[{"data":1,"prerenderedAt":499},["ShallowReactive",2],{"blog-article-buying-a-home-for-yourself-or-a-rental-property-in-germany-en":3},{"article":4,"recommendedArticles":476},{"slug":5,"title":6,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":10,"preview":11,"category":12,"author":13,"authorImage":14,"authorImageWebp":15,"authorDescription":16,"authorSlug":17,"content":18,"contentRaw":19,"order":449,"publishedAt":450,"createdAt":450,"updatedAt":451,"seoTitle":452,"seoDescription":453,"seoKeywords":454,"seoImage":455,"mainPicture":456,"mainPictureMobile":457,"mainPictureWebp":458,"mainPictureMobileWebp":459,"language":460,"subTitle":454,"actionLabel":454,"actionType":454,"actionText":454,"id":454,"introduction":461,"tableOfContentArray":462},"buying-a-home-for-yourself-or-a-rental-property-in-germany","What's Better in Germany: Buying a Home for Yourself or a Rental Property?","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F61qlPPB7YcT6uGtMuEZxVD\u002F0031d19efd13eccef6c230ae7fbfe6eb\u002Fnews-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2U5AF4Jzh0sbYHDa3wNoKK\u002F8cf082a20057781fed438467ba5877ed\u002Fnews-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6bf2ZgIc6NGtMGyDDL8WdE\u002F8e617188029d1d7d7ca56c32e9b45e51\u002Fnews-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1rJVpZ1NLJnsW62W5biSOf\u002Fab4284c09dfa1afc3e3670d4f879c4ee\u002Fnews-380x243.webp","In Germany, it can be a smart move to begin your homeownership journey with a rental property.","property-search","Dr. Chris Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.webp","Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.","chris","  \u003Cdiv id=\"table-of-contents\">\n    \u003Cdiv class=\"headline\">\n      Table Of Contents\n    \u003C\u002Fdiv>\n    \u003Cul>\n      \u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-avoiding-all-capital-gains-tax\">\n    Avoiding All Capital Gains Tax\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-lowering-your-tax-burden\">\n    Lowering Your Tax Burden\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-special-depreciation-programmes\">\n    Special Depreciation Programmes\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-rent-control\">\n    Rent Control\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-financing-terms\">\n    Financing Terms \n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-what-profiles-benefit-most-from-a-rental-property\">\n    What Profiles Benefit Most From a Rental Property?\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Ch2 id=\"h-avoiding-all-capital-gains-tax\">Avoiding All Capital Gains Tax\u003C\u002Fh2>\n\u003Cp>Germany offers a unique advantage: when you hold an investment property for over 10 years, you don't pay the 26,375% capital gains tax. This rule applies whether you sell the property while living in Germany or after moving abroad. If you live in the property yourself, this capital gains tax exemption kicks in already after 2-3 years. \u003C\u002Fp>\n\u003Cp>\u003Cb>The takeaway?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>You should hold your rental property for at least 10 years, whether you live in Germany or not. For your own home, we also recommend holding it for longer to recoup the relatively high transaction costs and earn a good return. So while tax savings are a great reason to invest in real estate, they don’t necessarily tip the scale in favor of renting it out versus living in it. \u003C\u002Fp>\n\u003Ch2 id=\"h-lowering-your-tax-burden\">Lowering Your Tax Burden\u003C\u002Fh2>\n\u003Cp>When buying a rental property in Germany, one of the most powerful yet often overlooked benefits is real estate depreciation, known as \u003Cb>“Absetzung für Abnutzung” (AfA)\u003C\u002Fb>. This tax rule allows you to deduct part of your property’s value over time from your taxable income. This uniquely German feature can make a massive difference to your bottom line.