{"id":6933,"date":"2025-11-06T14:21:09","date_gmt":"2025-11-06T13:21:09","guid":{"rendered":"https:\/\/latour-finances.de\/?p=6933"},"modified":"2025-11-06T15:04:47","modified_gmt":"2025-11-06T14:04:47","slug":"buying-or-renting-in-germany-what-criteria-should-you-use-to-decide","status":"publish","type":"post","link":"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/","title":{"rendered":"Buying or renting in Germany: how do you decide?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">If you live in Germany, you've probably already said to yourself: <em>\u00abI'd like to buy, rather than throw my rent out the window...\u00bb<\/em>. <br>But when you think about it a little more, the questions follow:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>With real estate prices in <strong>Munich, Hamburg, Frankfurt or Berlin<\/strong>, is it really profitable? <\/li>\n\n\n\n<li>And above all, <strong>can I afford it?<\/strong><\/li>\n\n\n\n<li>How many years do you need to stay in the market before buying becomes more attractive than renting?<\/li>\n\n\n\n<li>And if I decide to <strong>return to France<\/strong>, what's going on?<\/li>\n\n\n\n<li>Could I make a purchase today <strong>block financially<\/strong> for other projects?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">All these questions - and many more - are holding you back from taking the plunge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 In this article, we take a step-by-step look at the situation, to help you see clearly and make an informed decision: buying or renting, what's the best option for you as a French expat in Germany?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-background\" style=\"background-color:#1ba39c\"><strong>Buy or rent? Comparative figures<\/strong><\/h2>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Today, <strong>rent an 80 m\u00b2 apartment in Munich<\/strong> costs about <strong>1,600 per month<\/strong> (<em>Kaltmiete<\/em>, excluding utilities), depending on the district.<br>If you were planning to buy the same property, you would need to budget around <strong>640 000 \u20ac<\/strong>, approximately <strong>8 000 \u20ac\/m\u00b2<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By way of comparison :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average rent (80 m\u00b2)<\/strong><\/td><td><strong>Estimated purchase price<\/strong><\/td><\/tr><tr><td>Munich<\/td><td>1600 \u20ac \/ month <\/td><td>640.000\u20ac<\/td><\/tr><tr><td>Berlin<\/td><td>1400 \u20ac \/ month <\/td><td>450.000\u20ac<\/td><\/tr><tr><td>Frankfurt<\/td><td>1500 \u20ac \/ month <\/td><td>560.000\u20ac<\/td><\/tr><tr><td>Hamburg<\/td><td>1400 \u20ac \/ month <\/td><td>480.000\u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Case in point: the Munich scenario<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let's take a simple example to illustrate the difference between <strong>buy<\/strong> and <strong>rent<\/strong> the same accommodation in Munich.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Purchase price<\/strong> : 640 000 \u20ac<\/li>\n\n\n\n<li><strong>Acquisition costs<\/strong> (notary, tax, agent) : <strong>\u2248 57 600 \u20ac<\/strong> (i.e. 9 %)<\/li>\n\n\n\n<li><strong>Average monthly payment<\/strong> (no deposit, current rate) : <strong>\u2248 \u20ac3,200 \/ month<\/strong><\/li>\n\n\n\n<li><strong>Repayment term<\/strong> : about <strong>27 and a half years<\/strong> (classic in Germany)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-0c5e0365b05ac65b4fb59b183d5b1e02\" style=\"text-decoration:underline\"><strong>Scenario 1: you buy<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Over 27.5 years, you repay your loan and become a full owner.<\/li>\n\n\n\n<li>Assuming a <strong>moderate real estate market revaluation of +2.8 %\/year<\/strong>, your initial property (\u20ac640,000) could be worth around <strong>1.4 million euros<\/strong> at the end of the credit period.<\/li>\n\n\n\n<li>Once the loan has been repaid, you'll have \u20ac3,200 a month \u201cfreed up\u201d to invest in other areas.<\/li>\n\n\n\n<li>What's more, <strong>resale is exempt from capital gains tax<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>Scenario 2: You remain a tenant<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You keep your <strong>57,600 \u20ac acquisition costs<\/strong>, which you can place right from the start.<\/li>\n\n\n\n<li>And every month, you save the difference between the monthly payment on a purchase (\u20ac3,200) and your rent (\u20ac1,600), i.e. <strong>1,600 invested monthly<\/strong>.<\/li>\n\n\n\n<li>By investing this amount at a <strong>net yield of 5 %\/year<\/strong>, your capital would reach approximately <strong>1.3 million euros<\/strong> after 27.5 years.