Financing your dream property
You have found the perfect property, made your first plans for the move, and already have a clear idea of how you want to furnish it. All that’s missing is the right financing?
We are also happy to assist you with this important matter, as we work with a renowned, bank-independent financing broker who will be glad to advise you.
Financing calculator
Our financing calculators provide a good starting point for planning your personal financing and calculating your monthly payments based on the amount of your equity.
Find the right property financing
In most cases, real estate financing is a long-term decision that should be carefully considered.
Contracts with terms lasting several decades should therefore always be examined in detail, and possible irregularities taken into account. Careful planning is particularly important because the long periods over which a credit or loan agreement runs are difficult to foresee or plan in detail.
Given the large number of banks and financial service providers, however, it is often difficult to decide on a specific offer.
Before you begin your search, you should carefully assess your initial situation:
What costs will you incur when purchasing the property? Are additional measures, such as renovations or energy-efficient refurbishments, required before you can move into the house? What incidental costs will arise in connection with the purchase?
And finally, how much equity do you have available for the acquisition? The more capital you have, the lower the risk and the more favorable the loan conditions will be.
As experienced real estate agents, we at Otto Immobilien are happy to support you in finding financing tailored to the property. Since we already know all the key details of the property in question, we can put you in contact with financiers who may offer you special conditions.
Please note that we have no influence on the actual offer.
Forward planning
When planning, pay attention not only to the effective annual interest rate but also to the amount of the monthly installments.
An overly optimistic approach can become burdensome over time. It is important that your regular income, monthly expenses, and loan installments are balanced in such a way that you can continue to enjoy a comfortable life without excessive restrictions. You can also reduce the loan amount by making use of government subsidy programs. We are happy to inform you which subsidy options may apply to your situation. We can also advise you on fixed interest rate options.