\u003C\u002Fp>\n\u003Cp>In simple terms, depreciation lets you write off the cost of the building (not the land) over its useful life. What makes it especially attractive? \u003Cb>You can apply the depreciation against any type of taxable income\u003C\u002Fb>, not just rental income. This means that even if your rental is operating at a loss, depreciation can still reduce your tax bill significantly.\u003C\u002Fp>\n\u003Cp>\u003Cb>The takeaway?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>\u003Cb>For the first 15 or so years,\u003C\u002Fb> a rental property is more beneficial from a tax perspective as you get money back from the tax office. After that typically the revenue exceeds the costs. \u003C\u002Fp>\n\u003Cp>BUT you can make a rental property both more attractive and even for longer by using one or more of the following strategies:\u003C\u002Fp>\n\u003Col>\n\u003Cli>\u003Cp>Using special depreciation allowance (see below): This is a “killer” solution in terms of reducing your tax burden\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Refinancing with a cash-out mortgage: This keeps your interest costs high (and deductible) while freeing up capital to invest elsewhere. \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Sell the property to your spouse: Believe it or not, the depreciation allowance resets! Yes, it’s as incredible as it sounds. \u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Cp>In short, holding a rental property for around 15 years already makes a lot of financial sense—but with a few smart solutions, it can become even more profitable.\u003C\u002Fp>\n\n            \u003Cwidget type=\"callToActionRich\" headline=\"Build your wealth in Germany\" background-color=\"#F7F7F7\" main-cta-label=\"See our projects\" main-cta-link=\"https:\u002F\u002Finvestfriend.de\u002Fen\" description=\"<p>Learn how to invest in energy-efficient, commission-free investment properties and save thousands in taxes every year.<\u002Fp>\" :pictures='[{\"url\":\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4fM1kNSRDAGXcEwuLLCTN3\u002Fbb759bee2f34818b8fb470c81193cfaf\u002FRent-Or-Buy-800x534.jpg\",\"title\":\"rent or buy 800x534\",\"description\":null}]'>\u003C\u002Fwidget>\n           \n\u003Ch2 id=\"h-special-depreciation-programmes\">Special Depreciation Programmes\u003C\u002Fh2>\n\u003Cp>Normal depreciation rules allow for 2-3% of depreciation annually. But special programs accelerate the depreciation. These benefits make extraordinary returns possible, especially for high-income earners. With the recent changes, you can now deduct about 50 percent of a new rental property's value from taxes in ten years. \u003C\u002Fp>\n\u003Cp>\u003Cb>How much is the special depreciation?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cp>For new rental properties — completed — from October 1, 2023, to September 30, 2029, you can opt for \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fdepreciation-laws-real-estate-germany-2025.add\">\u003Cb>an accelerated depreciation of 5 %\u003C\u002Fb>\u003C\u002Fa>. \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>Plus you can get the special \u003Cb>extra linear depreciation of 5 % over 4 years\u003C\u002Fb> for properties that meet the high energy efficiency standard EH40\u002FQNG+ and have an upper construction cost limit of 5.200 € per m².\u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cb>The takeaway?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Finvestfriend.de\u002Fen\">Use our help to find rental properties\u003C\u002Fa> that meet these standards and have good rental and appreciation prospects. Then compare to the alternative of buying for yourself. \u003C\u002Fp>\n\u003Ch2 id=\"h-rent-control\">\u003Cb>Rent Control\u003C\u002Fb>\u003C\u002Fh2>\n\u003Cp>If you live in an apartment that is rent-controlled with rather favorable conditions, moving into your own home may not be so attractive. Buying a rental property allows you to climb the property ladder while keeping your rent benefits. \u003C\u002Fp>\n\u003Cp>\u003Cb>The takeaway?