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Finance property without a bank: Your smart alternative!

Finance property without a bank: Your smart alternative!

Finance property without a bank: Your smart alternative!

Finance property without a bank: Your smart alternative!

09.02.2025

Minutes

Federico De Ponte

Experte für Suchtbewältigung bei getbetta

21/02/2025

19

Minutes

Federico De Ponte
Federico De Ponte

Consultant Expert at Auctoa

The dream of owning your own home begins with the land. But what if the bank isn't cooperating? Don't worry, there are alternatives! We show you how to finance your land without the bank. Need support in finding the right financing? Get in contact with us!

The topic in brief

The topic in brief

The topic in brief

The topic in brief

Independent financing offers flexible alternatives for freelancers, real estate investors, and buyers with unconventional income situations, who are often neglected by traditional banks.

By using direct loans, crowdfunding, and investor groups, you can achieve interest savings of up to 1% and benefit from faster processing times.

Government funding programmes such as KfW promotions and regional grants can significantly reduce financing costs. A comprehensive risk assessment and professional advice are crucial for securing safe financing.

Discover innovative financing options for your land! Learn how you can make your dream of owning a home a reality, even without a bank. Get informed now!

Discover innovative financing options for your land! Learn how you can make your dream of owning a home a reality, even without a bank. Get informed now!

Realizing Property Dreams: Independent Financing as the Key

Realizing Property Dreams: Independent Financing as the Key

Realizing Property Dreams: Independent Financing as the Key

Realizing Property Dreams: Independent Financing as the Key

The dream of owning your own property doesn't have to remain a dream, even if traditional bank financing presents obstacles. Searching for ways to finance a plot without a bank opens up a variety of alternative financing models tailored to individual needs. These options often provide more flexibility and can be particularly attractive for self-employed individuals, real estate investors with complex projects, or buyers with unconventional income situations. Auctoa offers you financing advice to find the best solution for your project.

Overview of alternative financing models

Alternative financing models are gaining importance because they offer a broader range of options than traditional bank loans. These models include direct loans from private individuals, crowdfunding for real estate, peer-to-peer lending platforms, investor groups, and family offices. Each of these models has its own advantages and disadvantages that need to be carefully considered. Market analysis and evaluation play a crucial role in choosing the appropriate model.

Why traditional banks are not always the best option

Traditional banks are often characterized by stricter lending policies, longer processing times, and a need for standardization. This can be particularly problematic for borrowers who don't fit the typical mold. The strict lending policies of banks can make it difficult for self-employed individuals or freelancers to obtain a loan. The longer processing times can also be a hurdle if quick financing is needed. Furthermore, there is often a lack of necessary flexibility and customization to address the specific needs of the borrower.

Target audience: Who benefits from bank-independent financing?

Bank-independent financing is particularly attractive to certain target groups often overlooked by traditional banks. These include self-employed individuals and freelancers, real estate investors with complex projects, and buyers with unconventional income situations. These groups benefit from the greater flexibility and individual solutions offered by bank-independent financing models. Auctoa provides tailored financing solutions for these target audiences.

Self-employed and freelancers

Self-employed individuals and freelancers often struggle to obtain a loan from a traditional bank, as their income tends to be more irregular than that of employees. Bank-independent financing models take this peculiarity into account and offer flexible solutions tailored to individual income situations. This allows self-employed and freelancers to realize their property dreams without relying on the rigid requirements of banks. A solid financial plan is essential.

Real estate investors with complex projects

Real estate investors with complex projects often need financing that goes beyond standard bank offerings. Bank-independent financing models offer the opportunity to develop individual solutions tailored to the specific requirements of the project. This may include financing renovation projects, new constructions, or the development of commercial properties. Collaboration with experienced investors can be greatly advantageous. Auctoa assists you in evaluating your property.

Buyers with unconventional income situations

Buyers with unconventional income situations, such as artists or seasonal workers, often face difficulties obtaining a loan from a traditional bank. Bank-independent financing models offer the possibility of considering alternative income proofs and developing flexible solutions tailored to individual circumstances. This allows these buyers to realize their dream of owning a property as well. An emergency plan is particularly important in such cases.

