A private loan is to replace the equity (Eigenmittel): keeping the source of the purchase money in the total indebtedness
Why does borrowed purchase money improve the account balance without creating own debt-free funds in the overall picture?
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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21 percent more value in two years: distinguishing total change and annual rate for a property
How do I read a multi-year change in value without presenting it as an annually recurring gain?
An interest-rate advantage depends on the building proof: Reading a conditional financing price in two variants
How do I compare an offer with a building-related benefit while the required proof is still pending?
Real-estate capital has grown nominally: Measure the increase against an explicitly chosen price measure
How do I calculate the real comparison without equating a consumer price index with my personal housing goal?
An interest cap costs money upfront: calculate a fictitious protection using several interest paths
How do I assess a hypothetical paid interest protection, without evaluating it solely by the most favourable scenario?
Buy with your own funds or finance part: fairly compare the remaining cash balance
How do I classify a decision between a debt-free purchase and deliberately keeping credit, without assuming a guaranteed investment gain?
The existing flat is worth a lot: separate asset value and liquid equity before the second purchase
Why can an existing property value not cover a payment due today without a clarified cash flow?
Fixed loan instalment, changing prices: read nominal debt and personal household budget separately
Why does an assumed inflation not automatically make an unchanged loan instalment easier for my household?
From ownership back to renting: Putting the net proceeds and the new housing burden into context
How do I separate one-off released assets from the subsequently recurring rental payments?
A small equity outlay makes the percentage large: Test a leverage effect with the same property
How does an own calculation show that more debt can increase both the reported return on equity and the loss relative to the outlay?
Buying a house with flood notices: combining maps, building inspection and your residual liability into a decision
How do I decide on an Austrian house purchase when maps and known water events raise questions about use, protection and remaining costs.
An unusual smell at a flat viewing: keep observation, expert clarification and choice apart
A smell during a viewing proves neither a particular cause nor that there is no health risk. Separate observation and explanation and clarify what professional answer you really need before making your housing decision.