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Buying a recreational property near you: How to make it happen!

Buying a recreational property near you: How to make it happen!

Buying a recreational property near you: How to make it happen!

Buying a recreational property near you: How to make it happen!

09.02.2025

Minutes

Federico De Ponte

Experte für Suchtbewältigung bei getbetta

21/02/2025

21

Minutes

Federico De Ponte
Federico De Ponte

Expert for Real Estate at Auctoa

You want to buy a recreational property nearby, but financing is an obstacle? No problem! There are ways to realize your dream of owning your own piece of nature. Find out now about clever financing strategies and discover how financing specialists can assist you. More information can be found in our contact section.

The topic in brief

The topic in brief

The topic in brief

The topic in brief

A good credit rating is crucial for financing a recreational property without capital. Improve your Schufa report, stabilise your income, and minimise your expenses.

Use alternative financing methods such as home savings loans or crowdlending to compensate for the lack of your own funds. This can increase your chances of securing financing by up to 30%.

Consider all additional costs and development costs and seek expert advice to find the best financing solution and secure your financial burden in the long term. A comprehensive cost calculation helps to avoid unexpected expenses.

Do you dream of owning your own recreational property? Discover how you can make your dream come true – even without personal capital! We show you the best financing options and what to look out for when buying.

Do you dream of owning your own recreational property? Discover how you can make your dream come true – even without personal capital! We show you the best financing options and what to look out for when buying.

Leisure property nearby: How to finance your dream

Leisure property nearby: How to finance your dream

Leisure property nearby: How to finance your dream

Leisure property nearby: How to finance your dream

The challenge: Leisure property without equity?

The dream of owning a leisure property nearby is a big wish for many people. Whether as a retreat from the stressful daily routine, a green oasis for the family, or an investment in the future – owning a property offers various possibilities. However, the question of financing often arises, especially when little or no equity is available. This article shows you how to realise your dream of a leisure property nearby even without substantial savings.

Definition: What does “buying a leisure property nearby” mean?

A leisure property differs from a building plot primarily through its use. While a building plot is primarily intended for the construction of a residential house, a leisure property is used for relaxation and leisure activities. This can be a garden, a woodland, or a meadow. Regional relevance, meaning the definition of “nearby,” strongly depends on your individual needs and preferences. For some, “nearby” means a short drive from the city; for others, it’s within walking distance from home.

  • Distinction from building plots: Leisure properties are often not permitted for permanent building.

  • Regional relevance: The definition of “nearby” is subjective and depends on your preferences.

Why equity is often essential

Banks consider the financing of a property without equity as risky. Equity serves as security and demonstrates that you are financially responsible. The less equity you bring in, the higher the interest rates usually are, and the stricter the requirements for your creditworthiness. Nevertheless, there are alternative financing methods that enable you to realize your dream of a leisure property nearby even without substantial savings.

The banks’ perspective: Risk assessment and creditworthiness

Banks assess the risk of financing based on various factors. These include your creditworthiness, your income, your expenses, and your existing debts. The better your creditworthiness and the higher your income, the higher your chances of financing without equity. A clean credit report is crucial. Baufi24 emphasises that only a few lenders are willing to offer full financing because it represents a higher risk.

Alternative financing solutions

Besides classic bank financing, there are alternative ways that allow you to purchase a leisure property even without equity. These include building loan agreements, crowd lending, and government support programmes. These options can help compensate for the lack of equity and fulfill your dream of owning a property. It is advisable to seek advice from financing specialists to find the best solution for your individual situation.

Improve Creditworthiness: How to Secure Financing

Improve Creditworthiness: How to Secure Financing

Improve Creditworthiness: How to Secure Financing

Improve Creditworthiness: How to Secure Financing

Your creditworthiness is crucial if you want to finance a recreational property nearby without any capital. Good credit standing indicates to banks that you are a reliable borrower and able to meet your financial obligations. There are various strategies and measures you can take to improve your credit rating and increase your chances of securing financing.

Improving Creditworthiness: Strategies and Measures

A positive Schufa report, stable income, and low expenses are the cornerstones of a good credit rating. Regularly check your Schufa report and correct any incorrect entries. Ensure you maintain a stable employment situation and a sufficiently high income. Minimize your expenses and avoid unnecessary debts. These actions show banks that you have control over your finances and present a low default risk. Finanztip emphasizes the importance of a comprehensive assessment of the borrower's financial situation by the banks.