Direct loans and crowdfunding: Optimal use of private financial sources

Direct loans and crowdfunding: Optimal use of private financial sources

Direct loans and crowdfunding: Optimal use of private financial sources

Direct loans and crowdfunding: Optimal use of private financial sources

In addition to traditional financing methods, there are interesting alternatives through private lenders and investor groups to finance a property without a bank. Direct loans from private individuals, crowdfunding for real estate, and peer-to-peer lending platforms offer new ways to raise capital. Working with experienced investors and family offices can bring additional benefits but requires careful due diligence and risk assessment. The best tips for successfully financing a property include using these alternative sources.

Direct Loans from Private Individuals

Direct loans from private individuals are an increasingly popular alternative to traditional bank financing. These loans are provided directly from individuals to borrowers, without a bank acting as an intermediary. This allows for the negotiation of individual terms and the benefit of lower interest rates. However, it is important to carefully weigh the risks and ensure a solid contract structure. The contract structure should always be reviewed by a notary.

Crowdfunding for Real Estate

Crowdfunding for real estate is an innovative way to raise capital for a property project. It involves appealing to many small investors, each contributing a small amount. The sum of many small investments can result in substantial capital. Crowdfunding offers the advantage of being relatively accessible and reaching a wide audience. However, it is crucial to create a compelling project presentation and convince investors of the project's profitability. The return expectations of investors should be realistic.

Peer-to-Peer Lending Platforms

Peer-to-peer lending platforms are online marketplaces that bring together borrowers and private lenders. These platforms provide a straightforward and transparent way to obtain a loan. Terms are usually negotiated individually. Peer-to-peer lending platforms offer the advantage of greater flexibility and faster processing times than traditional banks. However, it's vital to verify the credibility of the platform and carefully consider the risks. A credit check is essential here as well.

Investor Groups and Family Offices

Working with investor groups and family offices can be an attractive option to finance a property without a bank. Investor groups and family offices often have substantial capital resources and are willing to invest in promising projects. However, it is crucial to establish a solid business relationship and consider the interests of both parties. Negotiating the best price is also crucial here.

Benefits of Collaborating with Experienced Investors

Collaborating with experienced investors offers the advantage of their extensive expertise and wide network. They can provide valuable advice and support in project implementation. Furthermore, they can assist in obtaining additional funding. However, it's important to consider the interests of the investors and agree on a fair profit distribution. The profit distribution should be transparent and understandable.

Due Diligence and Risk Assessment

Before partnering with investor groups or family offices, careful due diligence and risk assessment are essential. The financial condition, reputation, and past projects of the investors should be examined. The risks of the property project should also be thoroughly analyzed and assessed. Comprehensive due diligence and risk assessment help identify and avoid potential problems early on. The risk assessment should be conducted by an independent expert.

Bausparen, Leasing, Verkäuferdarlehen: Alternative financing instruments in detail

Bausparen, Leasing, Verkäuferdarlehen: Alternative financing instruments in detail

Bausparen, Leasing, Verkäuferdarlehen: Alternative financing instruments in detail

Bausparen, Leasing, Verkäuferdarlehen: Alternative financing instruments in detail

In addition to private loans and investor groups, there are a number of alternative financing instruments that can be considered to finance property without a bank. Building society loans without a bank, real estate leasing, and seller loans offer interesting opportunities, each with specific advantages and disadvantages. These instruments can provide more flexibility when financing a property purchase.

Building Society Loans Without a Bank

Building society loans without a bank are an interesting alternative for those who wish to acquire property. These loans are not provided by traditional banks but by building societies. They are characterised by fixed interest rates and long terms. Building society loans offer the advantage of high planning security and protection against rising interest rates. However, it is important to compare the terms of different building societies and choose the best option. The interest conditions should be carefully examined.

Functionality and Benefits

A building society loan works in two phases: the savings phase and the loan phase. In the savings phase, the saver regularly pays a certain amount into the building society contract. Once the contractually agreed savings balance is reached, the saver can take out the building society loan. This loan is then used to finance the property purchase. The benefits of a building society loan include fixed interest rates, long terms, and high planning security. Planning security is a crucial advantage.

Requirements and Conditions

To obtain a building society loan, certain requirements must be met. Generally, a credit check is required. The property must also meet particular criteria. The conditions of a building society loan, such as interest and term, vary depending on the building society and tariff. Therefore, it is important to carefully compare different offers and select the best option. The credit check is an important step.

