Real Estate in Germany

Owning a home or buying a rental property is one of the biggest financial goals. Real estate (investing) in Germany can be a wonderful tool for financial success.

Real Estate in Germany In A Nutshell

Real estate in Germany has long been a popular investment option for buyers from Germany and abroad. Germany is known for its stable economy, relatively low-interest rates, and high quality of life, which have made it an attractive destination for people looking to buy residential property or invest in rental properties.

In recent years, the German real estate market has experienced significant growth, with rising property prices and strong demand for housing in urban areas. This growth is due to several factors, including a growing population, low unemployment rates, and an influx of foreign investors.

Germany has a highly regulated real estate market that offers a high level of security for investors. The strong legal system and transparent real estate laws make Germany an attractive destination for international buyers seeking a stable and secure investment. In addition, the government has taken various measures to support the real estate market, such as tax incentives for energy-efficient buildings and subsidies for first-time home buyers.

Buying a home in Germany can be a complex process, with buyers having to comply with various legal requirements and fees. The first step is to find a property that suits your needs and budget. This can be done by working with a real estate agent or by searching online listings. Once you have found a property, you need to make an offer to the seller. If your offer is accepted, you will need to hire a notary to complete the purchase contract. The notary will ensure that all legal requirements are met and that the property is transferred into your name. You will also have to pay various taxes and fees, such as land transfer tax and notary fees.

Investing in real estate for rent in Germany is an increasingly popular way to earn passive income. The country has a strong rental market and many people choose to rent rather than buy. This has created opportunities for investors to purchase properties and earn a regular rental income. When investing in rental properties, factors such as location, rental demand, and potential rental income need to be considered. It is also important to consider the costs of management, maintenance, and repairs. The advantage here is that the additional costs are tax deductible (unlike the costs for purchasing a home).

If you are interested in purchasing an investment property, PerFinEx can help you with this. We can help you with both the property search and the financing of the property. The advantage here is that all our properties come with a full management service. This means that you don’t have to worry about anything after purchase.

In summary, real estate in Germany offers a stable and secure investment opportunity for both domestic and international buyers. With a highly regulated market, a solid legal system, and transparent real estate laws, Germany is a safe and attractive destination for those looking to purchase residential property or invest in rental properties. Although buying a property or investing in rental properties can be a complex process, investors can achieve steady returns on their investments. Find out more about real estate in Germany on this page.

Our latest real estate videos

In our YouTube playlist about real estate in Germany, we go into the details of real estate in general. We explain what to look out for when getting started, how best to proceed, and additionally general topics about real estate in Germany.

Our latest Real Estate Blog Posts

In our blog, we cover everything there is to know about real estate in Germany. Among other things, we inform you about current events, misstatements, errors, and changes in the German real estate market.

How to buy real estate
How to buy real estate with 0€

Learn how to enter the real estate market with varying budgets, from 0€ to 1,000,000€, exploring strategies, financing options, and tax benefits in Germany 🏡.

Our latest Real Estate Blog Posts

In our blog, we cover everything there is to know about real estate in Germany. Among other things, we inform you about current events, misstatements, errors, and changes in the German real estate market.

Calculate all important calculations regarding real estate in Germany

You can use our calculators to calculate all important aspects of real estate in Germany. You can for example get an idea of what the best real estate loan looks like, how long you need to pay off your mortgage, or how much real estate you can afford.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Best Bausparvertrag
in Germany

Find the best Bausparvertrag in Germany with the highest interest rate.

Real Estate
Loan Calculator

Calculate the perfect real estate loan (EMI) to see how much real estate you can afford.

Real Estate Condition
Calculator

Find the best real estate loan in Germany with the lowest interest rate.

Real estate price
Calculator

Find out how much real estate you can afford.

Buying or renting
calculator

Compare renting vs. buying on a financial perspective.

Calculate all important calculations regarding real estate in Germany

You can use our calculators to calculate all important aspects of real estate in Germany. You can for example get an idea of what the best real estate loan looks like, how long you need to pay off your mortgage, or how much real estate you can afford.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Best Bausparvertrag
in Germany

Find the best Bausparvertrag in Germany with the highest interest rate.

Real Estate
Loan Calculator

Calculate the perfect real estate loan (EMI) to see how much real estate you can afford.

Your PerFinEx financial advisory team

Your Real Estate advice

Personal finance in Germany can be difficult – especially as an expat with limited German language skills. We make your financial planning as easy as possible. All you need is a device that is connected to the internet to secure a free online meeting with us.

