1. The loan lever: By raising outside capital to finance your property, you can greatly adjust your personal return. A high debt ratio with a positive cash flow contributes to a higher return on equity for you.
2. The additional income stream: If your property generates a surplus after all costs, you achieve a complete income stream from the income from renting and leasing.
   With a high cash flow and the automation of processes, you can even achieve passive income.
3. Tax optimisation: As an investor, you can use real estate to structure your tax burden in a targeted manner. If you have to invest additional capital in the repayment of your loan in addition to the rent, you reduce your taxable income.
   You can also take into account upgrades, modernizations and complete renovations for tax purposes.
4. You can sell a residential property tax-free if you have lived in it for three calendar years without renting it out, or if you have owned it for ten years. If that doesn't apply to you, you'll have to pay tax on the profits from the sale at your personal income tax rate
5. You can achieve greater diversification if you own a large number of properties or hold them as part of your overall wealth. If you have a small portfolio or invest exclusively in real estate, you are at risk of a cluster risk.
6. If you rent out your property, you can use the rental income to automatically repay your loan. In this way, you can automatically and sustainably build up wealth. However, you also have to bear the costs if co-deficiencies occur or your apartment or house is empty.

First of all, you should tell your insurance company that you have moved in with your partner. If you have not taken out a single tariff, your life partner is usually also insured free of charge. If your partner already has legal protection insurance, you need to check whether you have double insurance. As a rule, the older insurance is then kept and the newer one is cancelled.

As with many things in life, it's all about the mix. Whether you want to invest in real estate and action is your decision alone. However, your investments should be as diversified as possible so that there are no cluster risks. But real estate is not bad for developing your wealth. You can also increase the return on equity by raising outside capital.

These two terms are often mixed up. But you mean something completely different. Every private health insurance contract always includes provisions for aging that merely keep the price stable in old age. Contribution relief components lead to a reduction in contributions in old age (usually 67 years) in return for an additional contribution.

Our offer applies primarily to companies whose employees primarily come from the commercial sector, but also to academics, executives, board members, managing directors and managers. Smaller shares in production or manual workers and the like are also insured.
However, if the majority of the employees do not carry out any commercial activities, an individual examination may be necessary.

The German government offers massive benefits when saving for retirement through one of three pension brackets. These brackets offer varying levels of tax deductions and flexibility, making them attractive to different individuals.