Antwort auf dave__wave #Investitionen #Geld #Unternehmen #Vermieter #Vermieter

Added: 2026-05-22

[00:00:00]% financing at 5.1% interest or 90% financing at 4.7% interest. And this is usually where ordinary investors differ from investors who have bigger plans. For a moment's thought, let's imagine the apartment cost €100,000 and you have to pay 5.1% interest. Then we're talking about €5100 in interest per year. If you currently have 4.7% interest on, say, a loan amount of €90,000, then you only have to pay €4230. So you're now saving €870 in interest per year. Your stake: €10,000.

[00:00:44]So you have €10,000 less in your account and therefore have to pay €870 less. If you now say, okay, you'll invest the €870 you're saving in the ETF, then you can do that. Then it will take you 9 to 10 years to get your money back.

[00:01:04]Your equity capital, one of the most important things when it comes to real estate, namely liquidity.

[00:01:12]And you always have to consider whether you are seriously prepared to invest these €10,000 in order to save €870 per year? Personally, in recent years, no. No, I wasn't.

[00:01:25]I never was and probably never will be, if we're talking about larger spans. So now we're talking about a reduction from 6% interest to 3% interest. Yes, we can talk about that, because you'll make good returns then. But an 8% return on your €10,000? You could have achieved that with the same €10,000 you saved, simply by investing it on the stock market or with your next property purchase, because you could tell the bank again: "Hey, I still have €10,000 here, look, I do have money."

[00:01:53]Accordingly, I don't think that's a great deal, because as I said, you only save €870 on an investment of €10,000. This is nothing particularly extreme in the real estate industry, where we can have unlimited returns on equity in the first year, but above all, we can also have normal returns on equity of between 15 and 30%. Everyone has to decide that for themselves. Um, exactly. That wouldn't have been for me. I would have taken the 100% financing with the 5.1% interest rate. You can factor in the interest anyway, right? Those are just normal expenses you have anyway. Accordingly, I would always prioritize equity liquidity, and even paying 0.4 percentage points more interest on the total amount is not a major problem for me.