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

Real estate financing – what options do I have?
An experienced real estate agent is not only an expert in buying and selling properties, but also a valuable partner in financing your dream home. They can give you a rough idea of your options in advance and recommend an independent financing expert for comprehensive advice. The most important financing options:
- Annuity loan
An annuity loan is the most common form of real estate financing. It is characterized by consistent installments consisting of interest and principal payments. The advantage: you have a fixed basis for calculation and know exactly what monthly costs you will incur.
- Full repayment loan
A full repayment loan is a loan in which the entire loan amount is repaid in full within the fixed interest period. This option offers planning security, as there is no remaining debt at the end of the term.
- Variable-rate loan
With a variable loan, the interest rate is regularly adjusted to the current market rate. This option offers flexibility, as you can usually repay the loan with a short notice period. However, you bear the risk of interest rate changes.
- KfW loans
The Kreditanstalt für Wiederaufbau (KfW) offers low-interest loans to promote home ownership. These loans are often combined with government subsidies and repayment subsidies, which makes them particularly attractive.
- Building society savings agreement
A building society savings agreement is a combination of savings and a loan. First, you save a certain amount, which is then used together with a loan to purchase the property. This option offers long-term planning security.
- Subsidies and grants
Many regions offer special subsidy programs and grants for real estate purchases, especially for families, young couples, or energy-efficient renovations. These can make financing much easier.
Conclusion
Choosing the right financing option is a crucial step on the way to your dream property. Seek the support of a professional real estate agent to find the best solution for your individual situation. With the right partner at your side, the path to home ownership will be much easier and safer.
Are you looking for someone who can recommend an independent financial advisor? Contact us! We will be happy to advise you.
Notes
For reasons of better readability, the generic masculine form is used in this text. Female and other gender identities are expressly included insofar as this is necessary for the statement.
Legal notice: This article does not constitute tax or legal advice in individual cases. Please consult a lawyer and/or tax advisor to clarify the facts of your specific case.
Photo: © Wordliner/Image created with OpenAI's DALL·E.