Optimizing Schufa Report: Correcting Errors, Deleting Entries

Schufa stores data about your payment behaviour. Incorrect or outdated entries can negatively affect your credit rating. Regularly request a Schufa report and check the stored data. Incorrect entries should be corrected or deleted immediately. This can significantly improve your credit rating and increase your chances of obtaining finance. It is important to know that completed loans and contracts remain stored in Schufa for some time. After the storage period, these entries are automatically deleted.

Proof of Income: Stability and Amount of Income

A stable and sufficiently high income is an important factor for creditworthiness. Banks usually require proof of income from the past few months or years to assess your financial situation. The more stable and higher your income, the better your chances of securing financing without capital. Additional income, such as rental income, can also positively influence your creditworthiness. It is advisable to compile all relevant proof of income carefully and present it to the bank.

Minimising Expenses: Keeping a Household Book, Reducing Unnecessary Costs

A household book helps you gain an overview of your income and expenses. Analyse your expenses and identify unnecessary costs that you can reduce. The lower your monthly expenses, the more money you will have available to repay the loan. This increases your creditworthiness and your chances of financing without capital. It is advisable to keep a realistic household book and adjust it according to your financial capabilities.

Offering Additional Securities

In addition to good creditworthiness, you can increase your chances of obtaining financing by offering additional securities. These include guarantees, pledging assets, or using existing properties as collateral. These securities reduce the risk for the bank and enhance your creditworthiness.

Guarantees: Engaging Family or Friends as Guarantors

A guarantee provides additional security for the bank. A third party commits to standing in for your debts if you are unable to pay them. Guarantors can be family members or friends with good credit standing. A guarantee can significantly increase your chances of financing without capital, as it reduces the risk for the bank. However, it is important that the guarantor is aware of their responsibility and understands the financial implications of a guarantee.

Pledging Assets: Securities, Life Insurance

You can also pledge assets, such as securities or life insurance, as collateral for the loan. The bank then receives a lien on these assets and can utilise them in the event of a default. Pledging assets can enhance your chances of financing without capital as it reduces the risk for the bank. However, it is important to carefully weigh the pros and cons of pledging and understand the potential implications.

Using Existing Property as Security

If you already own a property, you can use it as collateral for the loan. The bank then receives a mortgage on your property and can utilise it in the event of non-payment. Using an existing property as security can significantly enhance your chances of financing without capital as it reduces the bank's risk. However, it is important to carefully weigh the pros and cons of such a mortgage and be aware of the potential implications. Optifin emphasizes that an already existing property can positively affect creditworthiness.

100% Financing: How to Finance the Entire Purchase Price

100% Financing: How to Finance the Entire Purchase Price

100% Financing: How to Finance the Entire Purchase Price

100% Financing: How to Finance the Entire Purchase Price

There are various financing models that enable you to purchase a leisure property nearby even without personal equity. These models differ in their prerequisites, costs, and risks. It is important to carefully assess the different options and choose the solution that best fits your individual situation.

100% Financing: Fully Finance the Purchase Price

With 100% financing, the bank covers the entire purchase price for the property. This means you don't need to contribute any equity. However, the prerequisites for 100% financing are very strict. You need a top credit rating, a secure job, and low expenses. In addition, interest rates are generally higher, and terms are longer compared to financing with equity. Baufi24 points out that only a few lenders are willing to offer full financing.

Requirements: Top Credit Rating, Secure Job, Low Expenses

To obtain 100% financing, you must demonstrate an excellent credit rating. This means you must not have any negative credit entries and must have a stable income. Furthermore, your monthly expenses should be low so that you can easily manage the loan installments. A secure job is also a crucial factor as it provides the bank with reassurance of your ability to fulfill financial obligations in the future.

Higher Interest Rates and Longer Terms: Keeping Costs in Mind

Since the bank takes on a higher risk with 100% financing, interest rates are usually higher than with equity financing. Additionally, the terms are often longer to reduce monthly installments. This, however, results in paying more interest over the life of the loan. It is therefore important to keep the total financing costs in mind and not be misled by the low monthly installments. Finanztip cites an example of approximately 4% interest for standard construction loans compared to potentially 6.6% for installment loans in October 2024.

110% Financing: Covering Purchase Price and Additional Costs

110% financing not only covers the purchase price of the property but also additional costs, such as land transfer tax, notary, and court fees. The requirements for 110% financing are even more stringent than for 100% financing. You need a perfect financial situation and a very good credit rating. The risk of over-indebtedness is particularly high with 110% financing. Baufi24 explains that 110% financing covers all costs, including purchase price and ancillary acquisition costs.

