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Move to a smaller place or stay where you are?

You don't transplant an old tree. Or do you? Many years ago, you fulfilled your dream of owning your own home with a large garden and a separate room for each child. At the time, the property was perfectly suited to your needs—but today, things look different. So what happens now to a house that may be too big? Stay where you are? Sell? Or would you rather rent it out? We'll show you what options you have.

Real estate in old age

When the children have left home or retirement is just around the corner, many older people start to think about the future. Sooner or later, quite a few decide to leave their own home and spend their twilight years in a retirement-friendly apartment. In addition to the question of how to find such a place, there is also the question of what to do with the old property. Are you really ready to part with your beloved home forever, or would you rather rent it out and leave it to your children later? All options have their advantages and disadvantages.

Staying where you live

For most older homeowners, age-appropriate features were probably not a priority during the construction phase of their home. Many construction companies have now recognized the emerging market and offer conversions to create living spaces specially adapted for seniors: From barrier-free access to a separate area in the house for a caregiver, many measures can be financed through subsidies. However, these are not always feasible from a construction standpoint.

There are also social factors to consider: As we get older, our needs change, and good connections to supermarkets, facilities, and relatives should not be underestimated, especially as mobility declines in old age. It is therefore always important to weigh up how reasonable it is to continue living at home. Ask yourself this question: Can I continue to live here without compromising my (changed) quality of life? If you have any concerns, selling or renting out your property may be an option.

Sell

The advantages are obvious. By selling your property, you receive a large sum of money immediately. You can invest the proceeds from the sale in a new property that is suitable for your age and changing living requirements, perhaps fulfilling long-held wishes. You also sell all your obligations. What's more, money is much easier to pass on than real estate. However, many people find it difficult to part with their beloved home for good. After all, many parents hope that their children will move into the property later on. If this is a possibility, renting it out in the meantime may be the better option.

Rent

Renting out your property can sometimes significantly supplement your monthly pension. In addition, the property remains in your possession and can therefore be passed on to your children later. However, ownership also comes with certain obligations. As a landlord, you are responsible for maintaining the property. This can sometimes significantly reduce the income you receive from renting it out.

Renting out a property should therefore be well thought out, just like selling it. Both are time-consuming and should ideally be left to a professional. If you decide to sell or rent with a real estate agent, they can also start looking for a new home for you right away. Real estate agents often have suitable rental or purchase properties in their database and can therefore ensure a smooth transition from your old home to your new one.


What suits my life situation?

You are starting a new chapter in your life and want to find out about your options – at Garcia & Co Immobilien, we draw on over 20 years of market experience to provide you with the security of knowing that we can respond to your individual situation. Our network of selected specialists in the fields of tax, law, finance, appraisals, etc. is always available to answer any further questions you may have and guarantee you the best possible advice. This enables us to flexibly implement your wishes and requirements for a retirement property in your new – or old – home.

Real estate in old age: sell or rent? - ©Syda_Productions

Enjoy retirement with real estate expertise

Whether you decide to sell, rent, or convert your property to make it suitable for retirement, we will help you find solutions tailored to your needs. Simply contact us for a no-obligation initial consultation!

Garcia & Co. Immobilien is one of the most innovative and customer-oriented real estate companies in the region. We are exceptionally well organized and stand for quality, professionalism, and discretion. Humanity and customer focus are a matter of course for us.

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That depends on the individual case. Certain properties (e.g. vacation homes) are in higher demand at certain times and are therefore easier to sell.

Is there an optimal time to sell real estate?

Buying real estate in the past vs. today: Was everything really easier back then?

No, every era has or had its challenges. Knowing all the factors that make a sale easier and more secure is still helpful today.

No, not at the moment! I can offer my property to many interested parties via an online portal. I can also find my buyer there. But the online portal does not determine how conveniently, securely, and successfully I ultimately sell my property.

Can I sell my property via an online portal?

What are the benefits of lifelong right of residence?

Regardless of who owns the property in the future, e.g., through sale or transfer to family members, I can continue to live in the property for the rest of my life.

Many factors play a role. The amount of the investment costs, changes in the residential area, the time factor, etc. What are the best overall consequences to expect?

Which is better: energy-efficient retrofitting or a new property?

Which is better: bequeathing real estate or gifting it?

Both are subject to legal and tax considerations. Therefore, always seek professional advice in advance.

Both have different advantages and disadvantages. It depends on your personal situation.

Which is better: real estate annuity or lifelong right of residence?

What is better: renovation or sale for DIY enthusiasts?

Renovation is often expensive, but can be worthwhile when selling the property due to a higher purchase price. It depends on the individual case and should be assessed in advance by a professional.

Both depend entirely on the seller's intentions. Professional real estate agents can offer individual services as part of a partial mandate. TIP: It is best to consult a professional real estate agent about the options available during a non-binding consultation.

Which is better: full mandate or partial mandate?

What is better: wait until the coronavirus pandemic is over or sell immediately?

The demand for real estate and real estate prices have not fallen during the coronavirus pandemic. To protect the health of everyone involved, special procedures are required when selling property during the coronavirus pandemic.