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>Result: draw?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In the end, the two scenarios hold together:<br>Visit <strong>owner<\/strong> has real estate assets estimated at \u20ac1.4 million.<br>Visit <strong>tenant-investor<\/strong> has financial capital of around \u20ac1.3 million.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But all this is based on assumptions: <strong>rates, inflation, real estate market trends and financial returns<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And no one knows what the future holds.<br>So what does this mean?<br>Numbers only tell part of the story. Beyond the math, <strong>other criteria come into play<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-background\" style=\"background-color:#1ba39c\"><strong>Buying or renting in Germany: non-financial criteria to consider<\/strong><\/h2>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;Owner:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>benefits from <strong>stability<\/strong> You don't have to pay a rent increase, and you can't be kicked out of your own apartment (some tenants lose their home when the landlord wants it back!).<\/li>\n\n\n\n<li>can <strong>resell without capital gains tax<\/strong> if he lives there <\/li>\n\n\n\n<li>once the loan has been repaid, the customer has a <strong>savings capacity of \u20ac3,200\/month<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">But it loses in <strong>flexibility<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>what happens in the event of unemployment, <em>Elternzeit<\/em> or career mobility?<\/li>\n\n\n\n<li>his wealth is concentrated in a single asset (his principal residence); ;<\/li>\n\n\n\n<li>it has fewer <strong>cash<\/strong> for other projects (children's education, rental investment, retirement, etc.).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u26a0\ufe0f<\/strong><strong> ...and assumes risks that the lessee has not<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Being an owner also means <strong>bear certain risks alone<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Work and maintenance<\/strong> Roofing, boilers, facades, condominiums... expenses that are sometimes unpredictable and often costly.<\/li>\n\n\n\n<li><strong>Interest rate trends<\/strong> In Germany, the interest rate on a mortgage is <strong>generally fixed over 10 years<\/strong> (<em>Zinsbindung<\/em>). <br><em>See our article: <a href=\"https:\/\/latour-finances.de\/en\/2025\/02\/mortgages-in-germany-5-differences-from-france\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgages in Germany: 5 differences from France - Expat Finances<\/a><\/em><\/li>\n\n\n\n<li><strong>Market risk<\/strong> If you have to sell in an unfavorable environment, you may lose part of your stake.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Visit <strong>tenant<\/strong>, The homeowner, on the other hand, escapes these vagaries: he controls his budget, can't afford structural or financial unforeseen events, and remains mobile. And that's important too: these days, it's rare to live in the same place all your life. Which brings us to another question: <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-background\" style=\"background-color:#1ba39c\"><strong>After how long does buying become more attractive than leasing?<\/strong><\/h2>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>What happens in the early years<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In our scenario, in the first few years, the :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mainly pays <strong>interest<\/strong>, so he repays little capital; ;<\/li>\n\n\n\n<li>immobilized <strong>nearly \u20ac58,000<\/strong> in acquisition costs (\u201cnon-recoverable\u201d money) ;<\/li>\n\n\n\n<li>and pays monthly <strong>1,600 more<\/strong> than the tenant.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The tenant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>keeps its freedom,<\/li>\n\n\n\n<li>invests \u20ac1,600 per month at 5 % net,<\/li>\n\n\n\n<li>plus his starting salary of \u20ac57,600.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 On the <strong>First 5 to 7 years<\/strong>, the advantage is clearly with the <strong>tenant<\/strong>, This is because the net value of the property purchased is still less than the return on the savings invested.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>The effect of time: depreciation and valorization<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As time goes by :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the buyer repays more and more capital; ;<\/li>\n\n\n\n<li>the interest portion of your monthly payment decreases; ;<\/li>\n\n\n\n<li>and its property increases in value (here +2.8 %\/year).