\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Living in a rent-controlled apartment makes buying a rental property attractive\u003C\u002Fp>\n\u003Ch2 id=\"h-financing-terms\">\n\u003Cb>Financing Terms\u003C\u002Fb> \u003C\u002Fh2>\n\u003Cp>Costly financing terms would, in many countries, undermine the case for renting. In Germany, however, financing terms for rental properties are as favourable as those for personal homes.\u003C\u002Fp>\n\u003Cp>\u003Cb>The takeaway?\u003C\u002Fb> \u003Cbr>\u003Cbr>Financing conditions are typically no reason to forgo buying a rental property. If you soon want to buy your own property, you are well advised to consult a specialist, as it may delay--or accelerate--the purchase of your own home, due to the conditions banks apply. \u003C\u002Fp>\n\u003Ch2 id=\"h-what-profiles-benefit-most-from-a-rental-property\">\u003Cb>What Profiles Benefit Most From a Rental Property?\u003C\u002Fb>\u003C\u002Fh2>\n\u003Cp>If you fit one of the following profiles, you may benefit especially from a rental property: \u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cp>\u003Cb>Cash-poor investors\u003C\u002Fb>: If your savings are limited and you cannot afford to buy your own home, investing in a smaller rental property can maximise the return on your savings and give you early exposure to the property market. \u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>\u003Cb>High-income investors:\u003C\u002Fb> If you are a high-income earner, then a new high-depreciation rental property can provide you with significantly additional income. The extra cash flow can offset part of your own rent or might accelerate your ability to afford a home for personal use.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>\u003Cb>Asset-rich investors\u003C\u002Fb>: If you have substantial savings but worry about overexposure to the stock market, investing in rental property can be a compelling alternative to bonds and stocks, as it offers higher expected returns (for higher-income investors) and diversifies your risk.\u003C\u002Fp>\u003C\u002Fli>\n\u003Cli>\u003Cp>\u003Cb>Older home buyers\u003C\u002Fb>: If you are an older home buyer, you may find that banks require a very high monthly repayment for the type of home you desire for yourself. Investing in a rental property instead might then be a more viable option. \u003C\u002Fp>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fshould-i-buy-a-tenanted-property-for-own-use-in-germany.add\">Considering buying a tenanted apartment to live in yourself? We explain the key factors.\u003C\u002Fa>\u003C\u002Fp>",{"nodeType":20,"data":21,"content":22},"document",{},[23,32,40,49,56,63,79,95,102,114,121,156,163,201,208,215,223,270,277,295,303,310,317,324,336,343,354,362,369,432],{"nodeType":24,"data":25,"content":26},"heading-2",{},[27],{"nodeType":28,"value":29,"marks":30,"data":31},"text","Avoiding All Capital Gains Tax",[],{},{"nodeType":33,"data":34,"content":35},"paragraph",{},[36],{"nodeType":28,"value":37,"marks":38,"data":39},"Germany offers a unique advantage: when you hold an investment property for over 10 years, you don't pay the 26,375% capital gains tax. This rule applies whether you sell the property while living in Germany or after moving abroad. If you live in the property yourself, this capital gains tax exemption kicks in already after 2-3 years. ",[],{},{"nodeType":33,"data":41,"content":42},{},[43],{"nodeType":28,"value":44,"marks":45,"data":48},"The takeaway?",[46],{"type":47},"bold",{},{"nodeType":33,"data":50,"content":51},{},[52],{"nodeType":28,"value":53,"marks":54,"data":55},"You should hold your rental property for at least 10 years, whether you live in Germany or not. For your own home, we also recommend holding it for longer to recoup the relatively high