Financing comparison

You would like to finance a property and are looking for:


-The best conditions

-A personal tutor

-A non-binding offer within 24 hours

-A digital submission process for documents without bureaucracy

Valentin Sendelbach and his financing team accompany your financing case quickly, competently and with a wealth of experience of over 7 years.

Valentin Sendelbach My Yield Property

Call financing comparison
or
Financing comparison online

Buy a house: Financing

Einen Kredit fürs Haus aufzunehmen ist von den Rahmenbedingungen heute einfacher als in den letzten 20 Jahren. Bei den niedrigen Zinsen, welche im Wesentlichen von der EZB vorgegeben werden, lohnt sich sogar eine Vollfinanzierung fürs Haus. Denn die Zinskosten sind auch bei einer 100-Prozent Finanzierung vergleichsweise niedrig.
Hausfinanzierung berechnen: Nehmen wir das Beispiel der Finanzierung eines Hauses für 500.000 Euro. Bei einem Zinssatz von drei Prozent liegen die Kosten für den Immobilienkredit deutlich unter den Zinsen, die Anleger durchschnittlich bei alternativen Anlagen wie Immobilien oder Aktien erhalten (zwischen vier und sechs Prozent). Wenn man also die Finanzierung eines Hauses berechnet, macht es also durchaus Sinn, den verstärkten Einsatz von Fremdkapital zu erwägen.
Dabei ist es unerheblich, ob es sich um die Finanzierung eines Neubau Hauses handelt oder um ein Bestandsobjekt.
Haus kaufen – Informationen Finanzierung: Wenn Sie konkretes Interesse an der Finanzierung eines Hauses über unseren Finanzierungsvergleich haben, können Sie entweder den Rechner auf dieser Seite nutzen oder aber einen Termin (digital oder im Büro) mit einem unserer Spezialisten vereinbaren. 

Real estate loan without equity

You want to buy a house without equity? This is not the conventional way, but it is certainly feasible. If the prerequisites you need to bring along are right, then construction financing without equity is definitely possible. Then your dream could come true: Building a house with financing without equity.

Unlike many banks, we process your request quickly and without delay. After retrieving your data, we usually provide you with a customised offer within 24 hours at the latest. And this is independent of the type of financing request: whether capital investment or owner-occupation, house or flat.

We protect your data

Datenschutz ist für uns keine lästige Begleiterscheinung, sondern ein Kernaspekt unserer Beratung. Ihre Daten werden bei Meine-Renditeimmobilie.de auf vielfache Art und Weise geschützt. Sichere Datenübertragung und -speicherung genießt genau wie die Löschung von Daten nach erfolgter Verarbeitung höchste Priorität.

Financing a condominium

You would like to ...

  • buy and finance a flat?
  • have a comparison carried out for the financing of a flat
  • build up a real estate portfolio

Then let us carry out a Real estate financing comparison free of charge and without obligation. 

Unlike many banks, we process your request quickly and without delay. After retrieving your data, we usually provide you with a customised offer within 24 hours at the latest. And this is independent of the type of financing request: whether capital investment or owner-occupation, house or flat.

Eigentumswohnung Finanzierung

Construction financing offer

What do we finance for you?

We can implement diverse construction financing for you: 

  • Financing land without a house
  • Financing listed house
  • Follow-up financing
  • Financing flats
  • Financing houses

 

Construction financing offer

Financing: Step by step procedure

Wir bearbeiten Ihre Finanzierungsanfrage schnell und zuverlässig. Um dieses Versprechen einlösen zu können, gibt es bei Meine-Renditeimmobilie.de klare Prozesse und Verantwortlichkeiten. Bei einem Finanzierungsvergleich durchlaufen Sie die abgebildeten Schritte.

  • Specification of personal data

    What do you want to finance? Are you financing alone or with your partner? Would you like to contribute equity capital?

  • Advice and quotation

    We develop an individual concept that takes into account your financing requirements such as unscheduled repayment rights, fixed interest rates, etc.

  • Submission of all documents

    We require additional documents from you in order to deposit the financing investment with the bank. You will receive a checklist for this purpose.

  • Review of your financing application with the bank

    Your request will be deposited at the bank with the best conditions and checked there.

  • Signing of the loan agreement

    The bank gives the green light and you sign the loan agreement.

Current mortgage rates

In den letzten Jahren haben wir dank der Zinspolitik der EZB in ganz Europa ein günstiges Zinsumfeld für Kapitalanleger erlebt. Die aktuellen Zinsen sind Anfang des Jahres zwar gestiegen, Baukredite sind im historischen Vergleich aber immer noch günstig.

Enclosed you can see the current mortgage rates: 

% of the purchase price that is financedDebit interest*Effect. Annual interest rate
50%2,92%2,99%
80%3,02%3,09%
100%3,3%3,37%

*Stand: August 2022 / unverbindliche Schätzwerte der zuletzt bei uns durchgeführten Finanzierungen. Annahme: Nettodarlehensbetrag i.H.v. 150.000€ bei einer Sollzinsbindung von 10 Jahren und 2% Tilgung. 

Construction financing experience

Our customers appreciate our work, which we invest with honest heart and soul. This is also reflected in the ratings we regularly receive on various platforms.

Compare conditions now.

Check your financing conditions with over 300 banks now.

Your direct line to us

FAQ

Answers to your questions

How much equity you should use when buying a house depends largely on two factors:

  1. Is the house purchase a capital investment? Then use as little equity as possible to optimise the leverage. 
  2. Do you have sufficient equity capital available for the purchase of your own home? Then use it generously, because a higher equity investment lowers the interest burden.

After the initial telephone contact or appointment in the office, you will receive your individual offer on the same day.

In the case of a property as an investment, we generally recommend using the ancillary purchase costs as equity. Other constellations are also feasible in principle.

In order to be able to give a meaningful answer, we recommend a personal conversation or a telephone call with one of our experts. For a capital investment, we generally recommend a 10-year fixed-interest period. After 10 years, investment properties can be sold tax-free. Of course, there are also personal situations where a different strategy makes more sense.

Your data will only be processed within the scope of your request. After this process, they will be deleted according to current DSGVO standards.

What is the maximum amount of borrowed capital you can take out? That depends entirely on your financial situation: Do you have collateral that can be brought in? What is your credit rating? Do you have other financing in place? 

In an initial information session, we can find out together what is possible for you. 

Your data will only be processed within the scope of your request. After this process, they will be deleted according to current DSGVO standards.

After the initial telephone contact or appointment in the office, you will receive your individual offer on the same day. 

On the one hand, there are various funding programmes from the Kreditanstalt für Wiederaufbau (KfW), and on the other hand, there are various federal funding programmes that can be incorporated in your favour depending on the situation.

This depends on your financial situation, your income and the desired structure of your financing (fixed interest rate, repayment rate, etc.). Feel free to call us at 089 / 1250 93 30 to find out more information and your personal monthly rate. 

The more equity you use, the lower the interest rate. However, how important this is in individual cases depends on your personal situation.

In principle, it is possible to secure the interest rate over the entire loan term.

In the case of owner-occupation, various personal factors have an influence on the decision. In order to be able to give a meaningful answer, we recommend a personal conversation or a telephone call with one of our experts.
Only in this way can your personal wishes and ideas be taken into account.

If you have any additional questions, please do not hesitate to contact us.

Over 300 banks in comparison

Fast, personal processing

100% recommendation rate