[{"data":1,"prerenderedAt":211},["ShallowReactive",2],{"blog-article-customer-story-richard-magda-en":3},{"article":4,"recommendedArticles":184},{"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":164,"publishedAt":165,"createdAt":165,"updatedAt":166,"seoTitle":167,"seoDescription":168,"seoKeywords":169,"seoImage":170,"mainPicture":171,"mainPictureMobile":172,"mainPictureWebp":173,"mainPictureMobileWebp":174,"language":175,"subTitle":169,"actionLabel":169,"actionType":169,"actionText":169,"id":169,"introduction":176,"tableOfContentArray":177},"customer-story-richard-magda","Getting a mortgage in Germany with Magda and Richard","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F14msy2PCFuvwltxVOorXS8\u002Ffe58b806a5a9070499c4cc8fb59709aa\u002Frichard-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4ceVnGf6zGLnp6NtCBuL10\u002Fc0eafa781aff4a797323b92671e5af85\u002Frichard-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F30IqhLxUIw5vVJjX4GfZpZ\u002F1ab3c2eafc7eb0a6aac45c66b7378644\u002Frichard-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F76zAF098yPRHiu0SK9uzON\u002Fd726186fceae27e87ae8fc2683c1a2af\u002Frichard-380x243.webp","Richard and Magda connected with Hypofriend right from the start of the process. This article tells their experience buying a property.","customer-stories","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', $event)\" href=\"#h-how-did-the-process-of-buying-a-home-go\">\n    How did the process of buying a home go?\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-why-did-you-not-work-with-your-normal-bank-to-get-a-mortgage\">\n    Why did you not work with your normal bank to get a mortgage?\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-what-would-you-recommend-your-friends-to-do-when-buying-their-first-home\">\n    What would you recommend your friends to do when buying their first home?\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Cp>We have two young boys, Alex, 11, and Adam, 6, both of whom now go to the same school here in Pankow, which is very convenient for us. We have a beautiful classical high-ceilinged apartment in Budapest and were keen to explore at least the idea of owning something similar in Berlin, if at all possible, before property prices increase any further here, and given how difficult finding a flat to rent has become for newcomers.\u003C\u002Fp>\n\u003Ch2 id=\"h-how-did-the-process-of-buying-a-home-go\">How did the process of buying a home go?\u003C\u002Fh2>\n\u003Cp>Overall, it went quite smoothly, mainly because we connected with Hypofriend right from the start of the process. Richard found them online while beginning his research on the Berlin housing market.\u003C\u002Fp>\n\u003Cp>Hypofriend sat down with us and explained the buying process, document requirements, timelines, and key considerations when choosing mortgage products. As expats with no German language skills, having all this explained in English very clearly was invaluable to us.\u003C\u002Fp>\n\u003Cp>The most difficult part was really finding the right place for our requirements and budget. We needed something big enough with three bedrooms, cycling distance from our school, and well-connected to Magda’s work, Mitte and Prenzlauer Berg.\u003C\u002Fp>\n\u003Cp>Hypofriend armed us with a mortgage pre-approval, which meant we were taken seriously by vendors. As soon as we found a property, they also very quickly helped us work out what we could or could not afford in terms of specific mortgage commitments.