Even Stricter Requirements: Perfect Financial Situation

To obtain 110% financing, you must present a nearly perfect financial situation. This means you not only need an excellent credit rating and stable income but also should have low expenses and no existing debts. The bank examines your financial situation very closely and places great importance on your creditworthiness. It is therefore crucial to carefully compile all relevant documents and present them to the bank.

The Risk of Over-Indebtedness: Careful Planning is Essential

Since you are financing the entire purchase price and additional costs with 110% financing, the risk of over-indebtedness is particularly high. It is thus important to plan the financing carefully and not overextend yourself. Consider all costs associated with purchasing the property and realistically calculate your monthly installments. Also, plan financial reserves to cover unforeseen expenses. Careful planning is essential to minimize the risk of over-indebtedness.

Alternatives to Traditional Bank Financing

In addition to traditional bank financing, there are alternative financing methods that allow you to purchase a leisure property nearby even without equity. These include building savings loans, crowdlending, and rent-to-buy options. These alternatives can help you compensate for the lack of equity and fulfill your dream of owning your own property.

Building Savings Loans: Fixed Terms, Independent of Risk Assessment

A building savings loan is an option to finance a leisure property without equity. Building savings loans are characterized by fixed terms that are independent of your risk assessment. This can be particularly advantageous for individuals with little equity. However, you must first sign a building savings contract and save a certain amount before you can take out the loan. Optifin mentions building savings loans as an option with fixed terms not based on a risk assessment.

Crowdlending: Financing Through Numerous Investors

Crowdlending is a relatively new form of financing where a large number of investors participate in your project. You present your project on a crowdlending platform and attract investors. When enough investors are found, you receive the required capital. Crowdlending can be an interesting alternative to traditional bank financing, especially if you encounter challenges in obtaining a bank loan. However, you should be informed about the risks of crowdlending and carefully review the terms of the platforms.

Rent-to-Buy: Rent First, Then Buy – A Long-Term Option

With rent-to-buy, you initially rent the property and later have the option to purchase it. A portion of the rent is applied to the purchase price. Rent-to-buy can be an interesting option if you currently lack sufficient equity but plan the purchase of the property over the long term. However, you should be informed about the terms of rent-to-buy and carefully weigh the pros and cons.

Avoiding cost traps: Accurately calculate additional costs and development expenses

Avoiding cost traps: Accurately calculate additional costs and development expenses

Avoiding cost traps: Accurately calculate additional costs and development expenses

Avoiding cost traps: Accurately calculate additional costs and development expenses

When purchasing a recreational plot nearby, you will incur additional costs including incidental expenses and development costs alongside the purchase price. These expenses can quickly become a significant part of the overall budget. Therefore, it's important to keep all costs in view and carry out a complete cost calculation.

Comprehensive Cost Calculation: Keep Track of All Expenses

A comprehensive cost calculation includes all expenses associated with purchasing the plot. This includes land transfer tax, notary and court fees, and possibly the broker's commission. Development costs should also be included in the calculation. A detailed cost calculation helps you realistically assess your budget and avoid financial surprises. Optifin emphasizes the importance of a comprehensive cost calculation, including incidental expenses and development costs.

Land Transfer Tax: Varies by State

Land transfer tax is a levy that becomes due when purchasing a plot. The amount of the land transfer tax varies depending on the state. Therefore, find out about the current tax rate in your state before purchasing. The land transfer tax is charged on the purchase price of the plot and is payable to the tax office within a certain period. It is advisable to consider the land transfer tax when planning your financing.

Notary and Court Fees: Essential Expenses

Notary and court fees are indispensable expenses when buying a plot. The notary is responsible for certifying the purchase contract, and the court for registering the change of ownership in the land register. The amount of notary and court fees is legally regulated and depends on the purchase price of the plot. It is advisable to inform yourself about the expected notary and court fees before purchasing and include them in your cost calculation.

Broker's Commission: Only When Using a Broker

If you employ a broker to purchase the plot, a broker's fee will apply. The broker's commission is negotiable but usually falls between 3 and 6 percent of the purchase price, plus VAT. The broker's commission is only payable if you have actually hired the broker and they have successfully arranged the plot for you. It is advisable to negotiate the broker's commission with the broker in advance and include it in your cost calculation.