transaction costs and earn a good return. So while tax savings are a great reason to invest in real estate, they don’t necessarily tip the scale in favor of renting it out versus living in it. ",[],{},{"nodeType":24,"data":57,"content":58},{},[59],{"nodeType":28,"value":60,"marks":61,"data":62},"Lowering Your Tax Burden",[],{},{"nodeType":33,"data":64,"content":65},{},[66,70,75],{"nodeType":28,"value":67,"marks":68,"data":69},"When buying a rental property in Germany, one of the most powerful yet often overlooked benefits is real estate depreciation, known as ",[],{},{"nodeType":28,"value":71,"marks":72,"data":74},"“Absetzung für Abnutzung” (AfA)",[73],{"type":47},{},{"nodeType":28,"value":76,"marks":77,"data":78},". This tax rule allows you to deduct part of your property’s value over time from your taxable income. This uniquely German feature can make a massive difference to your bottom line.",[],{},{"nodeType":33,"data":80,"content":81},{},[82,86,91],{"nodeType":28,"value":83,"marks":84,"data":85},"In simple terms, depreciation lets you write off the cost of the building (not the land) over its useful life. What makes it especially attractive? ",[],{},{"nodeType":28,"value":87,"marks":88,"data":90},"You can apply the depreciation against any type of taxable income",[89],{"type":47},{},{"nodeType":28,"value":92,"marks":93,"data":94},", not just rental income. This means that even if your rental is operating at a loss, depreciation can still reduce your tax bill significantly.",[],{},{"nodeType":33,"data":96,"content":97},{},[98],{"nodeType":28,"value":44,"marks":99,"data":101},[100],{"type":47},{},{"nodeType":33,"data":103,"content":104},{},[105,110],{"nodeType":28,"value":106,"marks":107,"data":109},"For the first 15 or so years,",[108],{"type":47},{},{"nodeType":28,"value":111,"marks":112,"data":113}," a rental property is more beneficial from a tax perspective as you get money back from the tax office. After that typically the revenue exceeds the costs. ",[],{},{"nodeType":33,"data":115,"content":116},{},[117],{"nodeType":28,"value":118,"marks":119,"data":120},"BUT you can make a rental property both more attractive and even for longer by using one or more of the following strategies:",[],{},{"nodeType":122,"data":123,"content":124},"ordered-list",{},[125,136,146],{"nodeType":126,"data":127,"content":128},"list-item",{},[129],{"nodeType":33,"data":130,"content":131},{},[132],{"nodeType":28,"value":133,"marks":134,"data":135},"Using special depreciation allowance (see below): This is a “killer” solution in terms of reducing your tax burden",[],{},{"nodeType":126,"data":137,"content":138},{},[139],{"nodeType":33,"data":140,"content":141},{},[142],{"nodeType":28,"value":143,"marks":144,"data":145},"Refinancing with a cash-out mortgage: This keeps your interest costs high (and deductible) while freeing up capital to invest elsewhere. ",[],{},{"nodeType":126,"data":147,"content":148},{},[149],{"nodeType":33,"data":150,"content":151},{},[152],{"nodeType":28,"value":153,"marks":154,"data":155},"Sell the property to your spouse: Believe it or not, the depreciation allowance resets! Yes, it’s as incredible as it sounds. ",[],{},{"nodeType":33,"data":157,"content":158},{},[159],{"nodeType":28,"value":160,"marks":161,"data":162},"In short, holding a rental property for around 15 years already makes a lot of financial sense—but with a few smart solutions, it can become even more profitable.",[],{},{"nodeType":164,"data":165,"content":171,"entry":172},"embedded-entry-block",{"target":166},{"sys":167},{"id":168,"type":169,"linkType":170},"5V0iIbt5OvWzbo6j19hCaw","Link","Entry",[],{"title":173,"type":174,"headline":175,"description":176,"backgroundColor":186,"mainCtaLabel":187,"mainCtaLink":188,"pictures":189,"imageAlignment":198,"showBankLogos":199,"contentType":200},"Blog: IF expanded CTA \u002F 3: Build your wealth in Germany (EN)","callToActionRich","Build your wealth in