KapitalAnlageImmoInvest in a rented flat in Germany, with advice in English.
You earn your income in Germany and pay German taxes. A rented flat can help you build wealth here, with the tenant and the tax effect helping to carry the cost. We check openly whether it fits your budget.
We have sent your result by e-mail. We will call you for a short first call in English, usually within one working day.
Your numbers first, then a flat. Not the other way round.
A rented flat is a decision for 20 years or more. That is why we check in this order.
Check your range
A few questions about income and equity. You see straight away which purchase price is realistic by typical bank criteria.
First call in English
About 15 minutes by phone. We clarify your situation, including your residence permit and how long you have been working in Germany.
Consultation
60 minutes by video. Your goals, the financing and a model calculation with rent, depreciation, interest and costs at your tax rate.
Decide
Viewing, financing, notary. Or the honest answer that it does not fit right now.
Why expats look at rented flats in Germany
Financing
Many banks finance employed expats, often with little equity and sometimes including part of the purchase costs such as notary fees and land transfer tax. What applies to you depends on the bank, your residence permit, your contract and your income. We clarify this early.
Tax effect
If you pay income tax in Germany, the costs of a rented flat, including depreciation and loan interest, can be set against the rental income. In the consultation you see this as a model calculation at your tax rate. Your personal tax situation is best checked with a tax adviser.
Location
Our flats are mainly in Leipzig, one of Germany's fastest-growing cities with strong demand for rented flats. You see the location, the rent and all documents before you decide.
Questions expats often ask
Do I need a permanent residence permit?
Not always. Many banks also finance holders of an EU Blue Card or other work-based permits, often with conditions such as a minimum time in Germany or a permanent employment contract. EU citizens are usually treated like German applicants. We go through your case in the first call.
Do I need to speak German?
No. The first call and the consultation are in English. The purchase contract is signed at a German notary; if you do not speak German well enough, a translation or an interpreter is arranged, as German law requires that you understand the contract.
What happens if I leave Germany later?
The flat stays rented and the loan continues. Whether this works for you, and what it means for your taxes, is something we look at openly before you decide. For tax questions we recommend a tax adviser.
What does it cost me?
The first call and the consultation are free. If you buy, the usual purchase costs apply, such as notary, land registry and land transfer tax. Everything is shown openly in your calculation before you decide.