Taxes & financing

How owners can benefit from tax advantages for renovations 

Property owners who wish to carry out renovations on their properties should not ignore the tax benefits that may result. These can make a significant contribution to reducing costs and lessen the financial burden during the renovation phase. Tax deductibility of renovation costsUnder certain conditions, many renovation costs can be...

Building up reserves for property owners: a guide to a secure future 

The financial security of a property is of crucial importance for owners in order to maintain the value and usability of the property in the long term. The creation of reserves plays a central role in this, particularly to cushion unexpected costs and to be able to carry out planned maintenance measures. Why reserves are importantReserves provide owners with the necessary...

Sustainable real estate financing: How owners can benefit 

Sustainability has long since become a key issue in the real estate industry. Owners who integrate environmentally friendly construction methods or technologies into their properties can not only help to reduce CO2 emissions, but also reap financial benefits. This article looks at how owners can benefit from sustainable investments. Funding opportunities for...

Financing modernization: What options owners have 

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...

A gift instead of an inheritance? When it pays to transfer real estate 

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 -...

Follow-up financing: How owners set the course early on 

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...

Selling a property: How owners can avoid tax disadvantages 

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...

Letting a second property: Clever use of tax advantages 

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...

Financing a second home: What banks expect - and what buyers should consider 

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...

Depreciating real estate: taking advantage of tax benefits 

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...

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