Equity: Use for own benefit and capital investment

To finance a property, the bank requires a certain amount of collateral. The better your credit rating, the less equity you have to put up. When buying the first property, two basic rules apply for personal use and capital investment.

• Self-interest = As much equity as possible
• Capital investment = As little equity as possible

The equity subtracted from the total investment sum results in the loan sum required from the bank. This loan is paid back by a monthly repayment, including interest.

What is important in the repayment?

• Capital investors: Interest can be deducted for tax purposes
• Owner-occupier: interest cannot be deducted for tax purposes
• Repayment: Repayment + interest for loan amount

Owner-occupiers: High equity

With this type of real estate purchase, the interest on the financing cannot be deducted from taxes. To keep the interest as low as possible in the end, it is worthwhile to bring in as much equity as possible. So the bank has a lower risk with your financing and the lower the interest is calculated.

• More equity, the better the conditions
• At least 20% equity for owner-occupiers

Cost per month for own use

In general, for financing a property, the cost of the loan should not exceed 40% of disposable income. In addition, one should keep in mind that the costs and interest rates can change. Just as quickly as the interest rate can change the cost of managing the property, such as water, electricity and gas.

• Self-interest < 40% of income (net, after tax)
• Interest and management costs may change

Capital investment: Lower equity

If you buy a property as an investment, you can fully deduct the interest on the financing from your taxes. If the rental yield is sufficient, even the tenant pays off almost completely on his own. However, surpluses generated from the return must be taxed, which is a major disadvantage.

• Interest is deductible
• Tenant pays interest through sufficient return on investment
• Less than 10 – 15% equity for capital investment

Rolling equity

Simply explained, rolling equity means that you get your investment of equity paid out as soon as the repayment at the bank is paid off. So in short, how do you get your invested equity out of a real estate investment as quickly as possible? To achieve this, there are two ways.

Two options:

• Restricted equity
• Full financing

Restricted equity

With this equity investment option, the equity is tied up until the property is sold, which means that you cannot access the equity during this time.

Sample calculation:

• Investment costs (purchase price plus ancillary costs): 250,000
• Equity after bank (15%): 37,500
  _____________________
• Loan amount: 212,500
• 32,500 euros committed as equity

Full financing

In this case, it is agreed with the bank that the purchase price including ancillary costs will be financed in full. The equity capital is invested in an extra account or securities account as collateral, which is released as soon as the repayment of the loan reaches the level of the equity capital.

Sample calculation:

• Investment costs (purchase price plus ancillary costs): 250,000
  _____________________
• Loan amount: 250.000

Additionally:

• Assigned collateral (account or deposit): 37,500

The next step: commercial examination

You have determined your maximum purchase price and are now faced with the commercial check, so that the previously determined and determined budget is adhered to. This audit is particularly important for the purchase of the first property such as apartment or house, that thus unnecessary costs and mistakes in the purchase of real estate are avoided. This audit includes not only the cost, but also the inspection and defects by year of construction and maintenance of a building. Read everything about the purchase audit here!

Self-disclosure for the bank

Before determining the required equity capital, you should provide the bank with a self-disclosure about your financial situation. You can find out what this means here!

You want to buy your first apartment or house and the bank wants a self-disclosure from you? Learn here what a self-disclosure is, what it says and download a free PDF template that you can use to convince your bank!

• Self-disclosure

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

Expensive housing: Self-interest becomes a disadvantage

Financially, the personal use of a property is certainly not the best idea. In order to secure one’s financial situation with real estate, it is better to consider the property as an investment – unless a property has a special emotional value for you for personal use! Why this is so, you will learn here.

Disadvantage Self-interest: Negative cash flow

To begin, what does self-interest mean to me?

• As an owner and owner-occupier, you always pay 100% of the operating costs yourself.
• You get neither money from the tax office, nor from potential tenants
• So self-interest means constant expenses and no income
• Credit rating decreases due to higher risk

Advantage of real estate as an investment: Positive cash flow

Real estate as an investment brings you clear advantages. Find out what they are here:

• All costs and expenses are borne primarily by the tenant and the tax office
• With a good return, the investment property almost pays for itself
• Interest is tax deductible
• Credit rating increases already after the 1st year

Buy and rent real estate: Security for old age

You have bought your first property and decided to invest. Great, then almost everything runs by itself! Here we have an example for you.

