Podcasts von Sabine Krauß

09.09.2022

Baufinanzierung

Finance ABC 22th sequence - interview over capital investment versus own used object

Would you like to rent out an appartment and live for rent by yourself or would you like to live in your own appartment. Fabienne finds Finance made an interview over this topic. Just listen into it. Should you have any further questions, please feel... weiterlesen

10.06.2022

Baufinanzierung

Finance ABC 21th sequence - impact of increasing interest on the the total tenor

Doesn't it sound funny: The interests have been increased and the total tenor becomes shorter? I tried to explain this in today's podcast. Just listen to it. For further questions, please contact me. weiterlesen

30.05.2022

Baufinanzierung

Finance ABC 20th sequence - impact of increasing interest on the financing

It is amazing, also for me. How can it be that projects are manageable for months ago and not anymore? Please look into the podcast a couple of arguments about the impact of increasing interest. If you have further questions or would like to discuss... weiterlesen

18.05.2022

Baufinanzierung

Finance ABC 19th sequence - capital investment versus own used object

This question is coming up very often before the first real estate object with the benefit of using tax advantages of the rental process. It also comes up in very expensive areas like Munich, where an own used appartment is not affordable, so people take... weiterlesen

11.05.2022

Baufinanzierung

Finance ABC 18th sequence - new building versus existing object

One of the topic which is always discusses. For both exist pros and cons - regarding price, availibility, financiability, creativity and so on. Just listen to this podcast and get in touch with me for furhter questions and deeper insight. weiterlesen

24.04.2022

Baufinanzierung

Finance ABC 17th sequence - rent versus own object

This is a question, which nearly aways come up in our first conversation. Now, based on the increasing interests, even more. Please listen to my podcat and make for yourself a list of plus and minus. If you have additional questions just contact... weiterlesen

19.04.2022

Baufinanzierung

Finance ABC 16th sequence over the area as part of the pricing

One of the main point for the choice of a real estate object are the 4 "Ls" - Location, Location, Location. This also triggers the eveluation of the bank. Do you have a better eveluation, you might get a better pricing, or even better - it is doable or... weiterlesen

10.04.2022

Baufinanzierung

Does the current situation impact YOUR real estate dream

In nearly every conversation this question is discussed. Consequently, I would like to summarize in today's podcasts a few comments, pros and cons. However, nobody has the glass bowl and can preview development on prices, interests etc., these are... weiterlesen

04.04.2022

Baufinanzierung

Finance ABC 15th sequence over the modernization as part of the pricing

A lot of customers ask here: Why? First, every bank is different. One part of the credit decision is the eveluation of the real estate. In the case of an older one, might be it is not financiable without modernization - since this enables the bank for... weiterlesen

29.03.2022

Baufinanzierung

Finance ABC 14th sequence over the additional costs as part of the pricing

The additional costs depend on the area you live (tax between 3,5-6,5%), how complex the land registration book/real estate object is (notary/land registration cost, normally around 1,75%), new or used object/object with or without real estate object.... weiterlesen

21.03.2022

Baufinanzierung

Finance ABC 13th sequence over the amortization as par of the monthly rate

In today's podcast there is an overview about the amortization. Everybody is only talking: "What is your best interest?" How different bank are handling the amoritzation different. Is it better to pay higher amortization or working with Extra-payments.... weiterlesen

06.03.2022

Baufinanzierung

Finance ABC 12th sequence over the interest as price for the money

People are approaching me very often, what is the interest you can offer. Before we talk about the offer, let me explain the different components and kind of interests. If you have further questions, please contact me. weiterlesen

28.02.2022

Baufinanzierung

How to start as a foreigner the project "real estate financing"

A lot of my customers are foreigners, living for 3-4 years in Germany and want to buy their first real estate. This also has to be financed. The first steps are shown in my interview with me from Fabienne find finance. Just listen to it. weiterlesen

21.02.2022

Baufinanzierung

Finance ABC 11th sequence: the Quality of the documents requested by the bank

As an agent I am standing between the bank and the costumer - I think with an advantage for both. I am able to explain the customer a lot of features in more details, warn customers about some things and help the banker to bring a lot of request in more... weiterlesen

14.02.2022

Baufinanzierung

Finance ABC 10th sequence: Personal liability under the Grundschuld

After you signed the purchase agreement at the notary, you also sign the Grundschuld - the security for the bank. This also contains your personal liability, which sounds a little bit tough, however, you only owe the outstanding debt in total, this means... weiterlesen