Development Costs: Connections for Electricity, Water, and Sewerage

Development costs are expenses incurred for connecting the plot to the public network for electricity, water, and sewage. The amount of development costs depends on various factors, such as the location of the plot and the extent of the required work. It is advisable to inform yourself about the expected development costs before purchasing and include them in your cost calculation. Optifin recommends negotiating development costs or opting for a plot with existing connections.

Negotiation Possibilities: Reduce Costs Through Own Contribution

In some cases, there is the potential to reduce development costs through personal contribution. For example, you might undertake certain work yourself or share the costs. Whether and to what extent personal contribution is possible depends on the regulations of the local council or utility company. It is advisable to find out in advance about the potential for personal contribution and, if feasible, include this in your cost calculation.

Plot Selection: Prefer Plots with Existing Connections

One way to lower development costs is to prefer plots with existing connections. In such plots, connections to the public network for electricity, water, and sewage are already established, so little or no development costs are incurred. Therefore, it is advisable to pay attention to existing connections when choosing a plot and prefer them if appropriate.

Take advantage of subsidies: How to save on property purchase

Take advantage of subsidies: How to save on property purchase

Take advantage of subsidies: How to save on property purchase

Take advantage of subsidies: How to save on property purchase

The government offers various support programmes and grants for land buyers. These supports can help you reduce the costs of purchasing a recreational plot nearby and fulfil your dream of owning your own piece of land.

Federal State Support Programmes: Consider Regional Differences

The federal states provide different support programmes for housing construction and the acquisition of land. The conditions and amounts of the grants vary depending on the state. Therefore, before purchasing, find out about the current support programmes in your state. Support programmes may include grants for families with children or for purchasing land in certain areas.

Housing Assistance: Grants for Families with Children

Many states offer special grants for families with children as part of housing assistance. These grants are intended to make it easier for families with lower incomes to acquire home ownership. The amount of the grants depends on various factors, such as the number of children and the family's income. Therefore, before purchasing, find out about the current support conditions in your state.

Rural Development Support: Incentives for Purchasing Land in Certain Areas

Some states offer special support programmes for purchasing land in rural areas. These programmes aim to create incentives for buying land in certain regions and promote rural development. The conditions and amounts of the grants vary depending on the state. Therefore, before purchasing, find out about the current support programmes in your state.

KfW Loans: Low-Interest Loans for Specific Target Groups

The Kreditanstalt für Wiederaufbau (KfW) provides various low-interest loans for specific target groups. These loans can help you reduce the costs of purchasing a recreational plot nearby and achieve your dream of owning your own land.

Energy-Efficient Construction: Support for Sustainable Projects

The KfW offers low-interest loans for energy-efficient construction. If you plan to build an energy-efficient building on your recreational plot, you can benefit from these loans. The conditions and amounts of the loans depend on various factors, such as the energy standard of the building. Therefore, before purchasing, find out about the current KfW support conditions.

Accessible Building: Support for People with Disabilities

The KfW also offers low-interest loans for accessible building. If you plan to construct an accessible building on your recreational plot, you can benefit from these loans. The conditions and amounts of the loans depend on various factors, such as the level of accessibility. Therefore, before purchasing, find out about the current KfW support conditions.

Seek expert advice: How to find the best financing solution

Seek expert advice: How to find the best financing solution

Seek expert advice: How to find the best financing solution

Seek expert advice: How to find the best financing solution

Financing a recreational property nearby without equity can be complex. It is advisable to seek advice from finance specialists and mortgage brokers. These experts can help you find the best financing solution for your unique situation.

The Advantages of a Finance Specialist

A finance specialist has extensive knowledge of the financial market and can offer you personalised advice. They analyse your financial situation and develop tailored financing solutions that meet your needs. Additionally, they have access to a broad network of banks and credit institutions and can negotiate the best terms for you. Optifin repeatedly recommends consulting finance specialists to explore credit opportunities and secure favourable terms.

Personalised Advice: Tailored Financing Solutions

A finance specialist takes the time to understand your financial situation and goals. Based on this analysis, they develop tailored financing solutions that meet your needs. They consider your individual circumstances and financial possibilities. Personalised advice is crucial to finding the best financing solution for your recreational property.

Access to a Broad Network of Banks and Credit Institutions

A finance specialist has a broad network of banks and credit institutions. They know the various offers and conditions of each institution and can select the best offers for you. Through their access to a wide network, they can save you time and effort and help you find the most favourable financing.