Example: Purchase of a condominium for 250,000 euros

• Property is purchased with financing from bank
• Tenant pays 1,000 euros a month
• Tenants pay thereby: Interest, redemption, modernization
• Tax office helps through deductible costs and tax relief
• Gross rental yield (annual rental income divided by purchase price) becomes a steady source of income
• This increases the credit rating, which favors the purchase of a 2nd and 3rd property

Still not quite convinced? Read more about owner-occupation and capital investment here/ Immobilien-Erfahrung.de

Conclusion: Personal use vs. real estate as an investment

In this article, you have learned a lot about what it means to invest in self-interest or in a capital investment. Here we’ve put together our conclusion on what we think is the sunniest way to invest in real estate.

• Self-interest – Negative cash flow; you pay all ongoing operating and maintenance costs yourself, no one participates in them
• Capital investment – Primarily tenants and the tax office pay off your expenses, your credit rating increases and thus provides you with a basis for your real estate portfolio.

On both sides, increases in value can be seen, but once the purchased real estate is paid off, you have a constantly running source of income with it. For you, this means a carefree and, above all, rent-free life in old age!

Next step: return on investment or investment property?

You have decided: Finally buy your first own property! But am I buying an income property or an investment property? But what is it anyway? What is the basic difference between these two types of investment? And what exactly is an A, B or C location? The most important thing is that both types of investment generate profit for you. In which form, you can read here. Here you will learn everything you need to know about the return and the investment of a property.

Saving or investing? – What do I do with my money?

You have two options for building up wealth. Either invest money or invest money. If you rely on real estate as a capital investment, your financing will “reduce” itself over the years, and this way also offers protection against inflation.

Here we have summarized the decisive advantages of real estate as an investment:

• Real estate is stable in value with inflation
• Inflation “reduces” your loan

Source: Asset building/ Real estate experience.com

Money investment and value investment in comparison

Let’s look here at the investment of money in the bank and the investment of value as real estate in comparison, with its impact on the loan.

1. Investment: Savings book, Riester pension & Co.
2. Investment: Real estate as a form of investment
3. Loans: steady reduction due to inflation

Investment: Savings book, Riester pension & Co.

The typical forms of investment are still present. Not much has changed in society’s savings behavior in recent years. Many blindly invest their money in the bank in the form of building society savings contracts, Riester pensions or endowment life insurance policies. Often, people save and, due to interest rates and inflation, receive almost less money than they paid in.

• Interest and price increase are credited to you
• Loss of value due to inflation – amount of money remains the same or even becomes less

So, simply put, 10,000 euros will always remain 10,000, as described above.

Real estate vs. savings book: Who wins?

Even in times of crisis, real estate is considered a safe investment. It is stable in value in the event of inflation and even your loan can be positively affected by a depreciation of money, so you can sell your property later for twice its value.

• 10,000 Euro savings account after 30 years: 10,000
• 10,000 Euro Property after 30 years: 20,000

Reduce loans: Inflation as your best friend

Due to the devaluation of money, the value of your property is constantly increasing. So what happens to your loan?

A quick look at a loan taken out:

• 10.000 Euro credit today, are also later still 10.000 Euro

If you have already rented out your property, all the better! Due to inflation you get steadily more rent, and continue to pay off your loan through your passive income.

• 2020 = 350 Euro rent / repayment 300 Euro
• 2035 = 460 Euro rent / repayment 300 Euro

Don’t think so? Look it up yourself: Inflation Table

Source: Asset building/ Real estate experience.com

Conclusion: Real estate as a money pit

In the long run, real estate is a real goldmine. In addition to the return earned through rent payment and profit on sale through appreciation, the amount of income increases thanks to inflation. So your repayment of the loan becomes easier and easier.

Here again our most important points summarized:

• Real estate is stable in value with inflation
• Property can be sold later for double the value
• Investment: loss of value due to inflation – amount of money remains the same or even becomes less

The next step: real estate for retirement provision

In our last article on wealth accumulation, you already learned what inflation means. Here we will show you the effects of inflation on your future pension. Here again the question arises whether real estate is not the better way to provide for your old age than an investment in the bank or the statutory pension plan. In this article, we compare your three alternatives to show you the best way to stop worrying about your assets in old age.