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">From <strong>10 years<\/strong>, accumulated capital repayments + the property's unrealized capital gain <strong>begins to exceed<\/strong> the tenant's financial returns. In fact, as always, real estate is a long-term investment. But life is not always a linear plan: a professional project, an opportunity or simply the desire to return to France (or move to another country) can change everything.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-background\" style=\"background-color:#1ba39c\"><strong>What happens if you decide to return to France?<\/strong><\/h2>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">This is a very common situation. <br>Many expatriates, after several years in Germany, wish to return to France, where they often <strong>buying a home<\/strong>. And now a new question arises:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWill my purchase in Germany slow me down?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you return to France<\/strong>, you have two options: <strong>resell<\/strong> or <strong>rent out<\/strong> your German property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>Reselling your property in Germany<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the resale takes place \u201ctoo soon\u201d, your property <strong>has perhaps not yet taken on sufficient value<\/strong> to compensate for <strong>acquisition costs<\/strong> (often 8 to 12% of the price).<\/li>\n\n\n\n<li>If it was your principal residence, the potential capital gain is not impossible.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>Keep your property and rent it out remotely<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You become <strong>non-resident owner in Germany<\/strong>, with <strong>specific tax obligations<\/strong>.<\/li>\n\n\n\n<li>You need <strong>manage tenants remotely<\/strong><\/li>\n\n\n\n<li>Visit <strong>rent does not always cover the entire monthly payment<\/strong>, But that doesn't mean it's not profitable in the long term - your capital continues to build.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"text-decoration:underline\"><strong>Buying a home in France after your return<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We need to ask ourselves two very concrete questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do you have\u2019<strong>enough input<\/strong> to buy in France <strong>without reselling<\/strong> your German property?<\/li>\n\n\n\n<li>Do you have the <strong>financial capacity<\/strong> repay a new loan <strong>while maintaining<\/strong> a loan (and possibly a deficit) in Germany?<br>You'll then know whether you can afford not to resell your property in Germany. If you can't afford to keep the German property, it may be a good idea to wait before buying in France, rather than rushing to resell in Germany.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83e\udded<\/strong><strong> In a nutshell<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It all depends on your personal situation and your horizon.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if you're thinking of staying <strong>under 10 years in Germany<\/strong>, it can be <strong>safer not to buy<\/strong>, to maintain your flexibility and future investment capacity.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are also <strong>plenty of other ways to make your money grow<\/strong>, without necessarily immobilizing it in stone - the key being to <strong>don't let it sleep... or spend it without a plan<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We can also advise you on the most attractive investments in Germany. That way, you can decide what's most relevant to you. <a href=\"https:\/\/latour-finances.de\/en\/contact-expat-finance-study-germany\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contact Expat Finance - Expat Finances<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, we've also compiled the most frequently asked questions about buying real estate in Germany, in the hope that these answers will help you move forward with your project.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background has-medium-font-size wp-block-paragraph\" style=\"background-color:#1ba39c\"><strong>FAQ<\/strong><\/p>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1762432432343\"><strong class=\"schema-faq-question\"><strong>\u2b1b How does buying real estate in Germany work?