Negotiating the Best Terms: Optimising Interest Rates and Terms

A finance specialist can negotiate the best terms for you. They know the tricks of the trade in negotiations and can help you optimise interest rates and terms. Through their negotiation skills, they can save you money and reduce your financing costs.

Recommended Mortgage Brokers

There are various mortgage brokers who can help you find the best financing for your recreational property. These brokers work with different banks and credit institutions and can present you with a variety of offers.

Dr. Klein, Interhyp, Baufi24, Hüttig & Rompf, Planethome: Use Comparison Portals

Dr. Klein, Interhyp, Baufi24, Hüttig & Rompf, and Planethome are well-known mortgage brokers who can help you find the best financing. These brokers offer you a variety of offers from different banks and credit institutions and can assist you in selecting the right financing. Use the comparison portals to get an overview of the various offers and find the best financing for your recreational property. Finanztip recommends these brokers due to their access to a wide range of lenders.

Regional Savings Banks and Cooperative Banks: Personal On-Site Advice

In addition to the large mortgage brokers, regional savings banks and cooperative banks also offer personal on-site advice. These institutions know the regional peculiarities and can make individual offers. It is advisable to also seek advice from regional savings banks and cooperative banks to find the best financing for your recreational property.

Minimising financial risks: How to secure your financing in the long term

Minimising financial risks: How to secure your financing in the long term

Minimising financial risks: How to secure your financing in the long term

Minimising financial risks: How to secure your financing in the long term

Financing a nearby recreational property is a long-term commitment. Therefore, it's essential to secure the financial burden in the long run and protect yourself against unforeseen events.

Long-term Planning: Considering Unforeseen Events

In the long-term planning of your financing, you should take into account unforeseen events such as disability, illness, or unemployment. These events can significantly impact your financial situation and jeopardize your ability to repay the loan. Therefore, it is advisable to safeguard against these risks and build financial reserves.

Disability: Protection Against Income Loss

A disability insurance protects you from income loss if you can no longer practice your profession due to illness or accident. The insurance provides you with a monthly pension to help you maintain your standard of living and meet your financial commitments. Disability insurance is particularly important if you have taken out financing without equity, as you are especially reliant on your income in such cases.

Illness and Unemployment: Building Financial Reserves

Illness and unemployment can significantly affect your financial situation. Therefore, it is advisable to build financial reserves to mitigate these risks. You could set up a savings account or invest in securities to create a financial cushion. This cushion can help you cover unexpected expenses and meet your financial commitments even during difficult times.

Interest Rate Fixation and Special Repayment Rights: Maintaining Flexibility

When choosing your financing, you should pay attention to a long interest rate fixation and special repayment rights. A long interest rate fixation protects you from rising interest rates and provides planning security. Special repayment rights allow you to make additional repayments and pay off the loan faster. This flexibility can help you reduce your financial burden and increase your financial freedom.

Long Interest Rate Fixation: Protection Against Rising Interest Rates

A long interest rate fixation protects you from rising interest rates. The interest rates on loans can change over time. By agreeing on a long fixation, the rates remain constant for a specific period. This gives you planning security and protects you from unexpected cost increases. A long interest rate fixation is particularly important if you have taken out financing without equity, as stable rates are crucial in such cases.

Special Repayment Rights: Additional Payments for Faster Debt Reduction

Special repayment rights allow you to make additional payments and pay off the loan faster. This can help you reduce your financial burden and increase your financial freedom. Special repayment rights are especially valuable if you unexpectedly come into money, for example, through an inheritance or bonus payment. Take advantage of the opportunity for special repayment to pay off your loan faster and save on interest.

Conclusion: Recreational land without equity – Realistic, but demanding

Conclusion: Recreational land without equity – Realistic, but demanding

Conclusion: Recreational land without equity – Realistic, but demanding

Conclusion: Recreational land without equity – Realistic, but demanding

Purchasing a leisure plot nearby without your own capital is realistic but challenging. It requires careful planning, good creditworthiness, and a willingness to explore alternative financing options. With the right strategy and expert support, you can realise your dream of owning a plot even without significant savings.

Summary of Key Points

The key points for financing a leisure plot without your own capital are:

  • Creditworthiness: Improve your creditworthiness with a positive credit report, stable income, and low expenses.

  • Collateral: Offer additional collateral, such as guarantees or pledging assets.

