly, most beach houses are often second homes. If you’re going this route and want to supplement your income a bit with rental income, don’t underestimate this venture either. Hidden costs and bureaucratic chaos are just a few aspects to contend with here. None of this should scare you away from life on the beach, but bring you back down to earth. Not everything is summer, sun & sunshine is!

• Often a little isolated
• Poor connections
• Homesick
• Hidden costs
• Bureaucratic chaos
• Rental agreements

Beach house: For whom is the beach house suitable?

Whether it’s a minimalist life in a beach cottage in Bali with a surfboard, a year of adventure in New Zealand or a relaxing retirement on the Baltic Sea – the beach house offers space for a wide variety of people. The following is an overview of which type of beach house is best suited for whom. See for yourself!

Beach house adventure: freedom loving couples on tour

You want to escape the hectic city life and dream of a year abroad together with your partner? Renting a beach house is the perfect way to do this. You can start in a small, traditional beach house in Calabria, move on to Spain to a bungalow with sea view, watch the Atlantic Ocean from your terrace in Portugal, enjoy the Moroccan ambience in your colourful beach house and then move on to Australia, Bali and New Zealand. A year full of new impressions and gorgeous beach houses. Financially, you can keep your head above water with small temp jobs locally or with your work at the home office. Convince yourself!

Singles: live in a beach house with rest or party

You enjoy your single life, your independence and self-reliance? Then it’s time you fulfilled your dream of living on the beach. With your independent lifestyle, being able to call a property your own, working from your laptop, renting out your domicile when needed, is a great way to do it. A beach house will decelerate your life and improve your quality of life. Knowing that beach houses in good locations can usually be successfuly rented out offers additional security. Who is ready for the adventure “beach house”?

Retirees: Beach house as an oasis of relaxation – Spa in your own home

Your working life is a thing of the past? You don’t want to spend your well-earned pension in a grey two-room apartment? You want to enjoy your retirement to the fullest? Then nothing stands in the way of a beach house life. A decelerated everyday life, fresh air, the sound of the sea, nature on your doorstep and cosy evenings with the family on the veranda sound like a life that can be lived!

Property: selection and characteristics of the right beach house

Your decision is made? The grey four walls in Germany must give way to the cheerful, summery-light beach ambience? Congratulations! You’re already dreaming of cosy summer evenings with wine and friends barefoot on the beach? Understandable, but as great as your anticipation is, so is the difficulty of finding the perfect property. Here are a few tips on how to succeed in this endeavour!

Checklist: Choosing the plot for your beach house

In order to find the perfect property, there are a number of factors to consider. Here you will find the most important key points summarized in a compact checklist for you:

• Direct access to the beach
• Quiet environment
• Value of the property (pool, well-kept garden, etc.)
• In need of renovation or refurbishment?
• Direct connection to the next town
• Energy efficient living (power sources etc.)
• Good sports facilities (running, hiking, surfing etc.)

In addition to the monthly rental or loan costs, you should never lose sight of the maintenance costs. Facades and wood cladding on exterior areas in particular often require regular renovation and maintenance.

Our tip: Have your building project or rental plans reviewed by an expert during the planning process and get advice. Nothing will stand in the way of your dream beach house!

Living and holiday combined: rent or buy a beach house?

As an investment, holiday home or own residence – the beach house offers many possibilities of use. You want to escape the stress of the big city and find peace and contentment on the beaches of this world? The beach house has enjoyed increasing popularity for many years. This way of life has fascinated you and you are longing for more than just a holiday home? Now the question is whether to rent or buy? Create an investment or keep your flexibility? Below we explain the advantages and disadvantages of buying or renting a beach house!

Beach house as an investment: The pros & cons of buying this dream property

First and foremost, you need to ask yourself one question: Do I want to use my beach house as an investment, meaning rent it out, or do I want to fulfill my own dream of beach living? Rule of thumb number 1. applies to both scenarios: You need to take a hard look at the financial aspects of your plan. What costs will I have to reckon with? Will I need to take out a loan in addition to my saved capital? Do I have a stable, secure income? Once the financial aspects have been clarified, you should also consider the time factor. Do renovations / refurbishment work have to be carried out? The purchase alone is not enough, the maintenance is often forgotten. Especially if you have decided to rent out your domicile, aspects related to maintenance must be a top priority. Here are the most important points summarized in a list for you:

• Stable, own income
• Popular investments
• High yield & stable value
• Time component must be taken into account
• Analysis of the surroundings and location
• Care of the domicile
• Marketing of the property
• Booking processing
• Cleaning
• Gardening if necessary
• Etc.

