Search results for: Real estate loans

Liability for real estate loans and equity financing with life insurance – banks, insurance companies and brokers are responsible for repayment

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Life insurance policies for the repayment of construction loans The combination of several financial products (e.g. building loan and life insurance, real estate loan and building society contract) promises the investor additional income through possible interest rate differences or tax savings, and at the same time additional commission for the agent. However, it is not […]

Liability for real estate loans

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. . and equity financing with life insurance Life insurances for the redemption of construction financing – The combination of different financial products (construction loan, life insurance, real estate loan, building society savings contract etc.) promises the investor an additional income through possible interest rate differences or tax savings, and at the same time additional […]

Early repayment of fixed-interest loans is often not permitted when selling real estate

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Why there is often no justified interest in premature termination of the contract   When selling real estate, the bank loans are usually repaid by the seller so that the property can be transferred unencumbered in the land register – with the existing encumbrances, the property would normally be unsaleable. The repayment of the loans […]

The real estate GmbH as a supposedly clever tax saving idea

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– Why smart private investors should give it a wide berth? – But woe, woe, woe! When I look at the end!!! (Wilhelm Busch, 1865)   Asset-managing LLCs are among the top topics of numerous podcasts penned by experts and professors. This construction is advertised, for example, with the fact that only 15% corporate income […]

Real estate and construction financing: We advise you on the ground!

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– Credit institutions are liable for failure in real estate financing duration until retirement age –   Credit institutions often finance real estate in the foreseeable knowledge that the property will not be paid off by the time the borrower retires. If a failure of the financing and thus a forced sale of the property […]

When real estate becomes junk real estate

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How do banks and insurance companies finance usuriously overpriced real estate? Scrap real estate is a topic for up to more than two million affected investors. The Investors’ Council says: “Only invest in investments that you understand yourself”. This applies to the timing of investments and the ongoing monitoring of capital investments. More often, experts […]

Repay fixed-interest loans early

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When selling real estate, the bank loans are usually repaid by the seller so that the property can be transferred unencumbered in the land register – with the existing encumbrances, the property would normally be unsaleable. The repayment of the loans is seen – merely – as a precondition for the bank to release the […]

House beats share – really?

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The Federal Court of Justice (BGH, ruling of 17.06.2016, file no. V ZR 134/15) decided that claims for damages could only begin to lapse if the investor can see, for example through the annual statement of account of the administrator or rental pool, what higher expenses are based on – in contrast to the advertising […]

Mistakes and pitfalls in real estate financing

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Unsound proposals by intermediaries and financial houses for investors and builders In the last three decades, around one million German citizens have had a de facto junk property sold to them as an investment, primarily as a retirement provision. Very few are actually a case for the wrecking ball or the demolition expert, because they […]

Mistakes and pitfalls in real estate financing

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Risks:  Unsound proposals of the mediators and finance houses for investors and owners are no rarity – in the last three decades approximately a Milliion of German citizens let themselves be sold a de facto junk real estate as an investment, above all for the age precaution. It is true that very few of them […]