[{"data":1,"prerenderedAt":111},["ShallowReactive",2],{"blog-category-mortgage-advanced-en":3},{"categoryInfo":4,"articles":14},{"urlSuffix":5,"categoryKey":6,"order":7,"colorClass":8,"localeSwitchSlug":9,"en":10},"dd","mortgage-advanced",4,"#3BB9CB","erweiterte-fortgeschritten",{"slug":6,"title":11,"extendedTitle":12,"description":13},"Mortgage Advanced","Advanced Mortgage Articles","Mortgages are complex but we're here to help, that's why we've created this series of advanced mortgage topics to help you understand how mortgages in Germany work.",[15,20,28,36,44,52,60,68,73,81,89,97,103],{"slug":16,"title":17,"listPicture":18,"listPictureMobile":18,"listPictureWebp":18,"listPictureMobileWebp":18,"preview":19,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"how-long-hold-german-investment-property","How Long Should You Hold a German Investment Property? The 10-Year Mark","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FFwf8c3iP38sPvdwmwH8GU\u002F97ddd83be7aa200a4bcc538100e55965\u002FGemini_Generated_Image_tqxxwdtqxxwdtqxx.png","Discover how depreciation and taxes shape the real return on a German investment property, and why year 10 changes everything.\n",{"slug":21,"title":22,"listPicture":23,"listPictureMobile":24,"listPictureWebp":25,"listPictureMobileWebp":26,"preview":27,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"cash-out-mortgage-from-your-existing-property-in-germany","Cash-Out Mortgage: How to Unlock Wealth from Your Existing Property in Germany?","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","Whether your property is fully paid off or still under mortgage, here’s how to make the most of its value.",{"slug":29,"title":30,"listPicture":31,"listPictureMobile":32,"listPictureWebp":33,"listPictureMobileWebp":34,"preview":35,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"depreciation-laws-real-estate-germany-2025","How Real Estate Investors Can Use Depreciation to Maximize Their Tax Refund and Returns in Germany","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6uzqPGPW3Mw3RBiqNux20P\u002F3516855e65f3ae34df2b60aac3ecf16c\u002Flist_image_blog___800_x_511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3u6dXL9VvI7Ff3UgiFsout\u002F0276fb7993278a2dc6284a36e6dc8f2a\u002Fmobile_list_image_blog___380_x_243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3LCu1SHfSVuoBxcm8b1nGS\u002F2340223a565e2f1ea2967b6bbcc7b28f\u002Flist-image-blog-_-800-x-511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7Ez33N8mB0Euz1khdzI36S\u002F9e4db4f279e4d6c21682250103cda261\u002Fmobile-list-image-blog-_-380-x-243.webp","Depreciation rules were already exceptionally generous in Germany compared to other countries, where depreciation of buildings is rarely possible.",{"slug":37,"title":38,"listPicture":39,"listPictureMobile":40,"listPictureWebp":41,"listPictureMobileWebp":42,"preview":43,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"kfw-300-great-subsidy-for-energy-efficient-houses-in-germany","KFW 300: Great Subsidy for Energy-Efficient Houses in Germany","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6Xlw0LdXZVddirBPm75qOz\u002F4875c4b955b495608574a9bc969680f4\u002Flist_image_blog___800_x_511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5AO7rL9OXWwhcdszwbi4Yh\u002Fa0af4d71b4cb44c730f26eb8372b8cd1\u002Fmobile_list_image_blog___380_x_243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6QA58zlR1TXMY8fwTdaK5d\u002F5e3ced1c803c4a2e338b83251e89ee34\u002Flist-image-blog-_-800-x-511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5OGL1Hs395aEZd5XDGsI74\u002Fe12282e192c0f3a509ce24ebc5750288\u002Fmobile-list-image-blog-_-380-x-243.webp","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. ",{"slug":45,"title":46,"listPicture":47,"listPictureMobile":48,"listPictureWebp":49,"listPictureMobileWebp":50,"preview":51,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"bausparvertrag-for-refinancing","How