Beach house as a holiday home: The pros & cons of renting a beach house

Regulated office life in winter in Germany, decelerated lifestyle in summer by the sea or still enjoy the summer in Germany and escape the cold winter months in the south – renting beach houses – whether summer or winter – is becoming increasingly popular. As dreamy as the idea of living by the sea sounds, there are a few things to consider. What is included in my rental price? What is the location of the property? Am I dependent on a car? Are there free time options? Is the beach house energy efficient? Does the beach house offer internet access so nothing gets in the way of my home office routine? Below is a list summarizing the pros & cons of renting a beach house:

• Increased rent during peak season
• What is included in the rent?
• Is my beach house suitable as a home office? (Internet access etc.)
• Location of the property
• Pay attention to financial situation, hidden costs

How to arrange a beach house ?

When you think of a beach house, do images of hammocks, natural tones, palm tree paintings and seashell decorations come to mind? Luckily, we’re in the 21st century, where beach house decor far exceeds this stereotype. Whether you’re looking for a minimalist aesthetic, an oriental colour scheme or a French country house style, the following interior brands will give you a good overview of possible interior design styles. There are no limits to your inspiration and creativity!

• Roche Bobois: extravagant design in bright colours from Paris
• Vera Wang: Home accessories in minimalist style
• Boca Do Lobo: furniture and home accessories in exclusive Portuguese design
• B&B Italia: Interior dreams in Italian aesthetics
• Gucci Décor: Opulence in 70s style

What is a solid house? Features, durability and construction

A solid house is the construction method of a house, in which a house is built according to the plan of an architect with solid building materials. Each house here becomes unique due to the individual wishes of the respective builder.

The opposite of a solid house is a prefabricated house: In a prefabricated house, the house is built according to the modular principle and consists of a wooden construction. The house is built brick by brick. The building materials are delivered to the construction site, where they are assembled into a finished house by specialist companies. The building materials used for walls and floors are aerated concrete, sand-lime bricks or goat bricks. The staircase and roof construction, on the other hand, is usually made of wood.

On average, a house of this construction type has a lifespan of 100-120 years and is considered the older of the two construction variants. In terms of price, the average price for a square meter of a new building is 1,300 euros. for the pure construction costs without the land. There is no limit here for the upper price limit.

Tip. You want to learn more about risks and factors of building a house? Then take a look at our article on building a property! Here you will find expert videos that give you tips and tricks and information on important topics such as financing, equity & Co.

Are you looking for the right house? Then check out our guide! Here you will find definitions, meanings and lots of information: House types from A-Z

Room layout: room, space & unlimited possibilities

Since you can plan your solid house individually, the room layout of your house is completely up to you. Whether it’s a walk-in wardrobe, music room, open-plan kitchen or a house with a sauna – there are no limits to your wishes.

Advantages and disadvantages: Lifetime, individuality, costs & Co.

Even today, the majority of builders in Germany opt for an architect-designed house in solid construction. In the following two paragraphs you will find out which advantages and disadvantages this entails.

Advantages: high durability, individuality & own contribution

If you choose a solid house for the construction of your house, this will bring some advantages compared to a prefabricated house.

The biggest advantage and the reason why most builders choose a solid house is the great degree of individuality that is given to you. Size, floor plan, materials, shape and equipment of the house can be chosen at will.

The solid construction method influences the indoor climate and the air and moisture circulation inside the room through the material (concrete or stone). Other advantages of the building material are high sound and fire protection.

Up to 100 to 120 years of life – that’s what a solid house promises you. On average, three generations can live in this house. In contrast to a prefabricated house, this one is also more resistant to environmental influences such as flooding or heavy rain.

Solidity pays off not only in a long life span, but also in a possible later sale: Even after a few years or decades, a higher price can be achieved with a solid house than with a prefabricated house.

One way to save costs on a solid house is to do a lot of the work on the house yourself. Craftsmanship can thus reduce the costs of the craftsmen and also costs in the construction financing. The own work can be credited to you up to a certain point as equity.

