Dr. Chris Mulder
CFO and Co-Founder
Dr. Chris is a former senior economist and manager at the International Monetary Fund and the World Bank. He is the CFO of Hypofriend and also one of the co-founders. His wealth of experience and valuable insights and forecasts benefit not only the company, but most importantly our customers.
How Long Should You Hold a German Investment Property? The 10-Year Mark
Discover how depreciation and taxes shape the real return on a German investment property, and why year 10 changes everything.
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Renovating a Property in Germany: What Can You Depreciate and For How Long?
Learn which renovation costs in Germany are fully deductible and which over the life of a building, and what special rules help to reduce your taxable income under § 255 HGB.
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Rent or Buy in 2026? Does Buying Still Make Sense?
Property prices in Germany are trending up again around their long-term average and 2026–2027 forecasts are converging.
Read moreWhat’s Really Ahead for German Property Prices (2026–2027 Forecast)
Property prices in Germany are trending up again around their long-term average and 2026–2027 forecasts are converging.
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How to Get a Mortgage in Germany?
To make the home buying experience a bit easier, we will show you how it works and includes tips to help guide you through the process and prepare you for the purchase of your first home in Germany.
Read moreCash-Out Mortgage: How to Unlock Wealth from Your Existing Property in Germany?
Whether your property is fully paid off or still under mortgage, here’s how to make the most of its value.
Read moreWhat's Better in Germany: Buying a Home for Yourself or a Rental Property?
In Germany, it can be a smart move to begin your homeownership journey with a rental property.
Read moreWhen Can I Start Deducting Interest And Depreciation From My Rental Property (2025 vs. 2026)
German new build rental tax deductions: Interest already deductible in 2025 (pre-rental), but AfA & acquisition costs only apply from the 2026 completion.
Read moreOur German Housing Outlook (2025)
Maintaining a perspective that is both realistic and optimistic, our outlook for Germany heading into 2025 highlights continued positive trends in key areas. German house prices, having recovered significantly since late 2023, are expected to increase further due to persistent demand and constrained supply.
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How Real Estate Investors Can Use Depreciation to Maximize Their Tax Refund and Returns in Germany
Depreciation rules were already exceptionally generous in Germany compared to other countries, where depreciation of buildings is rarely possible.
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What Are the Current Mortgage Interest Rates in Germany and How Do They Evolve?
What are mortgage rates in Germany right now? See our real-time chart, compare 5 to 20-year fixed rates and get a free personalised recommendation in minutes.
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KFW 300: Great Subsidy for Energy-Efficient Houses in Germany
KFW 300 is in principle a very attractive program; it comes with interest rates as low as 0,01 % and very high loan amounts, of up to 270.000 €. You may be able to save 60.000 € in interest payments and even more if you invest the savings.
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Ariella & Adrian: The Buying Story of the Happy Homeowner
When Ariella and Adrian finally found their dream home in Berlin, they were happy to be able to rely on their hypofriend advisor with the mortgage.
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Financing Certificate: Always one step ahead
With a financing certificate, you stand out from other prospective buyers. It serves as a confirmation of your financing potential to brokers.
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10 steps: The notary procedure in Germany explained
The notary process to buy a home in Germany with a mortgage is rather complicated, and with plenty of legal jargon.
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KfW Loans and Conditions for 2026 and How It Applies to Your German Mortgage
Planning to buy, build, or renovate a home in Germany? Check KfW loans and subsidies—your mortgage advisor can assess their benefits for you.
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Building a house in Germany - What you should consider
When building a house, you can design the property according to your wishes and you can even get away cheaper. Hypofriend explains to you what you have to consider.
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5 Mistakes to Avoid With Your Mortgage in Germany
Several studies show: People who buy real estate get wealthier. That's why it's important to avoid some mistakes in your mortgage.
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Berlin Property Prices and District Guide
How much does an apartment in Berlin cost? Explore our overview with real estate prices and average cost per square meter across all Berlin districts. Get the data you need to buy.
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Why Being a Landlord is So Attractive in Germany?
Germany has an unusually generous system for investment properties, and the returns are high. Read here what you need to know.
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Mortgage for Blue Card Holders: Should You Buy Now or Later?
We explain what options you have as a Blue Card holder to expedite your home purchase, and when it makes sense to wait.
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The Wohndepot: A New Subsidy for Future and Existing Home Owners
Learn how to use the Altervorsorge Depot to Save for a Home or Reduce Your Mortgage in Germany: The Wohndepot Explained
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Stephen and Alice bought their first home in Berlin
After moving from New York to Berlin, they didn't know how long they would stay. Then they felt in love with the city.
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KfW 40 QNG: The Comprehensive Guide to Subsidies, Costs, and Requirements
Here you will find out everything about KfW 40 QNG: what it is, which subsidies are available, and whether it is worthwhile for you.
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Ehegattenschaukel: A Great Tax Hack For Rental Properties in Germany?
The Ehegattenschaukel simply means selling your home, or your share in it, to your partner. This tax strategy increases the amount you can depreciate and deduct from your taxes in Germany, saving you thousands of Euros, but it applies only to rental properties.
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