Should I borrow the maximum amount or should I save some equity?

This is a vital question and depends on several factors and your preferences.

If you are a savvy investor, you will generally want to invest your savings and spread them over other investments.

However, if you are buying real estate for the first time, it makes sense to purchase a property that will become the cornerstone of your financial future. It is important to understand that, given the high additional purchase costs in Germany, it makes sense to live in a property as long as possible or to rent it out afterwards, but not to sell it.

The question also depends on your personal plans. If you plan to have a family in the future, it makes sense to buy a property that offers you and your family space for a long time, in order to avoid having to move. In this case, we recommend that you maximize the possible loan amount and, if necessary, invest your savings in the property.

Our financing experts will be happy to advise you and help you make this important decision.