Buying a Home in Germany

If you are thinking about buying a house in Germany, you have come to the right place. Many people have the goal of owning their own home at some point in their lives.

This can make sense for many, especially in Germany, as Germany is known for its strong and stable economy, high standard of living, and excellent infrastructure. However, buying a home in Germany can be a complex and time-consuming process, especially for those who are unfamiliar with local laws and regulations.

On the following page, we will give you a comprehensive overview of everything you need to know about buying your own home in Germany – from the different types of property available to the legal and financial requirements you will need to meet.

Our latest videos about buying a home

In our YouTube playlist on buying a home, we go into detail and show you exactly how you should develop your savings strategy for your personal real estate investment and what to look out for when buying your own home in Germany.

Our latest blog posts about buying a home

In our blog on buying a home, we go into detail and show you exactly how to prepare for buying your own home in Germany, what the benefits are, and what to look out for. Additionally, we help you save up for your future home.

How to buy real estate
How to buy real estate with 0€

Learn how to enter the real estate market with varying budgets, from 0€ to 1,000,000€, exploring strategies, financing options, and tax benefits in Germany 🏡.

Our latest blog posts about buying a home

In our blog on buying a home, we go into detail and show you exactly how to prepare for buying your own home in Germany, what the benefits are, and what to look out for. Additionally, we help you save up for your future home.

How to buy real estate
How to buy real estate with 0€

Learn how to enter the real estate market with varying budgets, from 0€ to 1,000,000€, exploring strategies, financing options, and tax benefits in Germany 🏡.

Calculate the costs for your own home with our Calculators

With our calculators, you can calculate everything around your own home. From what you can afford to pay, to potential ways to save on the property, to the actual loan you will most likely need.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Best Bausparvertrag
in Germany

Find the best Bausparvertrag in Germany with the highest interest rate.

Real estate price
Calculator

Find out how much real estate you can afford.

Buying or renting
calculator

Compare renting vs. buying on a financial perspective.

Calculate the costs for your own home with our Calculators

With our calculators, you can calculate everything around your own home. From what you can afford to pay, to potential ways to save on the property, to the actual loan you will most likely need.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Best Bausparvertrag
in Germany

Find the best Bausparvertrag in Germany with the highest interest rate.

Learn More About Real Estate in Germany On Social Media

Social media can be a valuable source of information when learning more about real estate in Germany. By following our accounts, you can get helpful tips, news, and resources related to real estate in general and regulations in Germany.

Buying a rental property in Germany

Investing in real estate can be a lucrative and stable way to grow your wealth, and Germany has become a popular destination for property investment in recent years. With its robust economy, “relatively” low-interest rates, and high demand for rental properties, Germany offers investors the potential for long-term growth and profitability.

Whether you are looking to invest in residential or commercial property, there are many opportunities to explore in the German real estate market.

The following page deals with everything related to the investment side of real estate. Among other things, we discuss the many advantages, but also challenges of investing in real estate in Germany. In addition, we provide insights and tips to help you make informed decisions.

our latest buying a rental videos

In our YouTube playlist on buying a rental property, we go into detail and show you exactly how you should develop your strategy (also your savings strategy) and what to look out for when buying a rental property in Germany.

Our latest buying a rental blog posts

In our blog, we report on everything there is to know about buying a rental property in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in the real estate market in Germany.

Investment in Germany
The BEST Investment in Germany

This article explores the question if there is a best investment in Germany, detailing the benefits, risks, and tax implications of various investment options 📈.

Halal Investing in Germany: A Comprehensive Guide to Ethical Wealth Building
Halal Investing In Germany

Explore Halal investing in Germany with this guide covering Shariah-compliant options such as profit-sharing, Sukuk, etc. and achieve ethical and sustainable wealth 🤑.

Our latest buying a rental blog posts

In our blog, we report on everything there is to know about buying a rental property in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in the real estate market in Germany.

Calculate the costs for your investment property

With our calculators, you can calculate all possible scenarios to consider when buying a rental property. From the conditions, to potential savings methods for the property, to the actual loan you need.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Real Estate
Loan Calculator

Calculate the perfect real estate loan (EMI) to see how much real estate you can afford.

Real Estate Condition
Calculator

Find the best real estate loan in Germany with the lowest interest rate.

Buying or renting
calculator

Compare renting vs. buying on a financial perspective.