  • Financing Models: Explore alternative financing models, such as building society loans or crowd lending.

  • Incidental Costs: Consider all incidental and development costs and conduct a comprehensive cost calculation.

  • Subsidies: Take advantage of government subsidy programmes and grants to reduce your costs.

  • Expert Advice: Seek advice from finance specialists and mortgage brokers.

  • Risk Management: Secure your financing for the long term and protect yourself against unforeseen events.

Outlook: Trends and Developments in the Real Estate Market

Property prices are continuously rising. Sound financial planning is therefore essential to fulfil the dream of owning a leisure plot. The low-interest phase offers both opportunities and risks for borrowers. Take advantage of the low rates to optimise your financing, but ensure a long-term interest rate lock to protect against rising rates.

Dreaming of your own leisure plot nearby? Our experts are here to help you realise your dream. We offer comprehensive advice and support in finding the best financing solution. Contact us today to arrange a non-binding consultation. Here is the contact form

Recreational plot without own capital: Your dream is achievable!

Recreational plot without own capital: Your dream is achievable!

Recreational plot without own capital: Your dream is achievable!

Recreational plot without own capital: Your dream is achievable!

The dream of owning your own leisure property is achievable even without personal capital, but it requires careful planning, a realistic assessment of your financial situation, and a willingness to consider alternative financing models.

Summary of Key Insights

Financing without personal capital has both advantages and disadvantages. Higher interest rates and stricter lender requirements contrast with the opportunity to realise the dream of owning property even with limited financial means.

A realistic assessment of your financial situation is crucial for the success of your financing. Consider all relevant cost factors, plan a buffer for unexpected events, and thoroughly research the various financing models available.

Recommendations for Interested Parties

Create a checklist for planning and implementing your financing. Seek professional advice from financing specialists and compare the offers from various banks and lending institutions. Use government support programmes and alternative financing models to increase your chances of obtaining financing.

The next step: Arrange a consultation appointment with a financing specialist and get a customised offer. This way, you can realise your dream of a nearby leisure property and gain a piece of quality of life. Start now and contact us to begin your personalised consultation and take the first step towards your dream property. We will help you find the right financing and realise your dream of owning your own leisure property.

FAQ

FAQ

FAQ

FAQ

What is the difference between a recreational plot and a building plot?

A recreational plot is primarily used for relaxation and leisure activities, whereas a building plot is intended for the construction of a residential house. Recreational plots are often not approved for permanent construction.

What factors influence my creditworthiness when financing a recreational plot without equity?

Your creditworthiness is influenced by your credit report, your income, your expenditure, and your existing debts. A clean credit report, a stable income, and low expenditure increase your chances of obtaining financing.

What alternative financing options are there for purchasing a recreational plot without equity?

In addition to the traditional bank financing, there are building society loans, crowdlending, and government support programmes. These options can help you compensate for the lack of own funds.

What is 100% financing and what requirements must I meet?

With 100% financing, the bank covers the entire purchase amount. You need a top credit rating, a secure job, and low expenditure.

What are development costs and how can I reduce them?

Development costs are the costs for connecting the plot to the public network (electricity, water, sewage). You can reduce these by contributing your own work or opting for a plot with existing connections.

What government support programmes are available for purchasing a recreational plot?

The federal states offer various support programmes for housing construction and the acquisition of plots. The KfW provides low-interest loans for certain target groups.

Why should I consult a financing specialist?

A financing specialist has extensive knowledge of the financial market and can offer you tailored advice. They have access to a broad network of banks and can negotiate the best terms for you.

What financial risks should I consider when purchasing a recreational plot without equity?

Consider unforeseen events such as disability, illness, or unemployment. Protect yourself against these risks and build up financial reserves.

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auctoa – Your partner for precise valuations and certified appraisals. Real estate and land valuation. With digital expertise, expert knowledge, artificial intelligence, personalized advice, and comprehensive market insights.

auctoa – Your partner for precise valuations and certified appraisals. Real estate and land valuation. With digital expertise, expert knowledge, artificial intelligence, personalized advice, and comprehensive market insights.

auctoa – Your partner for precise valuations and certified appraisals. Real estate and land valuation. With digital expertise, expert knowledge, artificial intelligence, personalized advice, and comprehensive market insights.

auctoa – Your partner for precise valuations and certified appraisals. Real estate and land valuation. With digital expertise, expert knowledge, artificial intelligence, personalized advice, and comprehensive market insights.