The tax refund finances the loan: Remove an unconfirmed benefit from the base calculation
How do I check the ongoing affordability of an investment flat when a tax refund is not yet certain?
Knowledge & practice
Practical articles for Austria and Germany – from property marketing and social media to everyday office life. Every article is reviewed editorially.
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Renovation after buying a flat: Clarify the 15-percent question before a tax refund is assumed
Which documents do I need before I plan renovation expenses for a let flat as an immediate tax benefit?
Pay an activation fee before a housing loan? Stop the contact when advance-fee demands are made
What should I do if an alleged financing confirmation is only to be released after an advance transfer?
The rental surplus is missing for three months: modelling a single vacancy with real payment directions
How do I calculate a hypothetical rental loss without double-counting lost income and continuing expenses?
A grant only arrives after the invoice: financing the period until reimbursement
How do I plan a measure whose assumed grant would only be available after my own payments?
More loan promised than disbursed: reconcile the net disbursement with the purchase requirement
How do I spot a financing gap when the loan amount and the actually available disbursed amount diverge?
Fixing the follow-up interest rate today for later: assess a forward loan as a binding decision
How do I compare fixing an interest rate today for a later date with deliberately waiting, and which amount, timing and commitment risks must I clarify before signing?
The bank demands a prepayment penalty on a house sale: check the repayment route and the claim separately
Which statutory routes and objections belong together before accepting a prepayment penalty claim when a German house is to be sold during the fixed-interest period?
A second flat in Berlin for work: check tax liability, exceptions and housing budget together
A Berlin secondary flat needed for work is not tax-free solely because of the job. Check the personal constellation, the Berlin exception framework and the correct calculation basis before you set the second-home budget.
Liquidating open-ended property funds for a home purchase: linking redemption and sale to your cash need
An open-ended property fund is not a readily available purchase price balance at any time. Check acquisition dates, redemption period, stock-exchange possibility and price risk before planning the units as fixed equity.
The Bausparvertrag is meant to finance the purchase: connecting allocation and interim financing before the notary appointment
An expected Bauspar allocation is not yet a firm payout for your purchase price date. Compare the actual contract status and possible interim financing with the entire payment plan.
The house sale proceeds are in the account: check deposit protection and funds needed until the next purchase
A large house sale proceed can be temporarily specially protected, but does not automatically fulfil every requirement. Check institution, balance, origin and time window together with the funds needed for your next property purchase.