Calculate the costs for your investment property

With our calculators, you can calculate all possible scenarios to consider when buying a rental property. From the conditions, to potential savings methods for the property, to the actual loan you need.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Real Estate
Loan Calculator

Calculate the perfect real estate loan (EMI) to see how much real estate you can afford.

How You Benefit From Working With PerFinEx

PerFinEx GmbH is registered as an independent financial advisor in all fields of personal finance: insurance, investments, and loans according to § 34 German trade regulations (Gewerbeordnung) & supervised by the German Chamber of Commerce and Industry (IHK).

Independent Advice

We are an independent financial advisor working with hundreds of different banks, insurance & pension companies.

No Additional Costs

We are paid in commissions that the German government regulates. Working with us comes at no extra cost for you.

Licensed & Regulated

We are licensed in all 3 different fields of personal finance and compliant with German financial laws & regulations.

Investing in Real estate in Germany

Investing in real estate can be a lucrative and stable way to grow your wealth, and Germany has become a popular destination for property investment in recent years. With its robust economy, “relatively” low-interest rates, and high demand for rental properties, Germany offers investors the potential for long-term growth and profitability.

Whether you are looking to invest in residential or commercial property, there are many opportunities to explore in the German real estate market.

The following page deals with everything related to the investment side of real estate. Among other things, we discuss the many advantages, but also challenges of investing in real estate in Germany. In addition, we provide insights and tips to help you make informed decisions.

our latest real estate investing videos

In our YouTube playlist on real estate investing, we go into detail and show you exactly how you should develop your strategy (also your savings strategy) and what to look out for when buying a rental property in Germany.

Our latest real estate investing blog posts

In our blog, we report on everything there is to know about investing in real estate in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in the real estate market in Germany.

Investment in Germany
The BEST Investment in Germany

This article explores the question if there is a best investment in Germany, detailing the benefits, risks, and tax implications of various investment options 📈.

Halal Investing in Germany: A Comprehensive Guide to Ethical Wealth Building
Halal Investing In Germany

Explore Halal investing in Germany with this guide covering Shariah-compliant options such as profit-sharing, Sukuk, etc. and achieve ethical and sustainable wealth 🤑.

Our latest real estate investing blog posts

In our blog, we report on everything there is to know about investing in real estate in Germany. Among other things, we inform you about current events, misunderstandings, errors, and changes in the real estate market in Germany.

Calculate the costs for your investment property

With our calculators, you can calculate all possible scenarios to consider when buying a property. From the conditions, to potential savings methods for the property, to the actual loan you need.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Real Estate
Loan Calculator

Calculate the perfect real estate loan (EMI) to see how much real estate you can afford.

Real Estate Condition
Calculator

Find the best real estate loan in Germany with the lowest interest rate.

Buying or renting
calculator

Compare renting vs. buying on a financial perspective.

Calculate the costs for your investment property

With our calculators, you can calculate all possible scenarios to consider when buying a property. From the conditions, to potential savings methods for the property, to the actual loan you need.

Best real estate
Loan in Germany

Find the best real estate loan in Germany with the lowest interest rate.

Real Estate
Loan Calculator

Calculate the perfect real estate loan (EMI) to see how much real estate you can afford.

What Our Amazing Clients Say About Us

To gain insight into what it’s like to work with us, take a look at the feedback from our clients. Furthermore, you have the opportunity to provide us with your own review as simple as it gets with the button below.