07.02.2022

Baufinanzierung

Finance ABC 9th sequence over the interest in the Grundschuld

It always happens that customers are not well informed and are totally surprised at the notary, that in the Grundschuld an interest of 14 or 15% is mentioned. Listen into the podcast to find out about the background of the high interest, which is not... weiterlesen

31.01.2022

Baufinanzierung

Finance ABC 8th sequence over the value behind the Grundschuld and the process of putting the Grundschuld in place

A Grundschuld of 300.000 does not mean that the value of the object is 300.000! How is the value of the Grundschuld linked to the value of the object? How does the Grundschuld comes into the land register? Any questions open? Please contact me. weiterlesen

24.01.2022

Baufinanzierung

Finance ABC 7th sequence over a Grundschuld - land charge

The security of the bank: Grundschuld, this week and the next 3 weeks will cover the topic Grundschuld. You, as customer, should understand what this is - you comitt yourself regardings your object and personal! weiterlesen

17.01.2022

Baufinanzierung

Finance ABC 6th sequence over a fordward loan

Listen, this is important if your loan will expire soon and you will have an amount to be lock in, again. Then it might makes sense to lock in a binding interest today. The contracts starts to today, however, the new interest will start with the date... weiterlesen

10.01.2022

Baufinanzierung

Finance ABC 5th sequence over the different partners in the real estate market

In today's podcast I give you an overview about the real estate financing market. I also give the recommendation going to an independent partner providing you an overview about the whole market, making the research for you and - if honest - trying to... weiterlesen

03.01.2022

Baufinanzierung

Finance ABC 4rth sequence: Regular and extraordinary repayments

This podcast is about the amortization: Normally banks require a minimum repayments of 2-2,5%, there is also a bank, which accepts 1% and there are some requesting 3%. However, a 2-2,5% is reasonable, for some customers with for example high bonus, it... weiterlesen

20.12.2021

Baufinanzierung

Finance ABC 3rd sequence: Fixed rate versus total running time

This is one of the most discussions and explanations, I have with customers. Here we have to differentiate very strict: if the total running time is nearly 40 years, the lock-in period only 10, the customer takes a pretty high risk on his book. This can... weiterlesen

06.12.2021

Baufinanzierung

Does Corona impact my dream for a real estate?

This topic nearly comes up in every conversation: I would like to give you the different aspects of Corona which could be impact the realization of your real estate dream. You will discuss this further more along with your real estate investment? Just... weiterlesen

24.11.2021

Baufinanzierung

Finance ABC 2nd sequence: Different kind of loans

Last week I talked about a mortgage in principal, this week I would like to go further in detail in different kind of loans, so annuity loan, repayment loan (with a repayment substitute like Bausparvertrag or life insurance) and variety loan. weiterlesen

15.11.2021

Baufinanzierung

Finance ABC 1st sequence about Mortgage

Today is the first sequence of my Finance ABC about the characterics of a mortgage. Any questions left, please contact me. weiterlesen

08.11.2021

Baufinanzierung

Announcement of my Finance ABC

This week is only an announcement of my Finance ABC, which will start next week. In the following weeks I would like to look over the basis descriptions of descriptions and processes around the real estate financing in Germany. If there are any open questions,... weiterlesen

25.10.2021

Baufinanzierung

Help through a sparingpartner based on completely open communication

Help is only possible if the partner has the same information, regarding good and bad news - at the end it will come out. Our cooperation should be based on truth and fairness. A financial planing is long-term, so in the end it ONLY works if we both work... weiterlesen

20.10.2021

Baufinanzierung

What is the real estate financing interest in 2021

One of the most questions, I am asked. A pretty easy question, a very complicated answer, because a lot of "It depends on....". An finally it fluctuates. Even if we had a slow market for a long time, now it seems to start moving. weiterlesen

12.10.2021

Baufinanzierung

Can I afford a real estate object with my net income

This is the question is most often asked at the beginning of every consulting. The question is not the "can" , it is more "how much do I want to afford" without having to much burden for the future. A budget planing with six numbers is done quick, however,... weiterlesen

04.10.2021

Baufinanzierung

What is the best bank for real estate financing

A difficult question, because there is more behind than only 9 words: Tenor, login-period, personal creditworthiness, kind of object, building year of the object and your personal requirements regarding a real estate financing. weiterlesen