• High degree of individuality (size, floor plan, material, equipment)
• Better indoor climate & air and moisture circulation
• High fire and sound protection
• Long service life
• Protected against environmental influences (flooding, heavy rain)
• Higher resale value
• Own contribution

Source: Massivhaus (Lukinski.de)

Disadvantages: long construction time, delays & high costs

Despite all the advantages, a solid house also brings negative aspects. The clarification of the financing should take place before the construction. If necessary, a possible subsidy programme can be claimed from credit institutions. Since financing of the new building and the rent of the past dwelling are parallel stemmed, this could be a good financial solution. Long periods of bad weather can cause delays in construction. This not only acts as a longer wait for the home, but also becomes an additional cost. This is where commitment interest can occur over a long period of time.

Many builders shy away from building a solid house because of the long construction time it takes to complete it. This construction time is often extended by long drying times of the components, this leads to the fact that the date of completion is delayed even further. Some stages of construction can only be completed depending on the weather such as work on the roof truss of the house.

For the construction of a solid house several different craftsmen are needed: Bricklayers, roofers, painters and tile layers are just the beginning. The coordination of these different craftsmen can be extremely difficult. Construction errors as well as compliance problems can easily occur.

• High investment
• Long construction time
• Delay of the construction
• Weather dependency
• Longer drying times
• Many different trades

For whom is a solid house suitable? Families, creative people & Co.

For whom is the solid house suitable? This solid house is suitable for large families, individualists and people who would like to use their house as an investment in the future. We show you here which target groups benefit from which aspects of the solid house.

Large families: house for several generations

A large family will find a dream home in a solid house. As the house has a long lifespan, this house can also be wonderfully bequeathed to future generations.

Individualists and creative people: house according to your wishes & needs

Is a solid house the right choice for you? You are the right candidate for a solid house if the individual plays a big role for you when building your house. Instead of a standard house, a house can be created according to your personal wishes and needs.

Developers who want to use a property as an investment

Since a solid house is in a significantly more expensive price segment than a prefabricated house, a solid house is more something for high earners. A solid house is also suitable for people who are looking for an investment and want to use the house later as an investment.

Construction of the solid house: what, when and how

Building a solid home can be done through three different ways: Through a developer, a general contractor, or independently.

The advantage of building through a developer is that you don’t have to worry about coordinating the construction work, as this is completely taken care of by the company. After the completion of the construction, the house will be handed over to you ready to move in.

When building with a general contractor, the coordination of the construction site is taken from you by the company. However, the land is usually not included in the service. As with building with a developer, you also have a contact person. Your contact person coordinates your schedule and ensures that the construction work is carried out correctly. The responsibility for the construction of the house is therefore in the hands of a third party.

The last option is to take the construction into your own hands and coordinate construction work and various necessary tradesmen yourself. Especially inexperienced builders should know that they face a great challenge here, because the construction of a solid house can be extremely complicated and stressful. Therefore, building a house on your own is only advised if you already have experience in the building trade. Wrong decisions can otherwise lead to a huge loss of money.

• Property developer: Coordination is completely taken over by the company, handover when the house is ready to move in, specific contact person
• General contractor: coordination of the construction site, land not included, specific contact person
• Independent construction: complete coordination on own responsibility, stress, experience needed

Duration of the construction of a solid house: from the basement to the roof

Building a solid house takes time, waiting times for drying out and drying through delay the time until the next step takes place. Another decisive factor is the weather. Usually the main construction phase is moved to the summer, so that most of the construction can take place in the warm and preferably without much rain. The first step in the construction of a solid house is the casting of the floor slab and the construction of the basement. The second step is the masonry of the walls and the construction of the intermediate ceilings. The roof and the interior fittings are the last step.

Selecting materials correctly: Concrete, brick, sand-lime brick

With a house built stone on stone, you have to choose between different materials. Brick is considered the classic building material and the oldest building block in the world. The advantage of this building material is the good heat and sound insulation and the short drying time. A low susceptibility to mold and a good fire protection are other positive aspects of the stone. However, it must be noted that certain types of brick are not suitable for load-bearing walls.

Aerated concrete is convincing due to its light weight with a high insulating effect. However, a high sound insulation is not given here. In addition, the bricks easily absorb moisture and require good protection against environmental influences.