\u003C\u002Fp>\n\n            \u003Cpicture>\n              \u003Csource type=\"image\u002Favif\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=avif&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=avif&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=avif&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=avif&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=avif&w=1922 2x\n                    \">\n              \u003Csource type=\"image\u002Fwebp\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=webp&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=webp&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=webp&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=webp&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?fm=webp&w=1922 2x\n                    \">\n              \u003Cimg loading=\"lazy\" class=\"image-fluid\" alt=\"richard-1\" sizes=\"(min-width: 961px) 961px, 100vw\" width=\"961\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?w=1922 2x\n                    \" src=\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg?w=961\">\n            \u003C\u002Fsource>\u003C\u002Fsource>\u003C\u002Fpicture>\n          \n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperties\">Looking for your dream home? Find it with our Hypofriend property search!\u003C\u002Fa>\u003C\u002Fp>\n\u003Ch2 id=\"h-why-did-you-not-work-with-your-normal-bank-to-get-a-mortgage\">Why did you not work with your normal bank to get a mortgage?\u003C\u002Fh2>\n\u003Cp>We had told our bank that we would be interested in talking to an advisor a number of times when we first arrived, but they never responded back, so we were looking for alternative solutions pretty early on. But to be honest, after meeting Hypofriend, we didn’t bother to pursue any alternatives.\u003C\u002Fp>\n\u003Cp>We knew that they were much better placed to secure the best mortgage deal for us as they work with all the relevant banks in Germany anyway, and they could better explain and help us through the whole process from start to finish.\u003C\u002Fp>\n\u003Ch2 id=\"h-what-would-you-recommend-your-friends-to-do-when-buying-their-first-home\">What would you recommend your friends to do when buying their first home?\u003C\u002Fh2>\n\u003Cp>Do some initial market research on what you think you can afford and where you would like to live. Be flexible on this one if you can, Berlin is huge and many districts outside the inner circle are attractive too, but more affordable. Once you have a basic idea of your numbers, income, etc., set up a meeting with Hypofriend! You will not go wrong.\u003C\u002Fp>\n\u003Cp>\u003Cb>Looking for a mortgage? \u003C\u002Fb>Use Hypofriend’s \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart\">affordability calculator\u003C\u002Fa> to see what you can afford based on your personal situation.\u003C\u002Fp>",{"nodeType":20,"data":21,"content":22},"document",{},[23,32,40,47,54,61,68,85,104,111,118,125,132,139],{"nodeType":24,"data":25,"content":26},"paragraph",{},[27],{"nodeType":28,"value":29,"marks":30,"data":31},"text","We have two young boys, Alex, 11, and Adam, 6, both of whom now go to the same school here in Pankow, which is very convenient for us. We have a beautiful classical high-ceilinged apartment in Budapest and were keen to explore at least the idea of owning something similar in Berlin, if at all possible, before property prices increase any further here, and given how difficult finding a flat to rent has become for newcomers.",[],{},{"nodeType":33,"data":34,"content":35},"heading-2",{},[36],{"nodeType":28,"value":37,"marks":38,"data":39},"How did the process of buying a home go?",[],{},{"nodeType":24,"data":41,"content":42},{},[43],{"nodeType":28,"value":44,"marks":45,"data":46},"Overall, it went quite smoothly, mainly because we connected with Hypofriend right from the start of the process. Richard found them online while beginning his research on the Berlin housing market.",[],{},{"nodeType":24,"data":48,"content":49},{},[50],{"nodeType":28,"value":51,"marks":52,"data":53},"Hypofriend sat down with us and explained the buying process, document requirements, timelines, and key considerations when choosing mortgage products. As expats with no German language skills, having all this explained in English very clearly was invaluable to us.",[],{},{"nodeType":24,"data":55,"content":56},{},[57],{"nodeType":28,"value":58,"marks":59,"data":60},"The most difficult part was really finding the right