Great content Hans. Watching all your videos and in most of your videos you are considering Afa Share (Depreciation) as 12 % instead of 2 %, which can completely change the entire cashflow scenario. Can you share how you chosen 12 %?
Hi Hans! I stumbled upon your channel this afternoon, and luck would have it that you uploaded this new video only yesterday :) I have several questions, but one that I am very curious about: How often, or how much, are you able to leverage equity from 1 property against a loan for financing a the purchase of another? Is there a certain amount of time/equity necessary to quality for a second loan for a second property (I'm speaking from the perspective of someone who might own a single rental, and how long he/she might need to then use that property to help get a new loan for another property!). I hope I am making sese, and I am really curious about your experience and thoughts on such a situation! Thank you and cheers from Koelle!
Moin! Glad you made it to my channel! You can usually only get one loan per property. But you can (technically) get as many loans as you want as long as you a) usually always contribute the side costs from your own equity (roughly 10% of overall purchase price) and b) as long as you have a positive cashflow across your portfolio. As long as that's the case, most banks would finance you indefinitely. Especially if you have higher salary (70+k Euros before tax), you an really finance a lot of properties (even if they are not fully cashflow positive). Hope that helps! :)
@@financeHans still looking and learning about the German market and rules around renting but your videos are helping a lot, Germany is especially attractive because of its lower prices compared to its neighbours, the Netherlands and especially Switzerland (lol), and its substantial number of renters. Btw, are you selling that excel sheet? ;)
Hello Hans, Nice content and very structured explanation in "the German way" 😅 in all your videos. What do you mean by "would be happy to manage it for you as well?" It would be interesting to know. I am based in South Germany too. Tx
Hello, I watched every video of your RUclips channel very carefully, very good. But your channel views are less. Because the videos of the channel are not riched in the title, description and tag with the correct keywords, as a result of which people are not reaching, so the views are not increasing. I can see your problems if you want
Well done Hans
Thanks! Are you interested in buying apartments yourself? I'm thinking about selling 1-2 of my own apartments privately
Great content Hans. Watching all your videos and in most of your videos you are considering Afa Share (Depreciation) as 12 % instead of 2 %, which can completely change the entire cashflow scenario. Can you share how you chosen 12 %?
Yes. I got a "Restnutzungsdauergutachten" which leads to a higher depreciation - 12% in my case.
@@financeHans : Wow. Thats great. Do u suggest any particular website for assessment?
Hi Hans! I stumbled upon your channel this afternoon, and luck would have it that you uploaded this new video only yesterday :) I have several questions, but one that I am very curious about:
How often, or how much, are you able to leverage equity from 1 property against a loan for financing a the purchase of another? Is there a certain amount of time/equity necessary to quality for a second loan for a second property (I'm speaking from the perspective of someone who might own a single rental, and how long he/she might need to then use that property to help get a new loan for another property!).
I hope I am making sese, and I am really curious about your experience and thoughts on such a situation!
Thank you and cheers from Koelle!
Moin! Glad you made it to my channel!
You can usually only get one loan per property. But you can (technically) get as many loans as you want as long as you a) usually always contribute the side costs from your own equity (roughly 10% of overall purchase price) and b) as long as you have a positive cashflow across your portfolio. As long as that's the case, most banks would finance you indefinitely. Especially if you have higher salary (70+k Euros before tax), you an really finance a lot of properties (even if they are not fully cashflow positive). Hope that helps! :)
you seem to like South Germany, what do you think of other areas like the Rhine-Ruhr region?
Should also be a good region to invest in.
Are you invested already or are you still looking for an apartment?
@@financeHans still looking and learning about the German market and rules around renting but your videos are helping a lot, Germany is especially attractive because of its lower prices compared to its neighbours, the Netherlands and especially Switzerland (lol), and its substantial number of renters. Btw, are you selling that excel sheet? ;)
yeah, that makes sense. Where are you based? You can find the excel sheet in my other videos - I published it already it for you to download.
@@financeHans thanks man, live in Switzerland since 2 yrs, came from Holland
Reach out to me via mail if you are looking to buy an apartment in Freiburg (I would be happy to manage it for you as well): finance-hans@outlook.com
Hello Hans, Nice content and very structured explanation in "the German way" 😅 in all your videos. What do you mean by "would be happy to manage it for you as well?" It would be interesting to know. I am based in South Germany too. Tx
I am wondering why did you not increase the rent price to make sure that you are not paying a 100 Euros per month from your own pocket?
There are tight renal laws in Germany. You cannot easily increase the rent that fast.
Hello,
I watched every video of your RUclips channel very carefully, very good. But your channel views are less. Because the videos of the channel are not riched in the title, description and tag with the correct keywords, as a result of which people are not reaching, so the views are not increasing. I can see your problems if you want
Sure let's discuss
@@financeHans Do you want to improve your channel and increase views?
If you want, I can give you some key words Richard
Hello