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Learn from the experts. You can find many, many more guide articles for free at Lukinski. Here you can learn everything you need to know about buying real estate for free. Start in general with buying real estate, go over your specific type of real estate, from apartment, to house, apartment building to buying land. In addition importantly, everything around sales contract (who pays the costs?), purchase additional expenses and taxes save with real estates. by legal forms such as a real estate GmbH or family donation. You lack equity capital? Here you can find a comparison of real estate financing. Finally, it’s all about buying and renting as well as letting.

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Buying your first apartment – without prior knowledge

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Before we get to the book recommendations for real estate rentals, here are 3 tips on the topic: Learn for free on Lukinski, we have video tips on Youtube and for those who want to become real estate investors, another look at the topic of taxes, because the more money you make by renting out houses and condos, the more taxes you pay. The more knowledge you build up about renting and taxes, the more equity you have for future investments as a landlord and real estate investor.

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Real Estate Financing Guidelines

Financing real estate made easy! We have compiled tips, tricks and the most important information on the subject of real estate financing for you, so that you too can realize your dream of owning your own home! Do’s and Don’ts, tips and experiences from experts will guide you and answer all your questions about “How to finance a property”. Become a professional and make no more mistakes in the future!

Real estate financing and purchase (external & free of charge)

Learn from the experts. You can find many, many more guide articles for free at Lukinski. Learn everything you need to know about buying real estate for free. Start in general with buying real estate, go over your specific type of real estate, from apartment, to house, apartment building to buying land. Also important: everything about the purchase contract (who pays the costs?), incidental purchase costs and saving taxes with real estate, through legal forms such as a real estate GmbH or family foundation. Here you can go directly to the topic: Real estate financing in comparison.

Tip! Overview Real Estate XXL

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 & Video Tips Overview: Real Estate

Real estate financing: the right strategy for capital investors

Rating: 4.5 from 5.0 (53 ratings)

The secure way to tailor-made financing: For owner-occupiers of a property, it is all about the favourable financing of the property. For capital investors, it’s about the best possible financing conditions for the rented property. With this pocket book you will find out which financing plan is suitable for you. The guidebook answers all the important questions about money for a house or apartment, whether for the initial financing, a modernization or follow-up financing.

• Income and equity ratio: how much house can you afford?
• Interest rate strategies: How long are you tying yourself down for, and which lender has the lowest mortgage rates?
• Repayment Strategies: As an owner-occupier or landlord, what repayment percentage is best for you to choose?
• Financial aid: How do you use money from the KfW and Wohn-Riester when financing your own home?
• Buy at Amazon

Real estate financing without equity

Rating: 4.3 from 5.0 (40 ratings)

In this guide, you will learn how you can fulfill your dream of home ownership, even if you do not have any equity today. Do not hesitate and deal with the topic of home ownership today. Even if you think real estate is expensive, it won’t get any cheaper in the medium term. The longer you pay rent, the more expensive it will be for you in the end.

Why should you look into buying an owner-occupied property right now?

• Interest rates are at an extremely low level, making financing very favorable
• Real estate, like all tangible assets, is protected against inflation.
• Very often the monthly charge as a tenant is higher than paying off your loan
• Real estate is the ideal retirement provision
• You actively build up your assets through monthly repayments

Also learn in this book

• How to be perfectly prepared for bank interviews
• How to improve your Schufa score
• What grants you may be able to apply for
• Why a granny flat will make you debt free sooner
• How you can get equity from relatives without them having to give you a single euro
• Buy at Amazon

Practical guide to real estate acquisition and financing

Rating: 4.4 from 5.0 (45 ratings)

The practical guide is written for all those who want to buy or build their own (credit-financed) property in Germany. The author presents the topic in a clear and easy-to-understand manner, introducing both legal and economic issues in a concise and detailed manner. The contents are illustrated by examples with concrete calculations and references to the current legal situation. The calculation tool helps to determine the actual costs of loan financing.

• Buy at Amazon

Real estate practice manual for owner-occupiers

Rating: 4.8 from 5.0 (27 ratings)

Buying, building and financing your own home are long-term and far-reaching decisions. In this guide, you’ll find comprehensive information and checklists for buying a used property and building a new one on your own. As a bonus, an Excel calculator tool for real estate loans is available. With this guide, you will be able to organize the purchase and financing well and avoid expensive mistakes.

