38.5% DEPRECIATION OVER 4 YEARS WITH KFW 40 QNG

Your own home is full of memories, but your needs change as you get older. Is my property still right for me? Should I convert it to make it barrier-free, sell it, or perhaps rent it out to supplement my pension?

In times of volatile financial markets and ongoing 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 capital investment. But what should you look out for when buying a multi-family home? What factors influence the return on investment? And what tax aspects need to be taken into account? Our comprehensive guide provides valuable insights and practical tips for your investment in apartment buildings.

A conversation at the kitchen table can sometimes shed more light on things than hours of online research. This 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, understandable way, with a touch 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 are already looking forward to a considerable profit. But before you realize this profit, you learn that capital gains may be taxable. This is 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 flexible living solutions that offer the opportunity to share their home with their family while still enjoying their own personal space—this 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 life change. Yesterday, the children were still sitting at the breakfast table with you, but today many rooms are unused. Or perhaps you are delighted to have more adorable offspring, but unfortunately your home is not growing with you. Whatever the case, your own four walls simply no longer suit your life situation and your needs. And in the tight real estate market, you can't easily find a more suitable home. As described above, this is the case for many homeowners.

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 in the law on the so-called MoPeG (Modernization of Partnership Law), which led to the introduction of the eGbR. The eGbR is a GbR that is entered in the register of companies. Registration gives the eGbR legal capacity. This means that it can independently conclude 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 promotional loans. The Kreditanstalt für Wiederaufbau (KfW) offers a wide range of promotional programs to support the purchase, construction, renovation, and modernization of residential property.

Last year, the real estate market experienced increasingly tense dynamics: rapidly rising interest rates, a lack of equity (now necessary due to high interest rates), and purchase price expectations based on the low-interest phase that were no longer compatible with current market developments.

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."