Germany",{"data":177,"content":178,"nodeType":20},{},[179],{"data":180,"content":181,"nodeType":33},{},[182],{"data":183,"marks":184,"value":185,"nodeType":28},{},[],"Learn how to invest in energy-efficient, commission-free investment properties and save thousands in taxes every year.","#F7F7F7","See our projects","https:\u002F\u002Finvestfriend.de\u002Fen",[190],{"fileName":191,"details":192,"url":197},"Rent-Or-Buy-800x534.jpg",{"size":193,"image":194},1035764,{"width":195,"height":196},1600,1068,"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4fM1kNSRDAGXcEwuLLCTN3\u002Fbb759bee2f34818b8fb470c81193cfaf\u002FRent-Or-Buy-800x534.jpg","LEFT",false,"widget",{"nodeType":24,"data":202,"content":203},{},[204],{"nodeType":28,"value":205,"marks":206,"data":207},"Special Depreciation Programmes",[],{},{"nodeType":33,"data":209,"content":210},{},[211],{"nodeType":28,"value":212,"marks":213,"data":214},"Normal depreciation rules allow for 2-3% of depreciation annually. But special programs accelerate the depreciation. These benefits make extraordinary returns possible, especially for high-income earners. With the recent changes, you can now deduct about 50 percent of a new rental property's value from taxes in ten years. ",[],{},{"nodeType":33,"data":216,"content":217},{},[218],{"nodeType":28,"value":219,"marks":220,"data":222},"How much is the special depreciation?",[221],{"type":47},{},{"nodeType":224,"data":225,"content":226},"unordered-list",{},[227,251],{"nodeType":126,"data":228,"content":229},{},[230],{"nodeType":33,"data":231,"content":232},{},[233,237,247],{"nodeType":28,"value":234,"marks":235,"data":236},"For new rental properties — completed — from October 1, 2023, to September 30, 2029, you can opt for ",[],{},{"nodeType":238,"data":239,"content":241},"hyperlink",{"uri":240},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fdepreciation-laws-real-estate-germany-2025.add",[242],{"nodeType":28,"value":243,"marks":244,"data":246},"an accelerated depreciation of 5 %",[245],{"type":47},{},{"nodeType":28,"value":248,"marks":249,"data":250},". ",[],{},{"nodeType":126,"data":252,"content":253},{},[254],{"nodeType":33,"data":255,"content":256},{},[257,261,266],{"nodeType":28,"value":258,"marks":259,"data":260},"Plus you can get the special ",[],{},{"nodeType":28,"value":262,"marks":263,"data":265},"extra linear depreciation of 5 % over 4 years",[264],{"type":47},{},{"nodeType":28,"value":267,"marks":268,"data":269}," for properties that meet the high energy efficiency standard EH40\u002FQNG+ and have an upper construction cost limit of 5.200 € per m².",[],{},{"nodeType":33,"data":271,"content":272},{},[273],{"nodeType":28,"value":44,"marks":274,"data":276},[275],{"type":47},{},{"nodeType":33,"data":278,"content":279},{},[280,284,291],{"nodeType":28,"value":281,"marks":282,"data":283},"",[],{},{"nodeType":238,"data":285,"content":286},{"uri":188},[287],{"nodeType":28,"value":288,"marks":289,"data":290},"Use our help to find rental properties",[],{},{"nodeType":28,"value":292,"marks":293,"data":294}," that meet these standards and have good rental and appreciation prospects. Then compare to the alternative of buying for yourself. ",[],{},{"nodeType":24,"data":296,"content":297},{},[298],{"nodeType":28,"value":299,"marks":300,"data":302},"Rent Control",[301],{"type":47},{},{"nodeType":33,"data":304,"content":305},{},[306],{"nodeType":28,"value":307,"marks":308,"data":309},"If you live in an apartment that is rent-controlled with rather favorable conditions, moving into your own home may not be so attractive. Buying a rental property allows you to climb the property ladder while keeping your rent benefits. ",[],{},{"nodeType":33,"data":311,"content":312},{},[313],{"nodeType":28,"value":44,"marks":314,"data":316},[315],{"type":47},{},{"nodeType":33,"data":318,"content":319},{},[320],{"nodeType":28,"value":321,"marks":322,"data":323},"Living in a rent-controlled apartment makes buying a rental property