From the contents:

• Purchase of a second-hand property
• Buying a new property from a developer
• Purchase of a plot of land & construction on own account
• Special features when buying a condominium
• Purchase in the compulsory auction
• Strategies for intelligent financing with loans & equity
• State subsidies for home ownership (e.g. Wohn-Riester)
• Calculation tool for loan financing
• Buy at Amazon

Real estate financing for owner-occupiers

Rating: 4.6 from 5.0 (54 ratings)

Real estate is still considered a solid investment. Interest rates are low, prices vary greatly from region to region. And the small print in banks’ loan agreements is becoming increasingly complex. To see through the pitfalls of buying a house, you need expertise. This book will help you develop it: in estimating the purchase price, in structuring the sales contract, and in financing. In the end, you’ll negotiate smartly and on equal footing with sellers, realtors, and banks to get the best outcome for your family.

“This is by far the best book on financing your own four walls that I have read. Anyone who reads this book and heeds its advice is sure to save a lot of money and, most importantly, avoid unnecessary risks. Anyone who thinks they don’t need this book has only themselves to blame.”
Dr. Rainer Zitelmann, real estate investor, founder of the consulting firm Dr. ZitelmannPB. GmbH

• Buy at Amazon

Real estate financing: Understanding banks

Rating: 4.3 from 5.0 (26 ratings)

What is the best way to prepare for a real estate purchase? What do you need to consider when financing? There are many books and financial magazines on this topic, but this guide is different. With this book you get a practical guide to the topic of real estate financing. In an entertaining and reader-friendly way, the author succeeds in explaining the pitfalls of real estate financing in a simple and understandable way. With the help of many practical examples, Dirk Nopp clarifies even the most difficult topics and explains technical terms in such a way that even laymen understand them.

• Buy at Amazon

Construction financing guide

Rating: 4.6 from 5.0 (4 Reviews)

This book helps with the important question of financing:

• How do I draw up a budget?
• How do I calculate the monthly charge?
• What additional costs should I expect?
• How much real estate can I afford?
• After how many years will I be debt free?
• What financing options and loans are available?
• What do all the financial terms mean?
• Buy at Amazon

Construction financing: The best way to a house or condominium

Rating: 4.2 from 5.0 (7 ratings)

The foundation stone for your own four walls!

Important building block for old-age provision, independence from landlords – owning a property offers a number of advantages. That’s why many people dream of owning their own house or condominium. To ensure that the dream does not turn into a nightmare, the financing must be on a solid footing – because the decision to buy usually means an economic burden that lasts for decades.

This guidebook supports you on your (financing) way to your own property Well structured and understandable, it answers, among other things, the questions:

• How do I calculate the cost of purchase or construction?
• How do I determine my financial resilience?
• Which type of construction financing is most favorable for me?
• How can I benefit from the Wohn-Riester subsidy?
• With many tips, examples, checklists and the “ABC of construction financing”.
• Buy at Amazon

Related links about the topic Real estate

The real estate financing is now covered quite extensively for you, but you are still looking for more literature on the topics of renting property, real estate agents or passive income? Here you will find more book tips for you.

Let property

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 these books so you don’t make any mistakes!

• Video Tips: Rent out property
• Book recommendations: Renting a property

Real estate agent

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 guides with how-to’s on getting started in real estate. Our guides to success in the real estate industry

• Video Tips: Real Estate Agent
• Book Recommendations: Real Estate Agent

Passive income through real estate

Passive income – Some people are considering it, or have already done it: buy a property and rent it out. By doing so, they hope to generate passive income. You can find information on the subject in these book tips.

• Video Tips: Passive income
• Book recommendations: Passive Income

Overview real estate XXL: Investment, broker, renting & Co.

Here you get back to the overview of book and video recommendations on the subject of real estate in Germany. Investment cases, capital investment, passive income, house or apartment buy and rent and much more is explained to you here by experts and understandable. In this XXL guide you will find information and articles on the most diverse questions on the subject of real estate.

• Back to Book & Video Tips Overview: Real Estate

Real Estate Financing Guidelines

Financing real estate made easy! We have compiled tips, tricks and the most important information on the subject of real estate financing for you, so that you too can realize your dream of owning your own home! Do’s and Don’ts and tips and experiences from experts will guide you and answer all your questions about “How do I finance (m)a property”.

