Real Estate
Do you dream of owning your own property - whether as a home or a profitable investment? The key to success lies in sound knowledge. Financing and investing can be complicated and mistakes can quickly become expensive. That's why it makes sense to rely on professional expertise right from the start.
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One of our real estate specialists is ready to guide you through the entire process and help you make the right decisions.
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Our experts in the field of real estate are your reliable companions on the way to owning your own property. They offer you comprehensive advice and valuable tips to avoid pitfalls. From checking your financial situation to a tailor-made financing concept - we support you throughout the entire purchase process.
Our Focus
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Comparison of various offers from several hundred lenders
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Individual financing concept
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Support with the application process
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Detailed examination of state funding options
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Prechecked portfolio of offers for investment properties
Real estate as an investment
Investing in real estate is one of the most stable and profitable forms of investment. They not only offer regular rental income, but also the opportunity to benefit from the increase in value of the property. With the right property and a sound strategy, you can benefit from long-term growth and passive income. Whether as a private pension or as part of a larger investment portfolio, investment properties offer security and an attractive return. Let our experts advise you on developing the right real estate strategy for your financial goals.
Key Facts
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Investment properties provide a steady source of income through rental income, often offering a stable cash flow yield.
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Real estate has the potential to increase in value over the years, which can lead to capital gains.
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Real estate investors can benefit from tax write-offs, such as the ability to deduct acquisition and maintenance costs.
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Real estate is considered inflation-proof, as rental prices and property values often rise in line with inflation.
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They offer an opportunity to diversify the investment portfolio and thus spread the risk.
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With the right financing, investors can benefit from credit leverage, meaning they can buy larger properties with relatively low equity.
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Compared to stocks or bonds, real estate offers a stable, less volatile investment that is particularly attractive to conservative investors.
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Investment properties require regular maintenance and management, but this can be optimized through property management companies or in-house management strategies.
Advantages
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Real estate is generally regarded as a relatively stable investment. While the monetary value of many investments can shrink quickly in times of inflation, the tangible value of a property is generally subject to fewer fluctuations.
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Under certain conditions, you can claim the financing costs as well as the expenses for maintenance and renovation against tax. Real estate investments can also be designed in such a way that they can be written off for tax purposes. It is best to ask your tax advisor about this.
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Living space is in high demand in many areas of Germany. This means that properties can steadily increase in value - especially in sought-after locations.
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One of the biggest advantages of buying a property is that you can rent it out. Ideally, you can use the regular income to pay off your loan and continue to build up your assets.
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With an investment property, rental income can be used to create an additional pension component.
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Rising interest rates and construction costs are making it difficult for many families in Germany to realize their dream of owning their own home. The demand for rental apartments is rising continuously. Additional living space can be created with an investment property.
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There are many opportunities for state subsidies, especially for new-build and listed properties.
Disadvantages
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The purchase of a property generally requires a considerable initial investment, both in the form of equity and ongoing financing costs such as interest and repayment.
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Real estate is a rather illiquid form of investment, as the sale of a property can take time and it is difficult to access the invested capital quickly.
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As a property owner, costs for maintenance, repairs and administration must be borne regularly, which can reduce the return.
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The real estate market can be subject to fluctuations that affect the value of the property. A poor market situation or changes in the local economy can lead to losses.
When does it make sense to invest in real estate?
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If you want to invest in a property, you should have a regular and secure income. When owning a property, unexpected costs can always arise, for which you should be prepared.
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To finance a property, it is necessary to have a certain financial cushion. Our experts recommend that you leave around 20,000 to 25,000 euros in reserves after financing. This buffer covers any costs incurred and protects against risks. Banks generally require a personal contribution of around 10 to 20 % of the purchase price for a loan. However, if you have a good credit rating, it is often possible to finance the full purchase price.
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If you are looking for an investment to “make a quick buck”, real estate is rather ill-advised. Rental income, value appreciation and tax advantages can lead to a good return over time. However, these benefits usually only accrue over years or decades and not months. Real estate is therefore suitable as a long-term investment for wealth accumulation or retirement provision.
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A property is a tangible asset that needs to be maintained. The time required to manage a property should not be underestimated. It is important that you are willing and able to manage this effort before considering such an investment.
Choosing the right property - the most important decision
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Location is one of the most important aspects. Is the apartment located in an attractive area with good transport links and good educational and employment opportunities? In such areas, rents are generally higher than in structurally weaker areas.
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A newer property is usually more expensive, but requires less maintenance and repairs. This can save costs and hassle. Apartments or houses in need of renovation, on the other hand, can often be purchased below market value. However, you still have to invest time and money in these in order to achieve a higher rental yield.
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The potential rental yield is an important factor when deciding on a property as an investment. A higher rental yield means more cash flow and therefore increases the profitability of an investment.
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A high yield can be achieved if the location of the property is not yet overcrowded, but is promising. It is therefore important to consider the current trends on the local real estate market: Are rental or sales prices in the region rising or falling? What developments could influence future real estate prices?
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The long-term prospects for the area are also crucial. A key aspect here is the demographic development of the location. What are the population development forecasts? Are new transport links, stores or residential areas planned? These could increase the attractiveness of the location and thus the potential rental income.
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Choosing the right property requires thorough planning and good expertise. It is advisable to seek comprehensive advice before buying. This way, you can ensure that all important factors have been taken into account as far as possible. A good, holistic concept is particularly important for newcomers to real estate. tecis will comprehensively examine the projects on offer for you and put together a high-quality offer.
Five steps to your dream property
Every real estate investment is individual. Our approach is designed to develop the best strategies for your specific situation. In seven steps,
we find a high-quality property that fits your personal financial and
needs profile:
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First of all, we carry out a thorough quality check of the properties in question to ensure that they meet the necessary requirements.
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We check the basic requirements of the planned investment, such as financial feasibility and legal framework conditions.
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Once all the requirements have been clarified, we select the right property for you to buy that meets your objectives.
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In the next step, we take care of clarifying the financing and support you in selecting the best financing options.
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Once the financing has been agreed, we arrange a notary appointment at which the purchase contract is signed. The property is then handed over.