38.5% DEPRECIATION OVER 4 YEARS WITH KFW 40 QNG

My home is full of memories, but as I get older, my needs change. Is my home still the right fit for me? Should I make it accessible, sell it, or perhaps rent it out to supplement my retirement income?

In times of volatile financial markets and persistent inflation concerns , more and more investors are looking for stable investment opportunities. Multi-family homes have established themselves as a particularly stable and high-yield investment. But what should you look for when buying a multi-family home? What factors influence the return on investment? And what tax considerations should you keep in mind? Our comprehensive guide provides valuable insights and practical tips for your investment in multi-family homes.

A conversation at the kitchen table can sometimes shed more light on a topic than many hours of online research. That was certainly the case during our Kartheuser Kitchen Chat with mortgage expert Michael Meier. For over 20 years, he has been helping people on their journey to homeownership—with independent advice, a large network of banks, and a clear goal: to find the best possible financing for his clients. Let’s take a look together at the most important questions surrounding mortgage financing—in a practical, easy-to-understand way, with a dash of real-world applicability.

Imagine you bought a property as an investment nine years ago and now want to sell it. The selling price is significantly higher than the original purchase price, and you’re already looking forward to a substantial profit. But before you realize that profit, you learn that a capital gain may be subject to tax. This is exactly where the so-called “speculation period” comes into play.

Have you ever thought about moving into a multigenerational home with your parents? More and more couples with children are looking for a flexible living arrangement that allows them to share a home with their family while still enjoying their own personal space—an arrangement that offers both social and financial benefits.

Growing old together—that's the life plan of all couples who buy a property. In reality, unfortunately, this dream does not always come true, and at some point, the decision is made to go their separate ways. This is a truly stressful situation for both parties.

Times and lives change. Just yesterday, the kids were still sitting at the breakfast table; today, many rooms sit unused. Or perhaps you’re looking forward to welcoming even more little ones, but unfortunately, your home isn’t growing with you. Whatever the case may be—your home simply no longer fits your current life situation and needs. And in today’s tight real estate market, you won’t easily find a more suitable place to live. Many homeowners find themselves in exactly this situation.

Inheriting means saying goodbye to someone. For many people, inherited property is the first property they own. This often leads to feeling overwhelmed, because in the midst of mourning, it is difficult to deal with suddenly owning real estate.

Since January 1, 2024, the introduction of the registered civil law partnership (eGbR) has brought about far-reaching changes for the purchase and sale of real estate. This resulted from the law known as the MoPeG (Modernization of Partnership Law), which led to the introduction of the eGbR. The eGbR is a GbR that is registered in the commercial register. Upon registration, the eGbR acquires legal capacity. This means that it can independently enter into contracts, acquire property, and be represented in court.

Do you have big dreams of owning your own property, a modern home, or an energy-efficient renovation? Then you should definitely consider the wide range of options offered by KfW subsidy loans. The Kreditanstalt für Wiederaufbau (KfW) offers a broad range of subsidy programs to support the purchase, construction, renovation, and modernization of residential property.

Over the past year, the real estate market experienced a dynamic that became increasingly strained: rapidly rising interest rates, a shortage of equity (which had become necessary due to the high interest rates), and purchase price expectations based on the low-interest-rate environment that were no longer in line with current market trends.

Life in your own home is full of memories and emotions. Moving house is particularly difficult for older people to imagine. You don't want to give up your own home, you don't want to lose the neighbors and friends you've known for years, you want to remain your own "master."