Real Estate Leasing

Real estate leasing is another alternative to traditional bank financing. With this option, the property is not purchased but leased. The lessee pays the lessor a monthly leasing fee. At the end of the leasing period, the lessee has the option to purchase the property. Real estate leasing offers the advantage of conserving liquidity and providing tax benefits. However, it is important to carefully examine the conditions of the leasing contract. The negotiation of the terms is crucial.

Model and Areas of Application

The real estate leasing model is particularly suitable for companies that need property for their business operations. It can also be of interest to individuals wanting to acquire property without investing large capital. Real estate leasing is often used in the commercial sector, for example, for office buildings, warehouses, or production facilities. However, there are also increasing offers for real estate leasing in the residential sector. The areas of application are diverse.

Tax Aspects

Real estate leasing offers tax advantages as leasing rates can be deducted as business expenses. The property transfer tax is also waived as the property is leased, not purchased. However, it is important to review the tax aspects in individual cases and seek advice from a tax consultant. Tax advice is essential.

Seller Loans

A seller loan is a form of financing where the seller of the property grants a loan to the buyer. This can be an interesting option if the buyer has difficulty obtaining a bank loan. A seller loan is usually agreed upon with a fixed interest rate and term. It offers the advantage of being quick and straightforward to conclude. However, it is important to carefully examine the terms of the seller loan and seek legal advice. Legal advice is particularly important here.

Direct Financing by the Seller

Direct financing by the seller offers the advantage that the buyer is not dependent on bank approval. This can speed up and simplify the purchasing process. However, it is crucial that the seller has sufficient financial means to grant the loan. The buyer should also be aware that they are obliged to the seller and must pay the instalments punctually. The payment obligation must be strictly observed.

Terms and Risks

The terms of a seller loan, such as interest, term, and repayment modalities, are individually negotiated between the buyer and the seller. It is important that these terms are recorded in writing to avoid misunderstandings. The risks of a seller loan should also be carefully weighed. For example, there is a risk that the buyer may become insolvent or that the seller may terminate the loan prematurely. Written documentation of the terms is essential.

KfW & Co.: Maximising the use of state funding effectively

KfW & Co.: Maximising the use of state funding effectively

KfW & Co.: Maximising the use of state funding effectively

KfW & Co.: Maximising the use of state funding effectively

In addition to the mentioned alternatives, there are also government support programs that you can use to finance a property without a bank. KfW subsidies for energy-efficient construction and renovation, as well as regional support programs from the federal states, offer attractive opportunities to reduce financing costs. It is worthwhile to thoroughly inform yourself about the various funding options and choose the right one. Auctoa supports you in finding the appropriate funding programs.

Government Support Programs

Government support programs are an important pillar of property financing in Germany. They are offered by various institutions, such as the KfW bank or the federal states. The funding programs are aimed at different target groups and have different focuses. Therefore, it is important to thoroughly research the various programs and choose the right option. The information about funding programs is crucial.

KfW Subsidies for Energy-Efficient Construction and Renovation

The KfW bank offers a variety of funding programs for energy-efficient construction and renovation. These programs target builders and owners who want to make their property energy efficient. The subsidies include low-interest loans and grants. KfW subsidies can make a significant contribution to reducing financing costs. The reduction of financing costs is a major advantage.

Regional Support Programs from the Federal States

In addition to KfW subsidies, there are also regional support programs from the federal states. These programs target specific target groups or have specific focuses. For example, there are programs for families with children or for rural areas. Regional support programs can be a useful addition to KfW subsidies. The addition of KfW subsidies is often possible.

Municipal Grants and Discounts

At the municipal level, there are often grants and discounts for land acquisition or house construction. These grants and discounts can be provided in the form of construction cost allowances, discounted building plots, or exemptions from fees. It is worthwhile to inquire with the municipality about the various possibilities. The information from the municipality is important.

Obtain Information from the Municipality

To find out about municipal grants and discounts, you should contact the municipality directly. There, you can get information about the various programs and the respective requirements. Application forms can also be requested from the municipality. The direct contact with the municipality is advisable.

Conditions and Application Procedure

The conditions for municipal grants and discounts vary depending on the municipality and program. Usually, certain requirements must be met, such as a certain income or a specific number of children. The application procedure can also vary. Therefore, it is important to thoroughly understand the conditions and application procedure before applying. The precise information about the conditions is essential.