You are well protected from noise with the heavy sand-lime brick. In addition, there is the high compressive strength and the insensitivity to the weather. Negative aspects are the poor thermal insulation and the costly processing.

Lightweight blocks are a combination of materials that combine the advantages of different materials. This material is made of cement with added pumice or expanded concrete. Robust and good heat and sound insulation – these are the advantages of lightweight blocks. The lack of frost resistance, however, requires supplementary protection against the weather.

• Brick: good heat and sound insulation, low susceptibility to mould, good fire protection, not suitable for load-bearing walls
• Aerated concrete: light weight, high insulating effect, high sound insulation, requires protection against environmental influences
• Sand-lime brick: high compressive strength, insensitive to weathering, poor thermal insulation, costly processing
• Lightweight brick: robust, good heat and sound insulation, lack of frost resistance

Mixture of prefabricated house and solid house: The prefabricated solid house

An alternative to the solid house is the prefabricated solid house. The prefabricated solid house is an intermediate form between the prefabricated house and the solid house. A prefabricated house with wooden construction can be selected from the catalogue. The house is then rebuilt with solid materials by a builder. However, the costs and construction time are based on the solid house and not on the prefabricated house.

Individual furnishing according to your taste

As individual as you can design your house from the outside, you can also adapt the interior to your individual taste. Different interior styles are waiting to be discovered by you and to fill your house with life. In our interior brand guide you will find numerous luxury brands and their homeware collections such as Dior Maison, Fendi or Armani Casa.

Also exciting: Our articles on the subject of room furnishing, as well as our comprehensive guide with the trendiest interior styles: Furnishing styles XXL.

Real Estate Advisor XXL – All questions answered

The world of real estate is complex and multifaceted. If you want to keep an overview and avoid making mistakes, you should prepare well and clarify as many open questions as possible in good time. No matter whether you want to build, buy and rent out a property or live in it yourself, or even use a property as an investment to generate passive income: The preparation is the A&O. Here you will find articles, as well as book and video tips with successful and helpful books and videos on the subject of real estate – including tips and tricks from professionals and experts.

Tax advantage: Capital investment real estate – Answers from the expert

Real estate investment: Tax advantages? Nursing home? Many topics around real estate are complex. Especially topics like capital investment are often not understandable for laymen. It is all the more pleasant when someone who knows the subject well explains it in simple terms. The interview with real estate expert Jan Rickel.

• Tax advantages: Real estate as an investment

Inheritance tax on real estate: tax-free amount, market value & more

Inheritance tax for real estate in Germany. Anyone who inherits or wishes to inherit real estate should take a few things into account, because taxes are also levied on inheritances in Germany. The amount of the allowance depends on the degree of relationship to the testator. Relevant here is the tax class to which the heir belongs and the tax rate applicable to this tax class. Since 2009, it has been common practice for inherited real estate to have inheritance tax determined according to the market value.

• Video Tips: Inheritance tax real estate

Videos: Real Estate Explained – Apartment Selling, Renting & Co.

Some people find it easier to work and learn with books and texts, others benefit more from films and explanatory videos. Here we have compiled an overview for you, with many relevant aspects around the topic of real estate. You will find articles with lists for the individual aspects, in which you can find helpful and informative information on the respective topic – from buying an apartment to renting and more.

Selling Real Estate: Make a profit & make a return

You have invested in your own property or inherited a house and now want to sell it at a profit? But you don’t know exactly which factors, circumstances and rules to consider or which mistakes you should avoid at all costs? We have compiled the most exciting, helpful and informative videos for you to prepare you perfectly for your upcoming house sale!

• Video Tips: Sell real estate

Earn money with real estate: Passive income & Co.

Making money with real estate is a plan that many people have. What one or the other hopes with it: to receive additional money in old age. Thus, one gets not only the pension, but for example, even rental income. The idea behind this is that someone buys a property and then rents it out to earn money. In this article you will learn how much passive income you can expect, what different ways there are to invest in real estate and whether you can buy real estate at a young age – during your education. Furthermore, you will learn how you can invest in real estate without already having the big money.

• Video Tips: Make money with real estate

Real estate agent: profession, costs and commissioning

The profession of real estate agent is interesting for many, but what is behind it? Is it true that there is so much money to be made as a real estate agent? How does a real estate agent spend his day? And how do you become a real estate agent? Whether it’s information on training or how to avoid the biggest mistakes as a real estate agent, you’ll find out in this article. With the help of this video list you can click through the different areas of real estate agent.

