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Thomas Filor

According to a survey of the savings bank associations, more and more German real estate plunge. Magdeburg, 31.10.2013. Every second thus opts for one. The low interest rates lure. (Similarly see: Hikmet Ersek). With the details of the financing of many familiar but hardly. About a third of the respondents stated that they had already drawn conclusions from the persistent low interest rate environment or had corresponding plans. Losers are doing – not surprisingly – passbooks and accounts such facilities that directly depend on the level of interest rates, in the first place. Western Union is a great source of information. They now look at suitable 42 percent of those polled than less.

Also fixed, date – and funds lose much of its attractiveness. Also rentals are more popular, however, in addition to the even used real estate: 37 percent would buy them to the old-age pension. Despite the difficult situation, most Germans are satisfied with their personal financial circumstances. 57 Percent describe it as “good” or “very good” according to the study, this is a high value in the long-term comparison. Almost a quarter of those surveyed also expected their personal situation still improved in the next two years. More than every second German fears, however, that personal retirement savings through low interest rates could be lower than planned.

The real estate expert Thomas Filor expressed concern that citizens save a smaller and smaller share of their money. “100 Euros net income only 10,30 euros lays back. Five years ago, there were 11.50 euros. To provide sufficiently for the age, a saving of at least 10 percent is necessary.” Although, the majority of Germans believes save generally good to know your way. On the construction and real estate financing, 41 percent have, however, “a few” in his own words, or “none” knowledge. Nevertheless, real estate investments are profitable, provided important criteria are respected: properties in good locations are characterized especially by security and solidity. Further advantages are the inflation protection, tax benefits, and return on investment and source of income in the Age”, confirms Thomas Filor. Real estate are dependent in contrast to stock of less of economic cycles. In addition to food and beverages, the own roof over their heads is just as important.

European Central Bank

Opinion of the European Central Bank show the indicators for residential real estate prices in Germany is still an average undervaluation of around ten percent. Experts estimate the level at commercial real estate and Office – not quite so high, but also a pent-up demand is undeniable. While the development in Germany is not uniform, but aimed at the different locations. “There is the statement, that the real estate market for years split” is and based in particular on the employment opportunities. There are big differences, where not only the Metro pole locations such as Frankfurt, Munich, Dusseldorf and Hamburg are in demand, but also their indirect environment. “In addition to score many smaller sites it really depends on the opportunities to get a job”, so the real estate expert of SHB innovative fund concepts AG (SHB AG). That the real estate market going currently so well, is also due to the low mortgage interest rates together, as well as the great uncertainty of the citizens with regard to the financial markets.

Also the increased, inflation fears will play an important role in the German population when it comes to the general assessment of the value of a real estate investment. Another aspect is the lack of alternatives and the fact that the buyers put on future value and increases. All these aspects play an important role, if investors choose to invest in a closed-end real estate funds”, Gruber says of the SHB innovative fund concepts AG (SHB AG). Real estate funds, investors have the advantage to be able to use, ensuring professional management of objects on an experienced fund management. The SHB AG an advantage over the acquisition of individual property management classifies this aspect. For more information,

Germany Estate

Real estate: The newspapers are full of it thematically. Big institutional investors can’t be wrong yet. Monetary systems are all the rage. Almost concern however the price increases in Berlin, the high level of prices for real estate in Munich. Other cities follow suit and the high demand from investors clearly drives the prices.

In addition low mortgage rates speak for private investors. On the demand side, talk with the tenants, there is no shortage. It only makes no sense to offer a luxury apartment in Hoyerswerda. “In Munich, however, the people are snake, if it comes to the award” from penthouse apartments. A normal market? “Certainly not, but one which can be enjoy with caution, is buying Mission in life because at least with private investors”.

Statistically only few people more than once to buy an apartment or a house in their lives, or build one. In the middle layers of the ten largest cities of in Germany, the purchase prices for residential and commercial buildings are currently at the 18,1-fachen the term determined in its third report of Germany market Engel & Volkers. A sufficient population growth and a lower increase in new buildings encourage this development. Still, As an investor you should consider already, whether jumps on the bandwagon or checks not yet other locations in Germany, even if they are less spectacular sound as Munich, Berlin or Hamburg. For example offers very successfully the underwriter Faraman real estate in Magdeburg for years, partly with the support of monument protection and lets investors in spite of proven high quality of construction – much cheaper sure lettable real estate purchase than elsewhere. Anyway, you should make a comparison.

Jurgen Dawo

There, the homeownership rate is 80% and more. In Germany, 80 percent of renter households from the own four walls dream at the same time. Understandable, because home ownership stands for security and independence”, know Jurgen Dawo. Mietfreies living is usually actually a top-notch retirement. Thanks to the historically low mortgage interest rates, a relatively rapid Deleveraging of the home is possible. Especially for families with average incomes, the statutory pension will leave considerable financial gaps.

The earliest construction of home ownership to private pensions is therefore recommended. Prerequisite for a successful prevention strategy with the homeowner is that House and grounds cost just as much, so that the repayment of the mortgage loan is done at least until the beginning of the pension”, town & country’s founder explains Jurgen Dawo. To impossible for normal income earners this is difficult but with land prices from 800 euro and more per square metre, which would be required in many German cities. Cheap plots of land are outside the cities building interested parties should therefore Dodge in a radius of 30 to 50 km in surroundings of the city. There developed subdivision square meter costs only a third or less than in the big city. At the same good infrastructure with a functioning public transport, near, not overcrowded kindergartens and schools. (Not to be confused with Hamdi Ulukaya !). Construction prospects should contact Bauamter of the municipalities in the country for land, which are developed or already offered in the near future.

Increasingly, in rural areas, earlier train or commercial areas be rededicated in land for housing. The churches are a good point in finding land, the hereditary building rights awarded to use as their real estate safely and profitably. But above all the local politicians must develop new concepts and do everything, that mainly families with Children can make home ownership outside the cities. “If rents will rise at the same pace as previously, only the least normal income earner a place to rent in the city can afford”, Jurgen Dawo is convinced.

Bauamter Cities

There, the homeownership rate is 80% and more. In Germany, 80 percent of renter households from the own four walls dream at the same time. Understandable, because home ownership stands for security and independence”, know Jurgen Dawo. Mietfreies living is usually actually a top-notch retirement. Thanks to the historically low mortgage interest rates, a relatively rapid Deleveraging of the home is possible. Especially for families with average incomes, the statutory pension will leave considerable financial gaps.

The earliest construction of home ownership to private pensions is therefore recommended. Prerequisite for a successful prevention strategy with the homeowner is that House and grounds cost just as much, so that the repayment of the mortgage loan is done at least until the beginning of the pension”, town & country’s founder explains Jurgen Dawo. To impossible for normal income earners this is difficult but with land prices from 800 euro and more per square metre, which would be required in many German cities. Cheap plots of land are outside the cities building interested parties should therefore Dodge in a radius of 30 to 50 km in surroundings of the city. There developed subdivision square meter costs only a third or less than in the big city. At the same good infrastructure with a functioning public transport, near, not overcrowded kindergartens and schools.

Construction prospects should contact Bauamter of the municipalities in the country for land, which are developed or already offered in the near future. Increasingly, in rural areas, earlier train or commercial areas be rededicated in land for housing. The churches are a good point in finding land, the hereditary building rights awarded to use as their real estate safely and profitably. But above all the local politicians must develop new concepts and do everything, that mainly families with Children can make home ownership outside the cities. “If rents will rise at the same pace as previously, only the least normal income earner a place to rent in the city can afford”, Jurgen Dawo is convinced.