Real estate financing and purchase (external & free of charge)

Learn from the experts. You can find many, many more guide articles for free at Lukinski. Learn everything you need to know about buying real estate for free. Start in general with buying real estate, go over your specific type of real estate, from apartment, to house, apartment building to buying land. Also important: everything about the purchase contract (who pays the costs?), incidental purchase costs and saving taxes with real estate. through legal forms such as a real estate GmbH or family foundation. Here you come directly to the topic: Real estate financing in comparison.

Tip! Overview Real Estate XXL

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 & Video Tips Overview: Real Estate

Common mistakes: tips for doing better

Many people who want to finance their property make the same mistakes over and over again. What these are and how you can avoid them is explained to you in the following videos by experts. In these videos, you will learn how to strategically approach your real estate financing in the best possible way and how to optimally save money! In addition, you will learn what you should definitely consider when financing your property.

5 mistakes in construction financing

This video is about the 5 biggest mistakes in home financing. You should definitely watch the video if you are about to make your first purchase. With small tips you can often save a lot of money. This in turn determines in the end whether a property is really worth it.

Construction financing: What you should pay attention to

Here you will learn what you should pay attention to when financing a property. Equity, repayment and interest: Here you will find an explanation of how these parameters are put together for optimal real estate financing.

Building savings contract for real estate financing: Mistakes

Home loan financing – Poorly planned home loans can ruin families. What the consequences of a badly planned financing or a building society contract are, is explained in this video. You will also learn how you can avoid this yourself.

Real estate financing without equity

You want to finance a property because it is your dream or the circumstances are currently perfect, but you don’t have enough equity to finance it? No problem! That’s how some investors feel, but that shouldn’t stop you. In these videos, you’ll learn how – even without providing any equity – you can finance your property without going into debt.

Financing real estate with little or no equity

How do you finance a property with little equity? Is that possible at all? What is legal, what is not? What does the bank say if I have little equity? What are the misconceptions about particularly cheap properties? This and more on the subject of equity you will learn in this video.

Financing real estate without equity

In this video, we talk about construction financing issues, such as real estate financing without equity. Especially the real estate financing is one of the most important building blocks in the long-term real estate economic success, here insider knowledge is very valuable.

Equity finance

Financing a property with equity is probably the most common way of financing a property. How this works, how much money you should actually take in hand and what you should absolutely consider, you will learn here. In addition, different options are presented to you in order to find and develop the financing strategy that is perfectly suited to you.

Equity share in real estate financing

How much money do you need to buy a property? This video explains how much equity is needed for a property, what forms of financing there are and why it makes sense to use as little equity as possible for the real estate investment.

Equity: How much do you need to have and how much should you put in?

Every one of us wonders: How much equity should I use for my property? In this video you will learn the basics of real estate financing. To be able to calculate equity, it is important to know what all equity is. This and other explanations you will find in this video.

Private real estate financing

Financing a property as a private person is possible, but not a simple matter. In this video you will learn how private financing of real estate works and what you should pay attention to. The whole thing is explained with everyday examples to make the information as accessible as possible.

How does private real estate financing work?

This video explains how traditional private real estate financing works. Based on simple everyday examples, the most important basic elements of financing are clearly conveyed.

Optimal redemption

Taking out a loan or credit to finance a property is a common method. In these videos you will learn more about real estate financing, interest rates, loan rates and the optimal repayment, With these tips you will also find the perfect loan to buy your next property without a guilty conscience.

Financing real estate: How much you should repay?

The real estate loan or real estate financing has a huge impact on whether a property works as an investment or a home works as an investment. Financing a property is therefore something you should definitely understand before buying. One important question to ask is how much to amortize or what is the optimal amount of amortization. This video explains whether you should pay off a lot / pay off quickly or pay off a little / pay off slowly and what role your personal situation plays in this. You will also learn how you can make clever use of unscheduled repayments and what repayments we have agreed on for our own apartments.

Construction financing: Purchase price, rate, interest & Co.: How much house can I afford?

In this video, you’ll learn what your own property may cost, how to determine the right loan rate, and how to get the best interest rate on your financing.

Bank interview – What documents do I need?

To finance your property, you may need a loan or credit. You can usually only get this through a personal interview at a bank branch. In this video you will learn which documents you need for your bank interview and how you can appear most serious and well prepared to emerge from the interview as successful as possible.

What documents you need for a bank interview

This video explains which documents you should bring with you for your bank interview for real estate financing in order to be optimally prepared. You will also learn what is really important for the perfect appearance.