place for our requirements and budget. We needed something big enough with three bedrooms, cycling distance from our school, and well-connected to Magda’s work, Mitte and Prenzlauer Berg.",[],{},{"nodeType":24,"data":62,"content":63},{},[64],{"nodeType":28,"value":65,"marks":66,"data":67},"Hypofriend armed us with a mortgage pre-approval, which meant we were taken seriously by vendors. As soon as we found a property, they also very quickly helped us work out what we could or could not afford in terms of specific mortgage commitments.",[],{},{"nodeType":69,"data":70,"content":76,"asset":77},"embedded-asset-block",{"target":71},{"sys":72},{"id":73,"type":74,"linkType":75},"5cxHmnReTOjwKe7AwbBaTs","Link","Asset",[],{"fileName":78,"details":79,"url":84},"richard-1.jpg",{"size":80,"image":81},126800,{"width":82,"height":83},1692,918,"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5cxHmnReTOjwKe7AwbBaTs\u002F730945d5f325ebcc3b68e98294e47435\u002Frichard-1.jpg",{"nodeType":24,"data":86,"content":87},{},[88,92,101],{"nodeType":28,"value":89,"marks":90,"data":91},"",[],{},{"nodeType":93,"data":94,"content":96},"hyperlink",{"uri":95},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperties",[97],{"nodeType":28,"value":98,"marks":99,"data":100},"Looking for your dream home? Find it with our Hypofriend property search!",[],{},{"nodeType":28,"value":89,"marks":102,"data":103},[],{},{"nodeType":33,"data":105,"content":106},{},[107],{"nodeType":28,"value":108,"marks":109,"data":110},"Why did you not work with your normal bank to get a mortgage?",[],{},{"nodeType":24,"data":112,"content":113},{},[114],{"nodeType":28,"value":115,"marks":116,"data":117},"We had told our bank that we would be interested in talking to an advisor a number of times when we first arrived, but they never responded back, so we were looking for alternative solutions pretty early on. But to be honest, after meeting Hypofriend, we didn’t bother to pursue any alternatives.",[],{},{"nodeType":24,"data":119,"content":120},{},[121],{"nodeType":28,"value":122,"marks":123,"data":124},"We knew that they were much better placed to secure the best mortgage deal for us as they work with all the relevant banks in Germany anyway, and they could better explain and help us through the whole process from start to finish.",[],{},{"nodeType":33,"data":126,"content":127},{},[128],{"nodeType":28,"value":129,"marks":130,"data":131},"What would you recommend your friends to do when buying their first home?",[],{},{"nodeType":24,"data":133,"content":134},{},[135],{"nodeType":28,"value":136,"marks":137,"data":138},"Do some initial market research on what you think you can afford and where you would like to live. Be flexible on this one if you can, Berlin is huge and many districts outside the inner circle are attractive too, but more affordable. Once you have a basic idea of your numbers, income, etc., set up a meeting with Hypofriend! You will not go wrong.",[],{},{"nodeType":24,"data":140,"content":141},{},[142,148,152,160],{"nodeType":28,"value":143,"marks":144,"data":147},"Looking for a mortgage? ",[145],{"type":146},"bold",{},{"nodeType":28,"value":149,"marks":150,"data":151},"Use Hypofriend’s ",[],{},{"nodeType":93,"data":153,"content":155},{"uri":154},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart",[156],{"nodeType":28,"value":157,"marks":158,"data":159},"affordability calculator",[],{},{"nodeType":28,"value":161,"marks":162,"data":163}," to see what you can afford based on your personal situation.",[],{},5,"Tue, 3 Mar 2020 11:31:11 +0000","Wed, 27 Nov 2024 09:33:13 +0000","Magda & Richard: Getting a mortgage in Germany","This article tells you the story of two happy new homeowners from Hypofriend and their experience buying a property in Germany.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1HAjyvXLwcjwT4jvD7Kkpn\u002F4c0432ff95f787af069429a3e4b715c3\u002FSEO-600x320-magda.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3cqeNET2pmFL2MKbTps47q\u002Fcfeb39d9d68a7330029f82d66a4d089e\u002Frichard-1692x918.