<\/strong><\/strong> <p class=\"schema-faq-answer\">Watch this video: <a href=\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\">Buying a property in Germany: the <\/a><a href=\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\" target=\"_blank\" rel=\"noreferrer noopener\">various<\/a><a href=\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\"> steps<\/a><br\/>On the program: <br\/>00:00 Preparatory work<br\/>00:41 Property search<br\/>03:55 Search for financing<br\/>06:27 Loan contract and signature at the notary's office<br\/>10:33 Price payment<br\/>13:36 Property transfer<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762432819875\"><strong class=\"schema-faq-question\"><strong>\u2b1b As in France, is there a maximum debt ratio?<\/strong><\/strong> <p class=\"schema-faq-answer\">In Germany, there is no strict debt ratio like the French \u201c33 %\u201d.<br\/>Banks tend to evaluate <strong>repayment capacity<\/strong> based on net income, professional stability and property value.<br\/>They check that the <strong>living expenses<\/strong> is sufficient to cover current and unforeseen expenses.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762433151950\"><strong class=\"schema-faq-question\"><strong>\u2b1b How much should you contribute?<\/strong><\/strong> <p class=\"schema-faq-answer\">Most banks require <strong>at least 10 % of the purchase price<\/strong> in personal contribution. To this must be added the acquisition costs (Grunderwerbesteuer, Notar, Makler: in total ~10% depending on the L\u00e4nder). So plan on 20%.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762433191281\"><strong class=\"schema-faq-question\"><strong>\u2b1b How do I get a mortgage in Germany?<\/strong><\/strong> <p class=\"schema-faq-answer\">You must present a <strong>solid case<\/strong> stable income, permanent employment contract, sound banking history.<br\/>The interest rate is often <strong>fixed for 10 to 15 years<\/strong> (<em>Zinsbindung<\/em>).<br\/>After this period, it will be renegotiated according to market conditions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762433240029\"><strong class=\"schema-faq-question\"><strong>\u2b1b How long does it take to finalize the purchase?<\/strong><\/strong> <p class=\"schema-faq-answer\">Between signing the contract at the notary's office and handing over the keys, allow for <strong>about 2 to 3 months<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762433267588\"><strong class=\"schema-faq-question\"><strong>\u2b1b What are the taxes?<\/strong><\/strong> <p class=\"schema-faq-answer\">To buy : <strong>Grunderwerbsteuer <\/strong>(acquisition tax): 3.5 to 6.5 % (varies from one Land to another,\u00a0<a href=\"https:\/\/www.zinsen-berechnen.de\/grunderwerbsteuer\/bundeslaender.php\">look here for your Land<\/a>)<br\/>Then, every year, you pay the <strong>Grundsteuer <\/strong>(property tax). The amount is quite low compared with France.<br\/>Since this is your principal residence, there is no <strong>no income tax<\/strong> (you don't receive any rent!) - this means that you can't take advantage of tax deductions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762433355306\"><strong class=\"schema-faq-question\"><strong>\u2b1b Can two people buy without being married?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, it's possible. The contract of sale mentions the two purchasers and the division of ownership (50\/50, 70\/30, etc.). Please note: you are jointly and severally liable for the debt, regardless of how it is divided up in the Grundbuch.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762433675089\"><strong class=\"schema-faq-question\">\u2b1bWhy do Germans tend to rent?<\/strong> <p class=\"schema-faq-answer\">It's largely a <strong>a question of economic culture<\/strong> rather than a simple financial calculation.<br\/>In Germany, the <strong>enhancing flexibility<\/strong> and the <strong>tenant protection<\/strong> means that buying is not perceived as an obligation. Here are a few statistics: <a href=\"https:\/\/www.destatis.de\/Europa\/DE\/Thema\/Bevoelkerung-Arbeit-Soziales\/Soziales-Lebensbedingungen\/Mieteranteil.html\" target=\"_blank\" rel=\"noreferrer noopener\">In which European country are there the most renters?<\/a><br\/>Paradoxically, despite often higher incomes, <strong>the average wealth of Germans remains lower than that of the French<\/strong>, This is because real estate plays a lesser role in capital formation.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>If you live in Germany, you've probably already said to yourself: \u00abI'd rather buy than throw my rent out the window...\u00bb. But if you think about it...