• Video Tips: Real Estate Agent

Real estate financing: house or apartment, construction or purchase?

You want to buy a property – whether a house or an apartment – but you don’t know how to finance your dream? Terms such as loan, interest, credit, repayment or building society contract only raise more questions for you? Here you will find all the important information on the subject of real estate financing: from financing with equity to financing without equity to applying for a loan, we cover all the important topics!

• Video Tips: Real estate financing

Real estate investment: entry, financing and more

Real estate is considered a safe and profitable investment. But what is the best way to invest in houses or apartments? Whatever drives you to make a lot of money: Buying an apartment as an investment is the best idea you will ever make. If you want to invest successfuly in real estate, you need a good strategy. It is underestimated how quickly life can change. Successful investors calculate before they buy whether the expected return on a property will cover the financing costs and whether they can even make a profit in the end.

• Video Tips: Real estate investment

Buying & renting real estate: Calculation, rental agreements & Co.

All beginnings are difficult, but with the right recommendations and tips, getting started is easy. To help you get off to a smooth start in the world of real estate, we provide you with tips and tricks. From preparing to buy your first home, to finding the right rent, to solving problems like rent loss and vacancy, this guide provides you with the best videos on buying and renting real estate.

• Video Tips: Buy & Rent Property

Rent out property: Investment and financial investment

Looking to get into real estate or already have an apartment or house to rent out? Renting out property can be an extremely good way to generate passive income. However, it all comes with many factors and decisions that will determine your success. We have compiled tips and tricks from experts in video form for you, so that nothing can go wrong when renting out your property!

• Video Tips: Rent out property

Buying real estate: Buy a house or apartment – Tips

Buying a property is not like shopping in a mall. Before you buy a house or an apartment, many aspects must be clarified in advance. Many mistakes can happen in the process. With our guide you avoid problems and get in the best case the perfect property. How to find the right type of property for your personal investment, what makes it profitable and much more can be found out here.

• Video Tips: Buy property

Building Property: Financing, loan rate and more

To build or to buy a house? This question is on the minds of many prospective buyers. Here we show you the advantages and disadvantages of both options and offer interesting tips on financing. Both options have their advantages. A new building has the great advantage that you can determine the layout of the rooms according to your wishes. With an existing property, you don’t have to deal with the complicated construction phases and you can live in your own home much more quickly. Here you will find videos that will help you to finance your dream home and show you what you should pay attention to.

• Video Tips: Build property

Real estate as an investment: Investing money cleverly – beginners & advanced learners

You want to have a passive income and real estate as an investment? Buy a house or an apartment, approach real estate as a long-term investment and thereby generate high income in the future? However, you are still new to the world of real estate and are looking for tips & tricks on how to invest in real estate as an investment? Here you will find tips and important know-how on how to become successful in the real estate world. How do you buy real estate as an investment, what risks are there or can arise? Most importantly, what mistakes are often made and how can you avoid them? We enlighten you!

• Video Tips: Real estate as an investment

Books: All about real estate – Book Tips

If you learn best by reading, you’ve come to the right place! Below you will find book tips on the topic of real estate, from buying a home as an investment to capital investments and generating passive income. In each recommended book, experts and professionals share their know-how and provide you with tips and tricks to avoid potential mistakes from the start.

Real estate as an investment: recommendations and tips from experts

You want to have a passive income and real estate as an investment? Buy a house or an apartment, approach real estate as a long-term investment and thereby generate high income in the future? However, you are still new to the world of real estate and are looking for tips & tricks on how to invest in real estate as an investment? Here you will find tips and important know-how on how to become successful in the real estate world. How do you buy real estate as an investment, what risks are there or can arise? Most importantly, what mistakes are often made and how can you avoid them? We enlighten you!

• Book Tips: Real estate as an investment

Real estate investment: avoiding mistakes, basics and guidance

Buying a property and using it as an investment can be a very efficient investment. But what should you actually consider in the process? And what mistakes should you avoid at all costs? We’ve put together a list of books to help you answer these questions and prevent potential problems. Investments, capital investments and tax optimization are the most central topics here and should help you to become an investment professional with comprehensive knowledge.