PerFinEx GmbH
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Maris WintersMaris Winters
12:58 10 Apr 24
Axel is clear, communicative, helpful and prompt. I've really appreciated his help and am glad to be working with him.
Hesham Kamal EldinHesham Kamal Eldin
00:17 23 Mar 24
I have recently signed my new pension contract with the aid of Axel from PerFinEx. My first impression is very positive. Axel helped me with his experience to find the right program for me in a smooth and professional way. I highly recommend PerFinEx to anyone who wants honest and experienced support for financial planning.
Nhu Viet NguyenNhu Viet Nguyen
11:00 14 Mar 24
Very polite and supportive team!
Veronica JonssonVeronica Jonsson
12:49 02 Mar 24
Starting to invest in ETFs has felt very overwhelming, but not anymore! PerFinEx helped me start my pension savings in just a week (which would've taken me months of research, confusion and stress otherwise). Thank you, Axel, for the excellent guidance. I can recommend anyone trying to get a better grip on their finances to set up a meeting PerFinEx!
emrah can çetinkayaemrah can çetinkaya
07:34 26 Feb 24
As a newcomer to Germany, I can say that PerFinEx has been really helpful in clarifying my questions on various topics.
Ana P SantosAna P Santos
11:33 30 Jan 24
The PerFinEx videos were very useful for my research on what pension fund to invest in. I made an appointment with PreFinEx after watching the videos and making copious notes. Axle clearly explained the different pension levels to me and helped me make an informed decision as to where I could safely and wisely invest my money. Would definitely recommend PerFinEx services when planning your future.
KIVANÇ KARAOĞLANKIVANÇ KARAOĞLAN
09:46 30 Oct 23
I feel so lucky to have the chance to work with PerFinEx and Axel. PerFinEx, under the leadership of Axel, has a comprehensive knowledge of the health insurance system in Germany. He first tries to understand and identify your expectations and requirements then he finds the best way for you during the transition from public to private insurance. They are doing a great job providing valuable information to all the expat- non-German speaking community. Now I am asking myself why I lost that much time. I should have contacted Axel a long time ago. It is also great to feel that they will be always there to help you anytime you need. I would strongly recommend this company to work with. Please note that they have also other services such as pension systems, financial investments, real estate, etc.
Mohit SoodMohit Sood
21:07 02 Oct 23
I had two meetings with Axel. Everything was very smooth. He helped me shortlist couple of Health insurances. I had multiple queries before and after the meeting, Axel was very clear in his answers and patient with me throughout the process. It was a nice experience for me. I would definitely recommend their services.
Parth Sarthi PandeyParth Sarthi Pandey
14:50 07 Dec 22
It was wonderful working with PerFinEx. You get clear and honest advice and I had one of the most smooth experiences of buying any policy in Germany.
I've had a few calls with the folks from PerFinEx. I quickly built trust and started using their services. They present themselves as a key partner for your finances, specially when you are not from Germany.I'm looking forward to building a lasting business relationship with them. It's been such a great start.
Rajwinder SinghRajwinder Singh
16:28 12 Aug 22
Best Financial advisor for Expats! I am happy to collaborate you. Thanks for advising on how to maximize my financial gains. 🙂 I would totally recommend PerFinex to anybody looking to maximize their earnings.
Satwik ShenoySatwik Shenoy
09:55 20 Jun 22
PerFinEx for expats in Germany is a legit one-stop shop for all your insurance needs and financial planning. They managed to solve all my insurance problems in Germany in no time and their YouTube videos are super informative.Axel and Pascal were a pleasure to work with. I'd highly recommend you talk to them. Even if you already have your insurances, you could revisit your current situation and work on making them better and more efficient. The way he speaks clearly shows he is here to help.Wishing you all the very best and keep those videos coming!
Luis Alfonzo GonzálezLuis Alfonzo González
20:52 15 Mar 22
I first got in touch with Axel through his YouTube channel, then we arranged a meeting and he was super helpful and explained everything to me. I really value his patience and work ethic. I can recommend him for all expats living in Germany!
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FAQ about real estate in Germany

Can foreigners buy real estate in Germany?

In principle, there are no restrictions for foreigners to purchase real estate. In this respect, the natural person is equally permitted as the legal entity. The origin of the buyers does not play a role. For example, Italians or Swiss can acquire and hold real estate in Germany as private individuals as well as through companies and corporate holdings.

How do I start investing in real estate?

There are many different ways to invest in real estate. You can choose the classic way via property. However, here you need to save a relatively large sum as equity. This is not required for REITs, REIGs, and RELPs. These are types of investment funds that are slightly different, but quite similar. In addition, there is the possibility of crowd investing either classically via a platform, or via real estate security tokens.

What should I know before investing in real estate?

The most important factor when it comes to investing in real estate is your personal financial situation. This shows you whether you should rather invest in real estate security tokens, or similar, because you have too little income, too little equity, perhaps psychologically not even ready to deal with so much debt on your shoulders, or whether you are able to lift a real estate investment. This also applies to both the financial and the psychological side. Here it is often better to start smaller. So instead of starting right away with a multi-family house, first buy a one- or two-room apartment.

What is the best real estate website?

This depends on how you plan to use your property. If you are aiming to purchase your own home, platforms like Immo Scout 24 are probably the best option. However, if your goal is to purchase an investment property, we recommend you make an appointment with real estate advisors, like we are, as they often have access to platforms that allow you to invest in projects designed precisely for this purpose.

Get In Touch With Us

Would you like to learn more about real estate in Germany or do you need help with the right strategy for your real estate investment? Just send us a message and we will help you as soon as possible.