Financing purchase costs in Germany
Bring 20 to 30 percent of the price plus the purchase costs as equity. The bank usually lends against the apartment, not the tax, notary, or agent.
Bring 20 to 30 percent of the price plus the purchase costs as equity. The bank usually lends against the apartment, not the tax, notary, or agent.
Hausgeld is the owners’ voted advance for costs and the reserve. Only the operating-cost share can be agreed with a tenant.
Kreuzberg is a locality in Friedrichshain-Kreuzberg. The difference from the next pocket often sits on the same street.
Prenzlauer Berg is a locality inside Pankow, not a borough of its own. Price follows the street, not an average for the name.
Buying an apartment in Moabit means an Ortsteil inside Mitte, not a market of its own. How the locations differ, and what buyers should check on the street.
Buying an apartment in Neukölln meets five localities. Northern Neukölln, Britz, Buckow, Rudow and Gropiusstadt are not the same purchase.
After more than 10 years, a private sale of German property falls outside section 23, so that gain is not taxed. Owner-occupation can exclude it sooner.
Taxes for landlords often start with depreciation: for many residential buildings with building permits issued after 2022, a 3% straight-line depreciation rate applies. What this means for interest, real estate transfer tax, and other related costs.
Is it still worth buying real estate in Berlin? Official purchase prices averaged €5,511 per square meter in 2025, here’s how to determine whether buying still makes sense for you.