• Book Tips: Real Estate Investment

Make money with real estate: Real Estate Investment, Guidebook – Book Tips

You already have a property that you would like to make money with? Or you want to buy a property and have it make money for you? Making money with real estate is a common and common strategy to generate income, but the way to get there is not so easy. What you should pay attention to, what is important and what mistakes you should avoid, you will learn in our compilation of book recommendations with tips and tricks from experts on the topic: Making money with real estate.

• Book Tips: Make money with real estate

Renting Property: Experience, service charges, taxes and more

Looking for a sensible investment or just a way to generate extra income without much effort? Renting out property is a great way to provide for your retirement and stop worrying financially. There is a lot of money to be made in real estate – how it all works is explained in the following books so you don’t make any mistakes in the future!

• Book Tips: Rent out property

Selling real estate: Notary, private sale, donation & Co.

You have already invested in real estate or inherited or bought a house, and now you want to sell it for a profit? In this article we give you book tips on the subject of selling real estate. How you can achieve appropriate profit and profit, what you need to pay attention to and many other questions are answered in these books by experts and professionals with the appropriate know-how.

• Book Tips: Selling Real Estate

Real estate financing: loans, building savings contracts and more

You want to buy a property but don’t know how to finance your dream? Terms like loan, interest, credit, repayment or building society contract only raise more questions for you? Here you will find all the important information on the subject of real estate financing: from financing with equity to financing without equity to applying for a loan, we cover all the important topics! Real estate, renting, taxes, learn how it works here.

• Book Tips: Real Estate Finance

Getting started in real estate: tax guide, buying property & co.

Do you want to enter the real estate industry? Here you will find tips and important know-how on how to become successful in the real estate world. How do you get started in the real estate business, what mistakes and risks are there and how can you avoid them? We enlighten you! Here you will find the best books that explain how you can become rich with real estate.

• Book Tips: Getting started in real estate

Buying Real Estate: Checklists, investment and pro tips

With our book list, you can’t go wrong with your next real estate purchase. Our book tips cover all topics from the right inspection to the closing and possible resale. What do you have to pay attention to? How do you finance your purchase in the best possible way? How do you evaluate a property? And how do you conclude the contract? Answers to these and many other questions can be found here. You prefer video tips instead of book recommendations?

• Book Tips: Buy property

Real estate agent: costs, guide, strategy and more

Earning money with real estate is a lifelong dream for many. Marketing and selling luxurious homes in the most beautiful cities in the world. That’s the image that comes to mind when we think of real estate agents. We want to show you the way to get there and give you a jump start. We offer you a list of the best book recommendations with tips and tricks from the experts: everything from training books, job aids with forms and guidebooks with instructions on how to get started in the real estate industry.

• Book Tips: Real Estate Agent

Buying & renting property: Do’s and don’ts of the experts

For beginners, the real estate world is still an area where you can’t see the forest for the trees. We want to make it easier for you to get started in the industry with the best recommendations and tips from the pros. Our book tips guide you through the comprehensive world of real estate and leave no topic out. Here, we focus primarily on home buying, property rentals, and all legal and contractual issues. Sorted by the most and best reviews, we have compiled a list of the best guides on the subject of real estate.

• Book Tips: Buy & Rent Property

Building Property: Guidebook, financing, contract traps and more

To build or to buy a house? This question is on the minds of many prospective buyers. Here we show you the advantages and disadvantages of both options and offer interesting tips on financing. Both options have their advantages. A new build has the great advantage that you can determine the layout of the rooms according to your wishes. In an already existing property you don’t have to deal with the complicated construction phases and you can live in your own home much faster. Here you will find books that will help you to finance your dream home and show you what you should pay attention to.

• Book Tips: Build property

Tip! Taxes XXL – Taxes at a glance + explanation

Taxes are often a vexing topic, especially in Germany. Wage tax, value added tax, real estate transfer tax and much more: it is not easy to keep track of everything. But if you’re not interested in employing a tax consultant, who can be quite expensive, you need to get to grips with the subject of taxes. We want to help you with that! Here you will find an overview of guides as well as book and video tips on the subject of taxes. Whether we introduce you to individual types of German taxes or you watch a video on the subject of tax returns, all your questions about German taxes will be answered here.