Minimise risks: Strategies for secure property financing

Minimise risks: Strategies for secure property financing

Minimise risks: Strategies for secure property financing

Minimise risks: Strategies for secure property financing

Sound financing hinges on thoughtful risk management. When financing a property without a bank, it is particularly important to identify and minimise risks. Securities and lending values play a decisive role here. Protection against defaults and an emergency plan are also essential. Auctoa offers you professional advice on risk management.

Securities and Lending Values

Securities and lending values are an important component of any financing. They serve as security for the lender in case the borrower is unable to meet their payment obligations. In property financing, the property itself is usually the most important security. The lending value of the property is determined by a surveyor and serves as the basis for lending. The valuation of the property is crucial.

Valuation of the Property and Real Estate

The valuation of the property and real estate is an important step in financing. It is used to determine the value of the property and real estate and serves as a basis for lending. Valuation is usually carried out by a surveyor. The surveyor considers various factors, such as the location, size, condition, and potential uses of the property. A professional valuation is essential.

Impact on Financing Conditions

The lending value of the property has a direct impact on financing conditions. The higher the lending value, the more favourable the interest rates and fees tend to be. The loan term can also depend on the lending value. Therefore, it is important to set the lending value of the property as high as possible. A high lending value has a positive effect.

Protection Against Defaults

Protection against defaults is an important part of risk management. It protects the borrower from the financial consequences of a default. There are various ways to protect against defaults, such as residual debt insurance or term life insurance. Negotiating good terms is also important here.

Residual Debt Insurance

Residual debt insurance is a type of insurance that covers the outstanding loan balance in the event of a default. They protect the borrower from the financial consequences of unforeseen events, such as unemployment, illness or death. Residual debt insurance offers the advantage of high security. However, they are also relatively expensive. The high security comes at a cost.

Term Life Insurance

Term life insurance pays out the agreed insurance amount in the event of the policyholder's death. The insurance sum can then be used to repay the loan. Term life insurance offers the advantage of being an affordable way to financially secure the borrower's family in the event of death. The protection of the family is an important aspect.

Emergency Plan and Exit Strategy

An emergency plan and an exit strategy are essential for being prepared for unforeseen events. The emergency plan should include measures that can be taken in the event of financial difficulties, such as reducing expenses or taking out an additional loan. The exit strategy should outline ways to sell or rent the property in an emergency. Preparing for emergencies is crucial.

What to Do in Case of Financial Difficulties?

In the event of financial difficulties, it is important to act quickly and analyse the situation. All possibilities to reduce expenses and increase income should be examined. Taking out an additional loan can also be considered. It is advisable to seek professional help early on to manage the situation. A quick response is key.

Sale or Rental as a Solution

If all other measures are ineffective, selling or renting the property can be considered as a way out. Selling the property can serve to repay the loan and stabilise the financial situation. Renting the property can serve to generate additional income and reduce the financial burden. Selling or renting are last options.

Contracts, Taxes, Notaries: Avoiding Legal and Tax Pitfalls

Contracts, Taxes, Notaries: Avoiding Legal and Tax Pitfalls

Contracts, Taxes, Notaries: Avoiding Legal and Tax Pitfalls

Contracts, Taxes, Notaries: Avoiding Legal and Tax Pitfalls

When financing a property without a bank, legal and tax aspects are of great importance. Careful contract design and the involvement of a notary are essential. The tax-deductibility of interest and costs should also be examined. Auctoa recommends consulting a tax advisor to optimize your tax burden. Our financing solutions also consider these aspects.

Contract Design and Notary

Drafting the contract is an important step in financing a property. The loan agreement should include all crucial points, such as the loan amount, interest rates, duration, and repayment terms. The securities and terms for early termination should also be regulated in the loan agreement. The loan agreement should be notarized by a notary. The notarization by a notary is important.

Important Clauses in the Loan Agreement

The loan agreement should include all crucial clauses that govern the rights and obligations of the borrower and the lender. This includes clauses on the loan amount, interest rates, duration, repayment terms, securities, and conditions for early termination. It's important to carefully review all clauses and seek legal advice if there are any uncertainties. The legal advice is recommended.

