Marcel Bonhoff
Financing specialist & after sales manager
You would like to finance a property and are looking for:
Marcel Bohnhoff and his financing team advise and support you individually with your financing case, tailored to your wishes and goals.
Process:
The consultation process in our company is very simple. In the first step, we examine your financial situation and your individual wishes. Is it apartment financing, financing of a new building, or should we calculate house financing?
Depending on the given basic requirements, you have to pay attention to different things when calculating the financing of a property.
Ultimately, you have to calculate the financing of a property for 500,000 euros differently than, for example, a loan for a property over 1 million euros.
Would you like to buy a house without equity? This isn’t the traditional way, but that doesn’t make it any less relevant! If the conditions are right, then construction financing without equity or 100 percent financing is certainly possible, even in current times.
Building a house with financing without equity still offers many advantages and options. You only have to know how!
If you are specifically interested in financing a house using our financing comparison, you can either use the calculator on this page or make an appointment (digitally or in the office) with one of our specialists.
We process your request quickly and transparently. After requesting your data, we will provide a tailor-made offer within the next 24 hours. We do this regardless of the type of financing request you have: regardless of whether it is an investment or your own purchase, a house or an apartment.
For us, data protection is not an annoying side effect, but rather a core aspect of our advice. Your data is protected in many ways at Meine-Renditeimmobilie.de. Secure data transmission and storage, as well as the deletion of data after processing, has the highest priority.
You want …
Then let us carry out a real estate financing comparison – free of charge and without obligation.
We can implement various construction financing options for you:
We process your financing request quickly and reliably. In order to be able to keep this promise, Meine-Renditeimmobilie.de has clear processes and responsibilities. When making a financing comparison, you go through the steps shown.
What do you want to finance? Do you finance alone or perhaps with your partner? Would you like to contribute equity?
We develop an individual concept that takes into account your financing requirements such as special repayment rights, fixed interest rates, etc.
In order to submit the financing request to the bank, we need additional documents from you. You will receive a checklist for this.
Your request will be deposited with the bank with the best conditions and checked there.
The bank gives the green light and you sign the loan agreement.
In recent years we have experienced a favorable interest rate environment across Europe thanks to the ECB’s interest rate policy. Current interest rates have risen since 2022, but construction loans are still cheap by historical comparison.
You can see the current mortgage interest rates below:
| % of the purchase price that is financed | Debit interest* | Effect. Annual interest rate* |
|---|---|---|
| 50% | 3,40% | 3,47% |
| 80% | 3,65% | 3,72% |
| 100% | 4,00% | 4,07% |
How much equity you should use when buying a house depends largely on two factors:
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 usually recommend using the additional purchase costs as equity. Other constellations can also be implemented 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. When making a capital investment, we usually recommend a 10-year fixed interest rate. After 10 years, investment properties can be sold tax-free. Of course, there are also personal situations in which a different strategy makes more sense.
Your data will only be processed as part of your request. After this process, the data will be deleted in accordance with GDPR.
What is the maximum amount of borrowed capital you can take on? This depends entirely on your financial situation: Do you have any collateral that can be contributed? How is your credit rating? Is there other financing going on? In an initial information conversation we can find out together what is possible for you.
Your data will only be processed as part of your request. After this process, they will be deleted in accordance with current GDPR 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 programs from the Kreditanstalt für Wiederaufbau (KfW), and on the other hand, there are various federal funding programs that can be incorporated in your favor 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.). Please call us on 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 each individual case depends on your personal situation.
In principle, it is possible to secure the interest rate for the entire loan term.
In the case of personal purchase, various personal factors influence 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. This is the only way your personal wishes and ideas can be taken into account.