attractive",[],{},{"nodeType":24,"data":325,"content":326},{},[327,332],{"nodeType":28,"value":328,"marks":329,"data":331},"Financing Terms",[330],{"type":47},{},{"nodeType":28,"value":333,"marks":334,"data":335}," ",[],{},{"nodeType":33,"data":337,"content":338},{},[339],{"nodeType":28,"value":340,"marks":341,"data":342},"Costly financing terms would, in many countries, undermine the case for renting. In Germany, however, financing terms for rental properties are as favourable as those for personal homes.",[],{},{"nodeType":33,"data":344,"content":345},{},[346,350],{"nodeType":28,"value":44,"marks":347,"data":349},[348],{"type":47},{},{"nodeType":28,"value":351,"marks":352,"data":353}," \n\nFinancing conditions are typically no reason to forgo buying a rental property. If you soon want to buy your own property, you are well advised to consult a specialist, as it may delay--or accelerate--the purchase of your own home, due to the conditions banks apply. ",[],{},{"nodeType":24,"data":355,"content":356},{},[357],{"nodeType":28,"value":358,"marks":359,"data":361},"What Profiles Benefit Most From a Rental Property?",[360],{"type":47},{},{"nodeType":33,"data":363,"content":364},{},[365],{"nodeType":28,"value":366,"marks":367,"data":368},"If you fit one of the following profiles, you may benefit especially from a rental property: ",[],{},{"nodeType":224,"data":370,"content":371},{},[372,387,402,417],{"nodeType":126,"data":373,"content":374},{},[375],{"nodeType":33,"data":376,"content":377},{},[378,383],{"nodeType":28,"value":379,"marks":380,"data":382},"Cash-poor investors",[381],{"type":47},{},{"nodeType":28,"value":384,"marks":385,"data":386},": If your savings are limited and you cannot afford to buy your own home, investing in a smaller rental property can maximise the return on your savings and give you early exposure to the property market. ",[],{},{"nodeType":126,"data":388,"content":389},{},[390],{"nodeType":33,"data":391,"content":392},{},[393,398],{"nodeType":28,"value":394,"marks":395,"data":397},"High-income investors:",[396],{"type":47},{},{"nodeType":28,"value":399,"marks":400,"data":401}," If you are a high-income earner, then a new high-depreciation rental property can provide you with significantly additional income. The extra cash flow can offset part of your own rent or might accelerate your ability to afford a home for personal use.",[],{},{"nodeType":126,"data":403,"content":404},{},[405],{"nodeType":33,"data":406,"content":407},{},[408,413],{"nodeType":28,"value":409,"marks":410,"data":412},"Asset-rich investors",[411],{"type":47},{},{"nodeType":28,"value":414,"marks":415,"data":416},": If you have substantial savings but worry about overexposure to the stock market, investing in rental property can be a compelling alternative to bonds and stocks, as it offers higher expected returns (for higher-income investors) and diversifies your risk.",[],{},{"nodeType":126,"data":418,"content":419},{},[420],{"nodeType":33,"data":421,"content":422},{},[423,428],{"nodeType":28,"value":424,"marks":425,"data":427},"Older home buyers",[426],{"type":47},{},{"nodeType":28,"value":429,"marks":430,"data":431},": If you are an older home buyer, you may find that banks require a very high monthly repayment for the type of home you desire for yourself. Investing in a rental property instead might then be a more viable option. ",[],{},{"nodeType":33,"data":433,"content":434},{},[435,438,446],{"nodeType":28,"value":281,"marks":436,"data":437},[],{},{"nodeType":238,"data":439,"content":441},{"uri":440},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fshould-i-buy-a-tenanted-property-for-own-use-in-germany.add",[442],{"nodeType":28,"value":443,"marks":444,"data":445},"Considering buying a tenanted apartment to live in yourself? We explain the key factors.",[],{},{"nodeType":28,"value":281,"marks":447,"data":448},[],{},1,"Thu, 1 May 2025 13:46:27 +0000","Fri, 14 Nov 2025 16:12:12 +0000","Germany: Buying a Home for Yourself or for Rental?","Compare buying property to rent vs. live in. Discover 5 reasons why renting out can be smarter, including avoiding capital gains tax & tax breaks.