Related links about the topic Real estate

Want to learn even more about buying, financing, renting, or real estate agents? Then check out our other video tips and tricks on these topics to become a real estate pro!

Build property

To build or to buy a house? This question is on the minds of many prospective buyers. In this article, 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. In an existing property, you no longer have to deal with the complicated construction phases and you can live in your own home much faster. Here you will find videos that will help you finance your dream home and explain to you what you should pay attention to.

• Video Tips: Build property
• Book Recommendations: Building real estate

Buy and rent real estate

Buying and renting real estate – It’s hard to get started, but with the right recommendations and tips, it’s easy. So that you too can make a smooth start in the world of real estate, we provide you with tips and tricks. Everything from how to prepare to buy your first home, to finding the right rent, to solving problems like rent default and vacancy. This guide provides you with the best videos from the field of buying and renting real estate.

• Video Tips: Buy and rent real estate
• Book Recommendations: Buying and renting real estate

Overview Real Estate XXL: Investment & Co.

Here you get back to the overview of book and video recommendations on the subject of real estate in Germany. Investment cases, capital investment, passive income, house or apartment buy and rent and much more is explained to you here by experts and understandable. In this XXL guide you will find information and articles on the most diverse questions on the subject of real estate.

• Back to Book & Video Tips Overview: Real Estate

Entry into real estate investment

Investing in real estate – whether a house or apartment, penthouse, apartment, maisonette, villa, terraced house or bungalow – always seems to be a good investment at first glance, but in order to actually make a profit and at best generate passive income, you need some know-how. Before all, you need to know which mistakes you should avoid at all costs. In our video list on the subject of real estate investment, you will learn exactly this necessary know-how and you will be explained what mistakes ignorant investors often make, to do it better yourself. Get inspired and become a professional investor!

Before we get to the video recommendations for real estate investing, here are 3 tips on the topic: Learn for free on Lukinski, we have book recommendations and for those who want to become a real estate investor, another look at the topic of taxes, because the more money you make, the more taxes you pay. The more knowledge you build up here, the less taxes you pay and the more equity you have, for your investments.

Buy, finance and invest (external & free of charge)

Online you can find a lot of articles and tips on Lukinski.de. Here you can learn everything: from tax basics for asset accumulation, to real estate as an investment through renting, to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Real Estate XXL

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 & Video Tips Overview: Real Estate

Tax Coaching for Landlords / Investors: Field Report

If you write about real estate, you have to educate yourself. More concretely, when it is no longer just about personal use, but also about renting. Because, the biggest item on the expense side is taxes. The more you earn, the more taxes you have to pay – the problem is clearly defined, what to do? Learn from experience, from those who have made it. Many say that the Next Level Tax Coaching is the best in Germany. Reason enough to take part yourself. You want to become a real estate investor yourself?

Read more about tax coaching here:

• Coaching in tax optimization

Entry as a real estate investor

All beginnings are difficult – especially with such a capital-intensive topic as the purchase of a property. There are many factors to consider. Whether it’s about financing, the most common mistakes or the question of whether renting is even worth it: In these videos, you’ll get answers to the most common questions about real estate as an investment.

Start in the first property

Here you can find out how to get started with the best tips for owning your first property. What is the best way to start, and with what – apartment or house? When can you expect profits and how does a house purchase work? Two professionals tell you about their first steps as real estate investors.

7 ways to invest in real estate

In this video, you’ll learn the 7 best ways to invest in real estate:

1. Home
2. Rental properties
3. Closed-end real estate funds
4. Open-ended real estate funds
5. Real estate shares / REITs
6. Real estate equity funds (active)
7. Real estate equity funds (passive)

Buy first apartment

How do you actually get started? How do you buy your first home? In this video, a professional investor explains how to get started in the world of real estate investing.

Let property

You have a property and are thinking about whether renting it out is really worth it? Of course, as an investor, you want to make a profit in the end. How to do that and when renting out a property is really worthwhile, you will learn in the following videos.

Is it worth renting?

Interest rates at record lows, high property prices: Isn’t it worth buying a rented property as an investment? This video will show you whether the calculation “the tenant pays off the installments to the bank” works. How you can best rent out your property and how it can function as a real investment is explained here for you.

Rent or buy ETFs?

What’s more worthwhile: buying a property and then renting it out – or using the money to buy ETFs? In this video, we’ll run through 6 scenarios for you to decide which investment strategy works best for you.