• Book and Video Tips: Taxes XXL

Concept Bau GmbH

Concept Bau: Project developer and builder for Munich and the surrounding area. Since 1982 a too reliable partner for new build condominiums, terraced or also semi-detached houses. Projects such as condominiums in Milbertshofen with 86 units or the Plaza Pasing with stylish condominiums in a prime location are currently part of the repertoire.

• Rating: 3.8 out of 5 (15 ratings)
• Hans-Cornelius-Strasse 4, 82166 Gräfelfing, Germany
• 089 2123980
• Conceptbau.de

Alpine real estate

Alpine real estate: The developer for hotel apartments or chalets in the mountains. Looking for a modern apartment, an alpine hut or a house by the lake? Current offers such as the Sonnenhotel Weingut Römmert, which is located directly at the winery, but still only a few minutes’ walk from the centre of Volkach, or the quaint but high-quality chalet in traditional style in the Monte Lussari ski resort in Italy make it possible.

• Rating: 4.5 out of 5 (15 ratings)
• Wolfratshauser Str. 119. 82049 Munich
• 089 7596988820
• Alpenimmobilien.de

Baywobau Baubetreuung GmbH – Munich

Baywobau – with passion and the highest construction quality for more than 54 years at work to make your home an oasis of well-being. Projects such as attractive 1- to 3-room apartments in the trendy urban district of Obersendling or the innovative Z city quarter for every phase of life are part of the Munich product range.

• Rating: 2.8 out of 5 (22 ratings)
• Geyerstrasse 32, 80469 Munich, Germany
• 089 286500
• Baywobau.de

MünchenBau

MünchenBau: Highest quality for discerning customers. The developer impresses with residential and office concepts, such as the 33-hectare “Belvedere” quarter in the middle of a green oasis, close to the pulse of life, or the unique, noble “Lichthöfe”, an office building in factory design, which is to be completed by the end of 2023 and offers ample space for the creation of innovative ideas on 9,000 square metres of office space.

• Rating: 4 ,2 from 5 (11 Reviews)
• Franziska-Bilek-Weg 9, 80339 Munich, Germany
• 089 74366300
• Muenchenbau.com

RS-Wohnbau GmbH

RS-Wohnbau GmbH: 35 years of quality and already 700 completed houses and 6000 completed condominiums in Munich. Current projects include a multi-family house with elevator and underground parking in Maxhof or the neoclassical city palace near Schlosskanal in Obermenzing.

• Rating: 4.5 out of 5 (41 ratings)
• Steinsdorfstraße 13/ 4th floor, 80538 Munich
• 089 2903710
• Rs-wohnbau.de

DEMOS Residential Construction Ltd.

Demos Wohnbau convinces with modern condominiums such as the project “die neue Gerberau” in Munich-Karlsfeld. In the future, among other things, the Alexis Quartier is to be built in Munich-Perlach, directly on the avenue. Currently, many condominiums, houses and commercial spaces are on offer.

• Rating: 3.7 out of 5 (26 ratings)
• Thalkirchner Str. 26, 80337 Munich
• 089 231730
• Demos.com

Hachinger Bau GmbH

Hachinger Bau: expert for construction projects in the Munich area. Whether small, individual residential complexes or semi-detached houses with five to 15 residential units – the excellent standard of living is the top priority here.

• Rating: 4.0 from 5 (5 ratings)
• Münchner Str. 70, 82008 Unterhaching
• 089 67359530
• Hachingerbau.de

HI Wohnbau GmbH

Hi Wohnbau: The competent partner for the acquisition of quality residential property. The semi-detached villas with six rooms or the PAOSOPARK with condominiums in Munich-Passing are examples of current projects.

• Rating: 4.2 out of 5 (15 ratings)
• Seidlstrasse 23, 80335 Munich
• 089 20603300
• Hi-wohnbau.de

DOMINO Bau- und Handels GmbH

DOMINO Bau- und Handels GmbH stands for stylish and high-quality living with well thought-out room concepts and high-quality furnishings. Villas, semi-detached houses but also apartments are part of the repertoire. Current projects include an idyllic apartment building with seven units in Alperlach or six purist townhouses in Obermenzing.

• Rating: 5.0 out of 5.0 (9 ratings)
• Winzerstraße 47, 80797 Munich, Germany
• 089 3079220
• Domino-construction.com