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1BDcPvi2mzeBFIVvlqqnfv\u002Fabf527e40f0e9ff8c0723e9fcafc2a9d\u002FSEO-news-800x534.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FBREsGn1gx9DcyD4pQALKk\u002Fa5f48eeb8aa0c84c46f29e6e909672a7\u002Fnews-1692x918.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3kGcvr2GW8kEtd7JQ0cWcA\u002F50c325f611f4dd4f8acb77bf7e244ec8\u002Fnews-523x366.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3NzWx2N8wlCWlS1En4EUqK\u002F374157194aab2f8b564784efb65ea54a\u002Fnews-1692x918.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1WlfuHRDFpibnFyPC6XmVv\u002Fda2a3a06981f3b1adec1a3edbaf1b867\u002Fnews-523x366.webp","en","Germany has a few very unusual provisions that make being a landlord financially very attractive: you can avoid paying any capital gains tax, and on top reduce your tax burden. Other factors can tip the scale too, like living in a rent-controlled apartment.",[463,465,467,469,471,474],{"key":464,"value":29},"#h-avoiding-all-capital-gains-tax",{"key":466,"value":60},"#h-lowering-your-tax-burden",{"key":468,"value":205},"#h-special-depreciation-programmes",{"key":470,"value":299},"#h-rent-control",{"key":472,"value":473},"#h-financing-terms","Financing Terms ",{"key":475,"value":358},"#h-what-profiles-benefit-most-from-a-rental-property",[477,483,491],{"slug":478,"title":479,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":10,"preview":480,"category":12,"categoryTitle":481,"categoryCode":482},"property-prices-germany-2026","Where It Still Makes Sense to Buy a Home in Germany – 2026","For future homebuyers and investors, the question in 2026 isn't if you should buy in Germany, but where. This article examines the findings of the latest Postbank Property Atlas to reveal affordable regions with strong growth potential.","Property Search","dd",{"slug":484,"title":485,"listPicture":486,"listPictureMobile":487,"listPictureWebp":488,"listPictureMobileWebp":489,"preview":490,"category":12,"categoryTitle":481,"categoryCode":482},"property-prices-in-berlin","Berlin Property Prices and District Guide","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3Jzb07ZQZiCP8QhWbgO2Tc\u002F8f9363fc6ad54220d266ea5df0f7b9f6\u002Fproperty-prices-berlin-800x430.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F18hJSOMw6bJSjApAYwCt9c\u002F250d03ebe7b859087df48fc470ab088e\u002Fproperty-prices-berlin-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F12Ku3btn4KByYlfkRY2nLw\u002Fb199e50aa7182d3d7e2e5121cd79e55b\u002Fproperty-prices-berlin-800x430.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F40xEmpDSUZs5HSBEu1j8fA\u002Fbdf6ded281c838e92b5dc7d43f5c8c07\u002Fproperty-prices-berlin-380x243.webp","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.",{"slug":492,"title":493,"listPicture":494,"listPictureMobile":495,"listPictureWebp":496,"listPictureMobileWebp":497,"preview":498,"category":12,"categoryTitle":481,"categoryCode":482},"benefits-investment-property-germany","Why Being a Landlord is So Attractive in Germany?","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2v1gVQ7rW8iroGk9v5BelF\u002F042913ad467ae079a9e8b3eff5774453\u002Frent-or-buy-in-germany-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1RJw8JzlKIZpFp8yqKyzd9\u002F73514c70b76371210677e870913a9d10\u002Frent-or-buy-in-germany-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F32i9vpXi8qTtbRP0tTzsCp\u002Fe6ffaa411151aa33b31d762369dd528d\u002Frent-or-buy-in-germany-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5sUcTnCNyhKIzPQcrQUDGl\u002F709d66fd60ce3d5b750a42b6de9eb96f\u002Frent-or-buy-in-germany-380x243.webp","Germany has an unusually generous system for investment properties, and the returns are high. Read here what you need to know.",1789044656769]