28.09.2021

Baufinanzierung

Erbbaurecht - leasehold

This is - especially for foreigners - always a secret, which is very often not sufficient explained by the agent. The potential buyer always thinks that he buys cheap! Let me explain a little bit. weiterlesen

21.09.2021

Baufinanzierung

The advantages of a consultant in the real estate process

There are plenty of advantages like know how transfer, intermediary, independency, market research, best conditions, flexibility - just hear into it. weiterlesen

14.09.2021

Baufinanzierung

Riester along with a real estate financing

A little background for a Riester along with a real estate - and the advice, do not sign anything without having understood it completely. weiterlesen

02.09.2021

Baufinanzierung

Bausparvertrag along with a real estate financing

There are situations where a Bausparvertrag might make sense - for a very long interest security, sometimes for better eveluation at some banks or for a better worst case cost calculation at a bank. However, it is not always recomendable and the most... weiterlesen

22.08.2021

Baufinanzierung

Is a Bausparvertrag or Riester a benefit for a real estate financing

I always see that international customers sign up for Bausparvertrag or Rister shortly before they buy a real estate with the argument the financing is then easier. Please, try to understand what your are signing! I try to give you a brief overview. weiterlesen

15.08.2021

Baufinanzierung

Bereitstellungszinsen - Comittment Fee

The comittment Fee is always a difficult topic to understand. Most people are not concerned. Please find in the podcast an explanation of the comittment fee. weiterlesen

09.08.2021

Baufinanzierung

The parallel running credit and notary process

How does it work with the credit process? How does it work with the notary process? weiterlesen

03.08.2021

Baufinanzierung

The pressure in the buying process

Yes, the market is currently a seller and not a buyer market. Yes, you should be good prepared, you should be motivated, full of passion, quick. And - don't let other people make to much pressure on yourself. It might take some time til you find your... weiterlesen

19.07.2021

Baufinanzierung

Potential risks which come along with a real estate financing

This is an overview over the main risk. You do not have to cover everything 100%, however, you should be aware of the existing risks and you decide how far you would like to cover them. The main point is definetely paying back your loan. weiterlesen

13.07.2021

Baufinanzierung

The Role of the evaluation in the credit approval process

One of the main thing in the credit approval process is the bank evaluation of your future real estate. Especially in times of increasing prices this becomes - next to your own creditworthiness- very important. weiterlesen

27.06.2021

Baufinanzierung

Live holding costs in the credit approval

Every bank calculates different, this is the main point in the credit approval process on the personal side. The object side will come next week. weiterlesen

21.06.2021

Baufinanzierung

Should I go to the notary before bank approval

Even if the financing is relatively safe, I can promise, a bank may often see it different. There are a few examples for non-approval in the podcast. weiterlesen

14.06.2021

Baufinanzierung

Different kinds of real estate financings

An overview through the jungle, how to finance best in which situation and what kind of financings to exist in the real estate world. weiterlesen

07.06.2021

The logic behind financing

The logic is based on your personal needs, being described by the magic triangle of the asset management with the 3 edges rentability, flexibility and security and is also valid for the real estate financing side. Furthermore the different objects... weiterlesen

23.05.2021

Baufinanzierung

Additional cost in the real estate financing

Overview over the additional costs in a real estate financing (real estate agent fee, notary costs, taxes) weiterlesen

17.05.2021

Baufinanzierung

The three most important aspects of a real estate

Sorry, I do not explain it here, you have to listen to the podcast, however, it is really important. Enjoy the podcast. weiterlesen

17.05.2021

Baufinanzierung

Actual situation: Increasing interest and costs of building material

Currently, we see increasing interests and also increasing cost for building materials (like wood, insulation material, steel...). What should you do now? weiterlesen

17.05.2021

Baufinanzierung

Different steps in the sucessful consulting process

The target would not be only doing a quick real estate financing, however to be your partner in the whole process, which might be very different, denpending on your personal situation (salary, equity, single vs. familiy etc) and real estate (appartment... weiterlesen

26.04.2021

Baufinanzierung

The preconditions for a successful real estate financing

Before starting with a real estate search/financing there are a few preconditions which should be fulfilled. Please let me tell you about. weiterlesen

19.04.2021

Baufinanzierung

Budgeting process

This is the most important step at the beginning, so that you know, what kind of object you start looking at. weiterlesen

08.04.2021

Baufinanzierung

Baufinanzierung for foreigners in English

The main steps from the first decision til the moving into the dream object. The single steps will be described deeper in the upcoming podcasts. weiterlesen