Role of the Notary in Notarization

The notary plays an important role in the notarization of the loan agreement. They check the legal validity of the loan agreement and ensure that all parties understand the significance and consequences of the contract. The notary also advises the parties on their rights and obligations. Notarization by the notary provides high security and protects against future disputes. The security provided by the notary is a significant advantage.

Tax-Deductibility of Interest and Costs

The interest and costs associated with financing a property can sometimes be tax-deductible. This is especially true if the property is rented out. Tax-deductibility can significantly reduce the financial burden of financing. It is advisable to seek advice from a tax advisor to make the most of the tax benefits. The tax advice is essential.

Getting Information from the Tax Advisor

To learn about the tax-deductibility of interest and costs, one should consult a tax advisor. The tax advisor can analyze the individual situation and highlight the tax benefits. They can also assist in preparing the tax return. The professional assistance is important.

Optimizing the Tax Burden

Through the tax-deductibility of interest and costs, the tax burden can be significantly reduced. Therefore, it's important to make full use of all options to optimize the tax burden. This can be achieved, for example, by choosing the right financing method or making use of tax allowances. The optimization of the tax burden is an important aspect.

Successful projects: Learn from others, avoid mistakes

Successful projects: Learn from others, avoid mistakes

Successful projects: Learn from others, avoid mistakes

Successful projects: Learn from others, avoid mistakes

Case studies and success stories can provide valuable insights into the world of non-bank land financing. They show how other projects have been successfully financed and which mistakes should be avoided. Learn from other projects and benefit from best practices. Auctoa is happy to share success stories with you.

Examples of Successful Non-Bank Land Financing

There are numerous examples of successful land financing without a bank. These examples demonstrate that it is possible to realise the dream of owning your land without the help of a bank. The success stories can be encouraging and provide valuable ideas for your financing. The inspiration from success stories is valuable.

Learning from Other Projects

Studying other projects can offer valuable insights. You can see which financing forms were successful and which mistakes were avoided. Also, challenges and solutions encountered in other projects can be helpful. Learning from experiences is important.

Best Practices and Tips

Success stories allow you to derive best practices and tips to consider in your financing. This includes, for example, choosing the right form of financing, careful planning of the financing, and safeguarding against risks. Applying best practices increases the chances of success.

Common Mistakes and How to Avoid Them

Mistakes can be made when financing a plot of land that put the financing at risk or make it more expensive. It is therefore important to know and avoid the most common mistakes. These include, for example, insufficient planning, the wrong form of financing, or a lack of protection against risks. Avoiding mistakes is crucial.

Traps in Financing

There are various traps that lurk in the financing of a plot of land. These include, for example, hidden costs, unfavourable conditions, or unclear contract terms. It is important to protect yourself against these traps and seek professional advice. Professional advice protects against mistakes.

Checklist for Successful Financing

To ensure successful financing, you should create a checklist and tick off all important points. The checklist should include items such as planning, form of financing, securities, protection against risks, and legal and tax aspects. The checklist serves as a guide.

Alternative Financing: Your Strategy for Purchasing Land

Alternative Financing: Your Strategy for Purchasing Land

Alternative Financing: Your Strategy for Purchasing Land

Alternative Financing: Your Strategy for Purchasing Land

The non-bank financing offers a variety of options to realise the dream of owning land. It is important to weigh the advantages and disadvantages of the various forms of financing and choose the right strategy for individual needs. Auctoa supports you in finding the suitable financing solution and making your dream of owning land come true. We offer you comprehensive advice.

Summary of the Key Points

Non-bank financing provides an attractive alternative to traditional bank financing. It offers more flexibility, individual solutions, and often more favourable conditions. However, it is important to carefully consider the risks and seek professional advice. Professional advice is essential.

Advantages and Disadvantages of Non-bank Financing

The advantages of non-bank financing lie in its flexibility, individual solutions, and often more favourable conditions. The disadvantages are higher risks and greater effort. It is important to carefully weigh the pros and cons. The evaluation of advantages and disadvantages is crucial.

Decision Support for the Right Financing Strategy

To choose the right financing strategy, one should first get an overview of the different forms of financing. Then, one should weigh the pros and cons of each form of financing and select the appropriate strategy for individual needs. It is advisable to seek professional advice. Professional advice aids decision-making.

