You have lived for years in the offered flat and can imagine buying it. The familiar rooms make decisions about everyday life easier. However, they do not replace checking the owner household, the whole building and the planned contractual change.
Use your own living knowledge purposefully
Write down what you actually know from your use: which rooms fit, which recurring peculiarities you have observed and which works were carried out during your tenancy? Separate your own observations from explanations by other people. A well-kept list can support the technical and legal review.
Treat unknown parts of the building as still unknown. You may know your bathroom very well, but not the condition of the roof or the current documents of the owners' association. Familiarity with the flat is not a complete inventory check.
Rebuild the future calculation
Our editorial recommendation: do not simply compare previous rent and expected loan instalment. Record the actually confirmed ongoing owner costs, planned works, acquisition expenses and available reserves. Mark unresolved items instead of entering them as zero.
The calculation should also show which money you need immediately and which expenditures could arise later. The article does not state any flat rate return, any general ancillary-cost ratio or any financing commitment. Your known previous rent payments are a starting point, not a finished owner plan.
Hypothetical case: familiar flat, unknown building decision
A female tenant can cover the planned loan according to an initial assessment. She therefore considers the purchase settled. However, in the documents it turns out that larger works on the building are being discussed, the status of which she did not know as a tenant until now.
She has existing resolutions, plans and financing bases explained and adapts her purchase calculation to the clarified status. The example does not assume any particular cost liability or effect of resolution. It shows why the flat known from everyday tenancy does not describe the entire owners' decision.
Have the transition of contractual phases explained
§ 873 BGB fundamentally connects the transfer of ownership with agreement and land register entry. [EIGENTUM] The decision to buy and the notary appointment are therefore not by themselves proof that every tenancy- and ownership-related procedure is already completed.
Discuss with the notary and, if applicable, your own adviser how the existing rent, deposit, statements, cost cut-off dates and other residents are treated in the specific transaction. This article does not automatically declare a tenancy terminated on a broadly set date. No independent rent reduction can be derived from it.
Assess the purchase as a new owner
Finally formulate which advantages this particular property offers you and which new obligations you would consciously take on. Also consider whether it fits your foreseeable life plan. The avoided moving effort can be a personal advantage; it does not make an unresolved purchase economically complete.
Your long living experience is valuable if it is combined with complete property documents and a clarified transition. Then the wish simply to be able to stay becomes a reasoned purchase decision.