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Why a real estate agent will be indispensable in 2025: advantages and added value

At a time when the real estate market is more complex and dynamic than ever, real estate agents will remain an indispensable partner for anyone looking to sell or rent their property in 2025. Real estate agents not only offer valuable support in pricing and strategically approaching buyers, but also act as expert advisors throughout the entire sales process. A real estate agent brings more than just experience to the table. They provide a comprehensive market analysis that helps to achieve the best possible sale price. With a deep understanding of regional conditions, agents are able to identify and avoid potential pitfalls at an early stage. At the same time, they offer emotional support and relief by taking care of formalities and negotiations. This is particularly valuable at times when real estate transactions are often more than just business, but also involve emotional decisions.

The most important steps to successfully sell a house

Selling a house requires much more than just putting a "for sale" sign in the front yard. Strategic preparation is essential to achieve the best possible sale price and find the right buyer in a timely manner. Determining the market value is the first important step. A well-founded property valuation ensures that you neither underestimate nor overestimate the value, which could deter potential buyers. Experts such as those at Garcia & Co Immobilien GmbH offer many years of experience and precise analyses. Once the value of the property has been determined, effective presentation is crucial. An attractively designed brochure, supplemented by professional photographs, highlights the best features of your property. Consider carrying out minor renovations if necessary to increase its appeal. Well-maintained properties with attention to detail are more likely to attract interested parties and can have an emotional impact on those looking for a new home. Finally, you should prepare for negotiations so that you can respond to the expectations of interested parties. Openness and transparency play a major role here, because trust is an invaluable advantage when selling a house.

Top tips for successfully selling residential properties

Selling a residential property is often one of the most important decisions in a homeowner's life. Achieving the best possible price requires a well thought-out and strategic approach. First, a precise market analysis is essential. This allows you to estimate the current value of the property and skillfully use this information in price negotiations. A reliable property valuation not only builds trust with potential buyers, but also forms the foundation for all further sales strategies. Another important aspect is a high-quality property listing. Professional photos and a detailed description can be decisive in attracting the interest of the target group. In the digital age, a compelling online presentation of your property is essential. Platforms with a wide reach and a targeted approach increase visibility and maximize the chances of achieving the best possible price. Each of these steps requires careful planning and execution to ensure that the sales process is not only successful but also runs smoothly.

How do energy standards affect property values?

Modern insulation, efficient heating technology, and low energy costs are no longer just trends, but decisive factors that directly influence the value and sales potential of your property. Read here to find out why it pays for owners to invest in energy-efficient modernization in good time and how the market is likely to develop in the future.

Why professional real estate valuation? – An overview

A professional valuation when selling real estate is the basis for the pricing strategy and subsequent price negotiations with prospective buyers. Those who do not do this not only make the sale of their property more difficult, but may also end up selling their property below its value.

Living in old age or age-appropriate living?

As we get older, our expectations of our homes often change. A barrier-free bathroom, fewer stairs, or the question of whether our home still meets our current needs—many people are faced with the decision at some point: renovate, transfer, rent, or sell?

Real estate sales only with professional appraisal

Without a professional real estate appraisal, selling a property can result in financial losses. Read on to find out why a professional appraisal is so important and what advantages it offers you when selling real estate.

Getting a mortgage for real estate when you're over 60

It is often more difficult for seniors to obtain a loan, whether for purchasing real estate, renovations, or other financial projects. However, there are ways in which older people can successfully obtain financing.

Poor energy balance – what property owners should look out for

Properties with poor energy efficiency and/or outdated heating systems are becoming increasingly difficult to sell. And when they do sell, sellers have to expect price reductions. But what can owners do to prevent this?

Life situations

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Living in old age

Living in old age or age-appropriate living!

As we get older, our expectations of our homes change. While a large garden and enough bedrooms for the kids were important to you at 30, at 70 you're probably more interested in having fewer stairs to climb and a supermarket just around the corner. But what else needs to be considered when it comes to age-appropriate living?

Real estate in divorce

What to do when paths diverge?

When couples divorce and own property together, the big question arises: What happens to it now? The answer is not always straightforward and depends on many factors. Does the couple have children, does one partner want to continue living in the property, and what share of the property does each partner own?

Inheritance and bequests

A dispute over a single cup? Real estate as inheritance

Almost every second inheritance in Germany includes real estate. The inherited home is often the deciding factor in whether an inheritance is valuable or not. So, in theory, anyone who inherits real estate has something to be happy about. In practice, however, inheritance is usually accompanied by grief for a loved one—and a lot of unanswered questions and bureaucratic hassle. Here's what you need to know if you inherit or bequeath real estate.

Starting a family

Young families and the adventure of building a house – how the dream of happiness comes true

Are you expecting a baby? Congratulations! Then you know that new parents face major challenges that affect not only parenting and childcare, but also their living situation. Many are faced with the question: Should we build a house or buy one? Which neighborhood is best for us? What financing options are available to us?

Moving due to a job change

New job, new city, new house? Moving house made easy

Property owners who have to move to another city due to a change in their career usually experience a great deal of stress. What happens to the old property and how can a new home be found quickly near the future place of work? A local real estate expert is best placed to help in such cases. With a professional real estate agent, you can usually submit a search request and will be informed exclusively when suitable properties come up for sale.

Living in old age

Alternative forms of living in old age

The idea of moving into a retirement home discourages many seniors from looking into the topic of living in old age. However, assisted living does not always mean a nursing home, and not every nursing home means giving up all your freedom. Those who want to trade their home and solitude for an alternative form of living in their old age have various options.

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