Practical articles for Austria and Germany – from property marketing and social media to everyday office life. Every article is reviewed editorially.
1120 articles
A house sale does not in every examined constellation require a full loan repayment. Assess the prerequisites for a possible exchange of security and link the replacement property, rank and transition time with the actual financing plan.
Assign income, expenses and reserve to their actual currencies. An explicitly fictitious numerical example shows why a stable euro loan with foreign-currency salary does not yet produce a stable euro budget.
Who promises which payment and for how long in an investment flat? A fictitious offer comparison shows how to check rent, additional security agreement and the period after the payment promise separately.
A hypothetical German sales offer separates purchase price total, actually available money and a remaining long-term payment. The article shows why instalment size alone is not a sufficient comparison and not a contractual safeguard.
A hypothetical post shows how borrowers in Germany can separate a notice of creditor change from a proposed contractual amendment. The procedure combines statutory fundamentals with a cautious check of the payment route.
Compare a fee-bearing rental deposit guarantee with a cash deposit over the same tenancy duration. Fees, available funds, possible recourse and actual release are considered separately in Germany.
If you are an owner-occupier, check the route to the Lastenzuschuss. Actual housing payments, housing-law burden and existing financing are kept separate with appropriate evidence.
Put the effective annual interest rate of a German mortgage into context. Keep the comparison basis consistent, and clearly separate purchase costs that are not included and assumptions after the fixed-rate period.
Lay existing instalments, terms and final payments on the same timeline before a German residential finance. The example shows why a single new instalment does not explain the total burden.
Check the ten-year rule under § 489 BGB based on the actual loan history. Full disbursement, later agreements and the available redemption belong together.
Check, for multiple investment properties, which payments claim the same reserve. Separate property budgets are insufficient for a shared bottleneck.
Translate annual property costs into a personal monthly reserve pot. The calculation example separates private provision and the communal maintenance reserve.