Taxes & financing

Whether energy-efficient refurbishment, barrier-free conversion or new windows - modernizations increase the value and comfort of a property, but are often associated with high costs. Owners should therefore consider at an early stage how such measures can be soundly financed. Depending on the scope of the project, various models are available - from low-cost subsidized loans to flexible...

Many homeowners don't think about passing on their property until they are very old - but an early gift can bring many tax and family benefits. Whether it's a house, apartment or plot of land: those who plan early and transfer strategically protect assets, make multiple use of tax-free allowances and avoid disputes later on. However, a gift is not always the better option -...

Many homeowners who built or bought ten or fifteen years ago will soon be facing follow-up financing. This means that the previous fixed interest rate ends - and a new loan must be taken out. In times of fluctuating interest rates and changing market conditions, smart planning is particularly important now. If you act in good time, you can secure favorable conditions - and...

An undeveloped plot of land can increase considerably in value over the years - especially in growing regions. However, anyone planning to sell should not only think about the proceeds, but also keep an eye on the tax implications. This is because, under certain conditions, the sale of a property may be subject to tax. If you plan early and are aware of the legal deadlines, you can avoid possible...

Renting out a second property: Making clever use of tax advantages An additional apartment or a small vacation home can not only bring quality of life, but can also be advantageous from a tax perspective - especially for owners who are thinking about renting it out. Whether as a capital investment or as security for later phases of life: If you use the tax leeway wisely, you can make long-term...

The purchase of a second property - for example as a vacation home or investment - needs to be well planned. In addition to the choice of property, financing plays a decisive role. Buyers should know what banks require and what pitfalls to avoid. Equity capital: little is possible without it Banks usually require more equity capital for a second property than for a first purchase. 20...

Anyone investing in real estate - whether for rental or as a capital investment - can benefit from tax advantages through targeted depreciation. The so-called "depreciation for wear and tear" (AfA) reduces the tax burden and improves the return. But how does depreciation work and what should owners pay attention to? Basic principle of depreciation The acquisition costs of a property are...

Whether energy-efficient refurbishment, new windows or a barrier-free conversion - modernization measures can significantly increase the value of a property, but often cost more than expected. To ensure that the financial burden does not become a stumbling block, owners should consider various financing options. In addition to traditional bank loans, there are attractive subsidy programs that can save you money...

Self-employed people often have a harder time than employees when it comes to real estate financing. Banks assess the income situation of entrepreneurs, freelancers or tradespeople more strictly, as income can fluctuate. However, with good preparation, the loan can still be granted successfully. What documents do banks require? Self-employed people usually have to provide more comprehensive...

Which renovation costs are tax-deductible Property owners who invest in the modernization or renovation of their property can in many cases claim part of the costs against tax. The ability to deduct refurbishment costs depends on several factors, including the type of property, the use and the extent of the work.