Errors and tips

Mistakes can always be made, but especially when it comes to real estate investment, these mistakes can be costly. To avoid this, the most common mistakes in real estate investment are shown here. With these tips, hopefully you will no longer fall into an expensive investment trap.

Avoiding mistakes when buying real estate

Alex Fischer explains in this video what you have to pay attention to when financing real estate, the location, size and type of the apartment and which rules you should absolutely follow for owner-occupied real estate as well as for capital investment. Don’t make the same mistakes as other investors and save time and money with these tips for your next real estate investment.

9 typical mistakes

Making mistakes when buying real estate can have serious consequences. What to look for when buying real estate is therefore a central question that you should ask yourself when buying real estate as an investment. How you can avoid mistakes when buying real estate is shown in this video. For example, it is about the choice of location, the calculation or the rental model.

Financing: Save on credit, repayment and taxes

A property is often an immense investment. Very few people can finance this out of their own pocket. But which type of financing is the best and most efficient for you, your situation and your property? And should you have taken out a loan or credit, what is the best way to organise repayment? Is there possibly even a way to save taxes in the process? These questions are adressed in detail in the following videos.

Real estate as an investment

Real estate as an investment – sounds easy, but unfortunately it’s not that simple. What advantages a property as an investment can have, however, if you do it right and know your way around, you will learn in this video.

Save taxes

With the right knowledge, you can save a lot of taxes with your real estate. Watch the video to learn what expenses can be deducted on your tax return, so you can use your strategy to grow your investment and ideally reinvest the money you save.

Repayment: which rate is optimal?

The real estate loan or real estate financing has a huge impact on whether a property works as an investment or a home works as an investment. Financing a property is therefore something you should definitely understand before buying. One important question to ask is how much to amortize or what is the optimal amount of amortization. In this video you get exactly the right answer.

Related links about the topic Real estate

Are you wondering how to buy, sell, rent or finance a property? What exactly does a real estate agent do? If you’re looking for answers to these questions, check out our advanced book lists with recommendations and reader reviews on real estate!

Tax return: instructions, tips & guides for students, pensioners, professionals

Why, why, why are tax returns so important? Not only professionals, but also students or pensioners can benefit from a tax return. If you have never deducted anything from your taxes and have no previous knowledge, you can get super informed in our tax return guide. We show you tips and tricks on how to avoid mistakes and provide you with tutorials that will help you with your first or next tax return. If you want to know even more, then we have a great article on the tax basics: income, sales & Co.

• Video tips on the subject of tax returns
• Book recommendations on the subject of tax returns

Real estate agent

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 guides with how-to’s on getting started in real estate. Our guides to success in the real estate industry

• Real estate agent: Book recommendation
• Real estate agent: video tips

Overview Real Estate XXL: Investment & Co.

Here you get back to the overview of book and video recommendations on the subject of real estate in Germany. Investment cases, capital investment, passive income, house or apartment buy and rent and much more is explained to you here by experts and understandable. In this XXL guide you will find information and articles on the most diverse questions on the subject of real estate.

• Back to Book & Video Tips Overview: Real Estate

Buying real estate – tips and tricks for buying a house

Here you will find everything you need to know about buying real estate. From the search to the resale, we accompany you with our checklists and plans. Whether you are buying a house or an apartment, here you will find the information that will prepare you perfectly. The following books will surely help you with your first or next real estate purchase. Enjoy reading.

Tip! Overview Real Estate XXL

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 & Video Tips Overview: Real Estate

Buying mistakes

Buying or investing in a property is a big step. In the process, you can make a lot of small mistakes, but also bigger ones that can potentially cost you a lot of money. In these videos you will learn which mistakes are most often made when buying real estate and how you can avoid them to save as much money as possible on your real estate purchase!

That’s what you have to watch out for!

You want to buy a property but don’t want to make any mistakes when investing? The following video explains what you need to pay attention to when financing real estate, the location, type and size of the apartment, etc., and which rules you should absolutely follow for both owner-occupied real estate and capital investments! In addition, you will learn more about the risks of special real estate, how important the amount of the contractually fixed repayment and the consideration of your own future planning is!

9 typical mistakes when buying real estate

Making mistakes when buying real estate can have serious consequences. “What to look out for” is therefore a central question when buying real estate. How you can avoid mistakes is shown in this video.

