Mortgages in Germany explained

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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Cash-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.
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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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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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Sondertilgung: A popular but overrated option
Who doesn't like the idea of being able to repay extra on their mortgage? That is what “Sondertilgung” is. But is it a good idea?
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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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