Future Prospects and Trends

The financing market is constantly evolving. New technologies and innovations continually open up new financing opportunities. It is important to stay informed about current trends and developments to make the best use of financing options. Information about trends is important.

Development of the Financing Market

The financing market is continuously evolving. New technologies and innovations, such as crowdfunding or peer-to-peer lending, are changing the landscape of financing. It is important to follow these developments and make use of new opportunities. Monitoring developments is crucial.

New Opportunities and Innovations

New opportunities and innovations, such as blockchain technology or artificial intelligence, continually open up new perspectives for financing. It is important to be informed about these new possibilities and utilise them where appropriate. Information about new opportunities is important.

Alternative financing: examine realistic option

Alternative financing: examine realistic option

Alternative financing: examine realistic option

Alternative financing: examine realistic option

Financing a plot of land without a bank is certainly a realistic option that requires careful consideration. There are numerous alternative financing models offering flexibility and tailored solutions. Comprehensive information, a realistic assessment of your financial situation, and legal advice are essential to minimise risks and increase opportunities. Financing your plot need not fail due to rigid bank guidelines.

Summary of Advantages and Disadvantages

Alternative financing models offer both advantages and disadvantages compared to traditional bank financing. The advantages lie in flexibility, tailored solutions, and independence from banks. The disadvantages include higher risks, higher costs, and more effort.

Weighing Up the Different Financing Models

Careful consideration of the various financing models is crucial to find the best option for your needs. Take into account your financial situation, risk tolerance, and goals. Seek advice from an expert to make the optimal choice.

Outlook on the Future of Alternative Financing

The future of alternative financing looks promising. More and more people are seeking alternative financing models to realise their dreams. Digitisation and new technologies are opening up new possibilities, making alternative financing more accessible and attractive.

Trends and Developments

Trends and developments in the field of alternative financing indicate that the importance of these financing models will continue to grow. New technologies such as blockchain and artificial intelligence are creating new opportunities and making alternative financing more accessible and efficient. It is important to stay informed about current trends and developments to seize opportunities and minimise risks.

Recommendations for Prospective Land Buyers

Prospective land buyers are advised to thoroughly inform themselves about the various financing models, realistically assess their financial situation, and seek legal advice. Personalised advice is the key to success. Use the market analysis to accurately assess the value of the plot.

Personalised Advice as Key to Success

Personalised advice is the key to success in financing a plot of land without a bank. An expert can help you understand the various financing models, minimise risks, and increase opportunities. They can also assist in structuring the financing and ensure that all important points are considered.

Government grants and funding programmes make acquiring your dream plot easier. Whether it is a new build or an investment, the available funding programmes make financing attractive and achievable.

With a variety of funding programmes, there are numerous ways to reduce the costs of acquiring a plot. At Auctoa, we provide comprehensive advice and support in choosing the right financing, meeting technical requirements, and navigating the application process.

By opting for alternative financing, you invest in the future of your project. You not only reduce your reliance on traditional banks but also secure a flexible and tailored solution.

Now is the perfect time to explore financing options for your plot. Contact us today to start your personalised consultation and secure your financing quickly and easily.

FAQ

FAQ

FAQ

FAQ

What are the benefits of independent financing for the self-employed?

Self-employed individuals benefit from greater flexibility and tailored solutions as independent financiers often consider irregular income situations.

What alternative financing models are there to finance a property without a bank?

Alternatives include direct loans from private individuals, real estate crowdfunding, peer-to-peer lending platforms, investment groups, and family offices.

How can I make the most of direct loans from private individuals?

Ensure solid contract design, have the contract reviewed by a notary, and carefully weigh the risks.

What are the advantages of real estate crowdfunding?

Crowdfunding is relatively easy to access and reaches a wide audience. An impressive project presentation is important.

What role do investment groups and family offices play in property financing?

Investment groups and family offices often have substantial capital resources and are willing to invest in promising projects. A strong business relationship is crucial.

What government funding programmes can I use to reduce financing costs?

KfW funding for energy-efficient construction and renovation as well as regional funding programmes from the federal states offer attractive opportunities.

How can I protect myself against payment defaults in independent financing?

Residual debt insurance and term life insurance provide protection against the financial consequences of a payment default.

What legal aspects need to be considered in independent financing?

Careful contract design and the involvement of a notary are essential. The tax deductibility of interest and costs should also be examined.

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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.