• The first of many real estate mistakes is certainly that you are not purposeful in your site selection.
• Calculating correctly before buying is another point you should definitely take a closer look at.
• Have you found the right rental model?
• Do you consider interest rate risk before you buy?
• And have you found the ideal financing for you? A financing broker can help you with this question.
• The worst mistake we made when buying a property was not having any money in our bank account after the purchase. Reserves only build up after a certain time.

Buying your first own property

Have you been thinking about buying a house or an apartment for a while? Then you’ve come to the right place. However, buying a property is not as easy as it seems. Many things must be considered to really find the perfect property for you. Here you will find everything important about buying real estate. Our tips and tricks will help you get started with your first property.

Getting started with your first own property

Here we give you tips on what you need to buy a property in the first place. How much equity should you have for the planned investment? What does the bank expect from you as an investor? And how do I behave towards my bank advisor? You will learn all this and much more about this topic in this video!

Buying real estate step by step

In this video, the most important steps in buying real estate are explained to you. This will give you more clarity and allow you to go full throttle with real estate! Here you will be shown in which order the individual steps are to be carried out and what priority they have. Plus, you’ll be given some real-world tips for each step that will give you more confidence. Have fun with this video.

Procedure when buying a house

With the following video we would like to answer your questions about buying a house and give you a little guidance on what to do if you want to buy a property that you have viewed.

• What happens after the tour
• What do I have to do if I like the house
• How often can I visit the property
• What documents do I need for the bank and where to get them
• When do I get the key
• … and much more!

How to buy your first apartment

Becoming a real estate investor, buying and renting out apartments and living off the returns – that’s it! But how do you actually get started? How do you buy your first apartment? How you can take your first steps into the real estate business, tells you in this video real estate professional investor Gerald Hörhan.

Identifying the right purchase price of a property

In this video, you will learn what options you have to quickly value real estate, how to recognize the correct purchase price of a property and what special features there are so that you don’t pay too much for your property!

The right time to buy real estate

Buying a property is basically a good idea – but when is actually the right time? Does it make sense to buy a property as a trainee or student, or would it be better to wait? And is the real estate boom perhaps over again? Find answers to these questions here.

Buy property as a student or trainee

Is it possible to get a real estate financing as a student/pupil? Surely it will be difficult if you want to convince the bank as a student or trainee. Especially if your credit rating with these starting conditions is not yet so good and you want to approach a real estate financing with little equity or even completely without equity. Without the guarantee of a parent or relative, we say that it is even simply impossible. If you want to be successful with residential real estate, you need a lot of information, you need to know where and how to look later. Experiences and exchange offer you the optimal entrance into the real estate.

Still buying real estate now?

All of the studies conclude that the real estate market weathered the Corona Lockdown very well – except for one. In the video, we talk about how new evidence shows that there was definitely a price collapse in the market. Still, there are positive signs going forward that the German real estate market could continue to pick up. You can find all the details in the video.

Real estate financing

How do you finance your property in the best possible way? And ideally without equity? Should you buy or rather rent? Find answers to important questions on the topic of im

Buy property without equity

We usually recommend 100% financing or full financing. In principle, a real estate financing without equity. However, a full financing without equity or buy property without equity also includes that the incidental costs are financed. Since these are no countervalue, we see this approach, however, as critical if you do not buy particularly cheap. Such a property financing without equity has a significant impact on the return on equity of real estate. In this way you make optimal use of the leverage effect. That’s why we recommend financing no less than 80% of the purchase price as a rule.

Buy or rent?

Paying rent is money wasted. Whether there is any truth in this statement and what makes more sense from a purely financial point of view – buying or renting a property – is explained in the following video.

Related links around the topic Real Estate

Haven’t learned enough yet? We’ve covered many areas of real estate for you with our video tips. For example, areas such as: Real Estate Financing, Renting Property, Finding the Right Realtor, Passive Income through Real Estate and much more. Take a look and become a real estate professional!

Real estate investment

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.

• Video Tips: Real Estate Investment
• Book Recommendations: Real Estate Investment

Build property

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
• Book Recommendations: Building real estate

Overview Real Estate XXL: Investment & Co.

Here you get back to the overview of book and video recommendations on the subject of real estate in Germany. Investment cases, capital investment, passive income, house or apartment buy and rent and much more is explained to you here by experts and understandable. In this XXL guide you will find information and articles on the most diverse questions on the subject of real estate.

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