a \"Bausparvertrag\" can help you avoid high interest rates for refinancing","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F73BKhDY4fQOvdqCp4ElamN\u002F372e754358e01b5197127f12d2f2000d\u002Fblue-card-holder-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002Fsvdm4RKRfhKtlf4ELFYZi\u002Ff14c65ee53663bf8ca5a7c2cab3d37ed\u002Fblue-card-holder-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2Zfz4rVHK40ZzNgmNYZ7v\u002F047f9c3e20ad26969864c234d72816d0\u002Fblue-card-holder-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3OUZyRIKIFRo9mV8b6FeLn\u002Fa2d45c9fb52b2e3c9683d7d44d898758\u002Fblue-card-holder-380x243.webp","Worried about the future interest rate on your mortgage? We have some solutions that can minimize your interest rate risk!",{"slug":53,"title":54,"listPicture":55,"listPictureMobile":56,"listPictureWebp":57,"listPictureMobileWebp":58,"preview":59,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"german-mortgage-kfw","KfW Loans and Conditions for 2026 and How It Applies to Your German Mortgage","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5c7cIO42DSe8gIapPI2xRH\u002F890b7841c75c3f4522b2bac6a9c7091c\u002Fkfw-forderungen-neubau-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FSr3EvnmQPafzj0Hch0URX\u002Fc1b82fa894f607e630baf402c3f9acfb\u002Fkfw-forderungen-neubau-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2ZtnmYfRpwgcHn1POhxgmB\u002F3843fc99fbb13f35df182cbd0462b923\u002Fkfw-forderungen-neubau-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5vIiqCB371EvWmfi7gRqaC\u002Ff52bf42f74542226e4ecf47dcaab6c88\u002Fkfw-forderungen-neubau-380x243.webp","Planning to buy, build, or renovate a home in Germany? Check KfW loans and subsidies—your mortgage advisor can assess their benefits for you.",{"slug":61,"title":62,"listPicture":63,"listPictureMobile":64,"listPictureWebp":65,"listPictureMobileWebp":66,"preview":67,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"couples-mortgage-split","How couples can split the mortgage cost and value of the house","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F72VbqFBHMXen0hTw1rdRNB\u002F21bceea4b71bea184d94e97baba931b6\u002Fhow-couples-split-the-mortgage-cost-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1lEDAGCKNZprOM2u83vpYo\u002F04424c7ca5551a893d72dbfc8f93130e\u002Fhow-couples-split-the-mortgage-cost-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4wmbN5r3SANMdps1Ek4RQJ\u002Fa36104559a2fbaeda8255c9d332f477b\u002Fhow-couples-split-the-mortgage-cost-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3raes1LE5GYvNcidVi88jG\u002F48e2bde3bed101626fce3bef40e1d591\u002Fhow-couples-split-the-mortgage-cost-380x243.webp","When couples buy a house together, the question often arises how to split the mortgage costs. What you should consider.",{"slug":69,"title":70,"listPicture":71,"listPictureMobile":71,"listPictureWebp":71,"listPictureMobileWebp":71,"preview":72,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"wohndepot-germany","The Wohndepot: A New Subsidy for Future and Existing Home Owners","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F79VtQ9Bq41USTxaZ1cGsEI\u002F772e190127a6cdc2c592c42c283f1200\u002FThe_Wohndepot.png","Learn how to use the Altervorsorge Depot to Save for a Home or Reduce Your Mortgage in Germany: The Wohndepot Explained\n",{"slug":74,"title":75,"listPicture":76,"listPictureMobile":77,"listPictureWebp":78,"listPictureMobileWebp":79,"preview":80,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"coronavirus-mortgage","What does Covid-19 mean for your mortgage plans?","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6coXuOxKuysAIQkRi24M5q\u002F9b04a40b7396028439bdf993d2e257f9\u002Fcorona-800x511_2x.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7DrQozz9G7IQdguRd7INuY\u002F68b8f0e7097c0c3ded8140f36bd33e56\u002Fcorona-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F39NE60Vkr2u2FnFJeYNz8D\u002F4019decbff9846934a948ff42950f147\u002Fcorona-800x511_2x.