Real estate as a safe investment?

Real estate as a safe investment?

Many people look at times when interest rates are low and pensions are falling for alternative investments around and does not pass the so-called concrete gold. Real estate is regarded as stable in value and, unlike real gold, yields in the form of rent. Due to high acquisition costs, however, real estate usually only seems to be something for the big purse. Some people will also come to the idea of ​​a real estate bubble and have in mind images of ghost towns from new buildings in Italy and Spain. How safe, how lucrative and for which purse are real properties an option?

High rents as an indicator

In most German cities, rents are rising steadily. Whoever is responsible for that, argues politics. But the reason lies mainly in the market-economic connection between supply and demand. The new construction of apartment can z.Z. not nearly meet the demand. In Munich, one expects, for example, with about 150 interested parties per free apartment. Fears of a real estate bubble in Germany are therefore unfounded for the foreseeable future.

Only for the big purse?

In the industry around houses and flats is often worked with very large sums. But that does not mean that smaller money can not be invested wisely here. If you want to invest fifty or one hundred euros, you certainly do not need to think about real estate, but a few thousand euros can already invest meaningfully. The important thing is that this is a long-term investment that only makes sense if you do not need the money for other things in the foreseeable future.
Then the question arises, how do you want to invest it? Real estate funds are far better than their reputation, and solid returns can be achieved with small amounts. If you prefer to become your own landlord and / or landlord, you can earn a lot more here, but you also have to invest more and should also take into account that this is always associated with work, in the form of maintenance and administration.

Financing

Not every object can be paid for completely from its own savings. That's why nobody should exclude a purchase directly. Lending rates are on z.Z. at a historic low. Especially for real estate purchases, banks today issue loans quite easily, because they know their security. The interest rates are usually well below the potential return. The rental income alone can be used to pay off a full financing in less than ten years in the best cases! Here it is cool to calculate which own resources are available and how much debt is personally willing to accept, or how long it is likely to be needed for its eradication.

Which property for what purpose?

On relevant real estate portals in the Internet as well as in newspapers and at brokers one finds an unmanageable variety of objects. Here, it is important to filter which objects are at all eligible.
If an apartment is to be purchased for its own use, first of all the actual situation must be assessed. The return on the investment is the rent that you are currently paying, and savings through a shorter work path should be included.
Investment properties are basically all real estate. But it is important to check beforehand exactly what rental income can actually be expected afterwards. Real estate portals can also be a useful source of information here.

Bigger and more expensive is not automatically more lucrative. In particular, one-room apartments are often cheap to purchase and bring relatively high square meters rents. Another insider's tip are foreclosures, whose dates can be found on the websites of the local courts.
For ambitious do-it-yourselfers, renovation projects can also be considered. If real estate is worn out, they only provide low rental income. Even if the building is still in perfect condition, such objects can often be bought cheaply and rented after renovation at higher prices. However, the refurbishment effort should be calculated exactly.

Artikelbild: © kurhan / Shutterstock


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