FAQ: property financing

Nothing — my advice, the bank comparison and the financing request are completely free for you. The commission is paid by the financing bank, not by you. This is regulated by law and fully transparent.

I compare 500+ banks at once — your own bank only knows its own products. For investment properties in particular (listed buildings, QNG new builds), the choice of bank is decisive, because not every bank finances such objects. I know the specialist banks — and which ones to avoid.

The KfW application must be submitted before the purchase contract — this is the most common and most expensive mistake. I coordinate the correct order: KfW application first, then the purchase contract. For QNG new builds, up to €150,000 in subsidised loans plus a 25 % repayment grant is possible.

With 100 % purchase-price financing the bank finances the entire purchase price. You only contribute the transaction costs as equity — depending on the federal state, 8–15 % (property transfer tax, notary, land registry). Bavaria is particularly favourable at 3.5 % transfer tax. Requirement: very good creditworthiness and proven net income from roughly €3,500.

If your fixed-interest period ends within the next 2–3 years, you should act now. In most cases switching banks (debt restructuring) is cheaper than a prolongation with your current bank. Even 0.5 % less interest can save thousands of euros over the remaining term. I compare free of charge for you.

Yes — in many cases the listed-building depreciation (§7i EStG) and the KfW energy loan 261 are combinable. This increases the financing advantage considerably: tax savings through depreciation + a low-interest KfW loan + a possible repayment grant. The exact combination depends on the property — I check this for you.

Yes — almost all federal states have their own development banks with programmes that are often combinable with KfW: L-Bank in Baden-Württemberg, LfA Förderbank in Bavaria, NRW.BANK in North Rhine-Westphalia, WIBank in Hesse, SAB in Saxony (especially relevant for listed buildings in Leipzig/Dresden), IFB Hamburg, NBank in Lower Saxony and others. Combining both pots — KfW + state funding — can save considerably more. I check for each property which programmes apply and submit the applications in the right order.

With complete documents, a financing commitment usually takes 3–10 working days. I prepare all documents and submit them to the right bank in the best possible way. For time-critical purchase decisions I can also arrange a fast preliminary enquiry.