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4UR4YNOO8zIBGgc8N97G2G\u002F3fe9cd201520440552dabb8e6bc9420f\u002Fcorona-380x243_1x.webp","The Coronavirus is a tragedy. Here is a deep dive to make sense of the impact on the economy, to help you in your housing decision.",{"slug":82,"title":83,"listPicture":84,"listPictureMobile":85,"listPictureWebp":86,"listPictureMobileWebp":87,"preview":88,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"kfw-40-qng-guide","KfW 40 QNG: The Comprehensive Guide to Subsidies, Costs, and Requirements","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FFCkyyfHiFgJX5IPAatzDn\u002Fe6ca561618a29110e76ed616c816213e\u002Fincrease-affordability-800x430.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F44TTyGYuOxLu0VV4xuxxq9\u002F95a4680746f00924322ef51e1a45dc61\u002Fincrease-affordability-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F459Mc4bEQ1eaPOhWqHCYG6\u002Fc3f8775364b127e0381f846f5220d2ab\u002Fincrease-affordability-800x430.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F39BPfWqntuwRhBqXccn1l0\u002F61508462595702a2b98be8b81081ef1f\u002Fincrease-affordability-380x243.webp","Here you will find out everything about KfW 40 QNG: what it is, which subsidies are available, and whether it is worthwhile for you.",{"slug":90,"title":91,"listPicture":92,"listPictureMobile":93,"listPictureWebp":94,"listPictureMobileWebp":95,"preview":96,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"ehegattenschaukel-a-great-tax-hack-for-rental-properties-in-germany","Ehegattenschaukel: A Great Tax Hack For Rental Properties in Germany?","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FSgJQQ9ZdpnCCKNBqQORJn\u002F8b7fbb15d689bdfb4651d0d45c835b53\u002Fanschlussfinanzierung-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3qeZ9WLR5ZXtEEs7s6cNdz\u002F08e0e83e8e2c488a2b698da27001c4c2\u002Fanschlussfinanzierung-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2a890FBGrGxXZBcwdNqMiF\u002F1da7ab77367ecd91bd7fa7969bd5fd35\u002Fanschlussfinanzierung-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F47f4BThDQffI9Q5URy6gmR\u002Ff3fc1993fde06dbf0cd0d94ddab8cf04\u002Fanschlussfinanzierung-380x243.webp","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. ",{"slug":98,"title":99,"listPicture":100,"listPictureMobile":100,"listPictureWebp":101,"listPictureMobileWebp":101,"preview":102,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"bausparvertrag-mortgage-germany","Is a Bausparvertrag Useful When Buying a Home in Germany?","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fbausparvertrag-germany-list-image.jpg","https:\u002F\u002Fa.hypofriend.de\u002Fn\u002Fbausparvertrag-germany-list-image.webp","A Bausparvertrag is still quite popular in Germany. These are complex products that can be very useful, but also problematic.",{"slug":104,"title":105,"listPicture":106,"listPictureMobile":107,"listPictureWebp":108,"listPictureMobileWebp":109,"preview":110,"category":6,"categoryCode":5,"categoryColor":8,"categoryTitle":11},"pause-your-mortgage-payments-due-to-corona","Mortgage payment moratorium: Pause repayments for 3 months","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4FXKxVstwqmyKKuh8XFl5G\u002F77d3c337d0c06a3071b0e41f61588a0d\u002Fpause-mortgage-corona-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1BZFXR6UGMBCUqqxYoZ7ot\u002F619f017b3be31e9e4ab07de1437ac27a\u002Fpause-mortgage-corona-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5gOohNFFoOTs8DCWegXx9g\u002Fd38cb9d4eddd321157d3445cb00fd4a1\u002Fpause-mortgage-corona-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6wauizzLY3wb2zk8pCL0ME\u002F2b03f5a8a4d4b40dff63266073339ef5\u002Fpause-mortgage-corona-380x243.webp","Germany has passed a law that allows you to pause the repayment for your mortgage for three months.",1784630945080]