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3vbFJUsxZZHcLsMu5k4fUv\u002F8043a0fd92e8b8f83149401f4b33bf0d\u002Frichard-523x366.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5kuwILdLorVkiNRC3UYWx4\u002F9eb7e1282bd342eb265ba354312c0552\u002Frichard-1692x918.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2GMKAwEt7I3TR3PHlxn1h9\u002Fa81bca4a8cddac46527cd9c3e950658f\u002Frichard-523x366.webp","en","We moved to Berlin in 2018 from Budapest, where Richard spent 10 years renovating and managing apartments for investment and Airbnb. Magda works as a Division Director in an international human rights foundation that has now relocated to Berlin. Richard is learning German full time and has established a concrete interior design business making kitchen benchtops and bathroom sinks in Berlin.",[178,180,182],{"key":179,"value":37},"#h-how-did-the-process-of-buying-a-home-go",{"key":181,"value":108},"#h-why-did-you-not-work-with-your-normal-bank-to-get-a-mortgage",{"key":183,"value":129},"#h-what-would-you-recommend-your-friends-to-do-when-buying-their-first-home",[185,195,203],{"slug":186,"title":187,"listPicture":188,"listPictureMobile":189,"listPictureWebp":190,"listPictureMobileWebp":191,"preview":192,"category":12,"categoryTitle":193,"categoryCode":194},"building-a-house-in-the-countryside","Jana & Ale: Building a house in the countryside in Germany","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7flChYsqEOvlBTU7CEjbaV\u002Fb47ac753ddb19b2e62e5de63b18c3392\u002Fhome-buying-story-jana-ale-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3uTCSNrph2VoqJjcga3dG\u002Fec8213ccd8f0fc932eed98655d639c74\u002Fhome-buying-story-jana-ale-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3q35BPGTkMhHROAy9GYiQW\u002F21cdcef814224bfd328e4b44abeec24d\u002Fhome-buying-story-jana-ale-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4CyKyHoKuCpSMnvai9yLka\u002F25251f8dd154c0aa41304dcea5044445\u002Fhome-buying-story-jana-ale-380x243.webp","Find out how Hypofriend helped Jana & Ale realize their dream of home ownership and build their own house in a village in Germany.","Customer Stories","it",{"slug":196,"title":197,"listPicture":198,"listPictureMobile":199,"listPictureWebp":200,"listPictureMobileWebp":201,"preview":202,"category":12,"categoryTitle":193,"categoryCode":194},"home-buying-story-ariella-adrian","Ariella & Adrian: The Buying Story of the Happy Homeowner","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5QksLe90uLCV54qTesfhW\u002Fd4a3ed7a52ebc87cc751db9423655dab\u002Fhome-buying-story-ariella-adrian-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4fIVAj1qxziGDtRz41BSMx\u002F60c7b5191f2af8c83b4ceea4838c2076\u002Fhome-buying-story-ariella-adrian-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F30XdeAXW5poOeLtiI7yZAQ\u002Fab17c94d25879b77917c49f7dc42e0fb\u002Fhome-buying-story-ariella-adrian-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7EdusKwYMG4qrKFx3Oz1tn\u002F5b8c002a9a1a24bed9995a73c0ba197c\u002Fhome-buying-story-ariella-adrian-380x243.webp","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.",{"slug":204,"title":205,"listPicture":206,"listPictureMobile":207,"listPictureWebp":208,"listPictureMobileWebp":209,"preview":210,"category":12,"categoryTitle":193,"categoryCode":194},"reddit-reviews-hypofriend","What Reddit Thinks About Hypofriend: Real Reviews From the Community","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F57fzlwsnHmbuSUMLBYMNWx\u002F679c382806ce025582baacfcdab49ab2\u002Fstephen-alice-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6jZtSy7SWT1YRqpuvHvRFp\u002F4b7fad699d988d600203b334f6a09c63\u002Fstephen-alice-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4BaUxkZ8xUYorSrCv8YNBq\u002F7ebee2ee9812b555fb7b4d34b11f4533\u002Fstephen-alice-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4X4fVu4MXbhBOjq4IfLyWx\u002F102be05493c649d99908bfc1f9d86e11\u002Fstephen-alice-380x243.webp","See what people on Reddit think of Hypofriend.",1784815558447]