<\/p>","protected":false},"author":2,"featured_media":6937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[],"class_list":["post-6933","post","type-post","status-publish","format-standard","has-post-thumbnail","category-immobilier"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Acheter ou louer en Allemagne :\u00a0 quels crit\u00e8res pour d\u00e9cider ? - Expat Finances<\/title>\n<meta name=\"description\" content=\"Si vous vivez en Allemagne, vous vous \u00eates s\u00fbrement d\u00e9j\u00e0 dit : \u00ab J\u2019aimerais acheter, plut\u00f4t que de jeter mon loyer par les fen\u00eatres\u2026 \u00bb. Mais en y r\u00e9fl\u00e9chissant un peu plus, les questions s\u2019encha\u00eenent : Avec les prix de l\u2019immobilier \u00e0 Munich, Hambourg, Francfort ou Berlin, est-ce vraiment rentable ?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Acheter ou louer en Allemagne :\u00a0 quels crit\u00e8res pour d\u00e9cider ? - Expat Finances\" \/>\n<meta property=\"og:description\" content=\"Si vous vivez en Allemagne, vous vous \u00eates s\u00fbrement d\u00e9j\u00e0 dit : \u00ab J\u2019aimerais acheter, plut\u00f4t que de jeter mon loyer par les fen\u00eatres\u2026 \u00bb. Mais en y r\u00e9fl\u00e9chissant un peu plus, les questions s\u2019encha\u00eenent : Avec les prix de l\u2019immobilier \u00e0 Munich, Hambourg, Francfort ou Berlin, est-ce vraiment rentable ?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/\" \/>\n<meta property=\"og:site_name\" content=\"Expat Finances\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-06T13:21:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-06T14:04:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Sophie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sophie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/\",\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/\",\"name\":\"Acheter ou louer en Allemagne :\u00a0 quels crit\u00e8res pour d\u00e9cider ? - Expat Finances\",\"isPartOf\":{\"@id\":\"https:\/\/latour-finances.de\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4.png\",\"datePublished\":\"2025-11-06T13:21:09+00:00\",\"dateModified\":\"2025-11-06T14:04:47+00:00\",\"author\":{\"@id\":\"https:\/\/latour-finances.de\/#\/schema\/person\/0e22f664bd85fd1eb5c71c4eb5a3a40b\"},\"description\":\"Si vous vivez en Allemagne, vous vous \u00eates s\u00fbrement d\u00e9j\u00e0 dit : \u00ab J\u2019aimerais acheter, plut\u00f4t que de jeter mon loyer par les fen\u00eatres\u2026 \u00bb. 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Comment se d\u00e9roule un achat immobilier en Allemagne ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Regardez cette vid\u00e9o : <a href=\\\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\\\">Acheter un bien immobilier en Allemagne : les <\/a><a href=\\\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">diff\u00e9rentes<\/a><a href=\\\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\\\"> \u00e9tapes<\/a><br\/>Au programme: <br\/>00:00\u00a0\u00a0\u00a0 Travail pr\u00e9paratoire<br\/>00:41\u00a0\u00a0\u00a0 Recherche du bien<br\/>03:55\u00a0\u00a0\u00a0 Recherche du financement<br\/>06:27\u00a0\u00a0\u00a0 Contrat de pr\u00eat et signature chez le notaire<br\/>10:33\u00a0\u00a0\u00a0 Paiement du prix<br\/>13:36\u00a0\u00a0\u00a0 Transfert de propri\u00e9t\u00e9\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432819875\",\"position\":2,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432819875\",\"name\":\"\u2b1b Y a-t-il, comme en France, un taux d\u2019endettement maximum ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En Allemagne, il n\u2019existe pas de taux d\u2019endettement strict comme le \u201c33 %\u201d fran\u00e7ais.<br\/>Les banques \u00e9valuent plut\u00f4t la <strong>capacit\u00e9 de remboursement<\/strong> en fonction du revenu net, de la stabilit\u00e9 professionnelle et de la valeur du bien.<br\/>Elles v\u00e9rifient que le <strong>reste \u00e0 vivre<\/strong> est suffisant pour couvrir les d\u00e9penses courantes et impr\u00e9vues.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433151950\",\"position\":3,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433151950\",\"name\":\"\u2b1b Quel apport faut-il pr\u00e9voir ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La plupart des banques exigent <strong>au moins 10 % du prix d\u2019achat<\/strong> en apport personnel. Il faut y ajouter les frais d'acquisition (Grunderwerbesteuer, Notar, Makler : au total\u00a0 ~10% selon les L\u00e4nder). Donc pr\u00e9voyez 20%.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433191281\",\"position\":4,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433191281\",\"name\":\"\u2b1b Comment obtenir un pr\u00eat immobilier en Allemagne ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Il faut pr\u00e9senter un <strong>dossier solide<\/strong> : revenus stables, contrat de travail \u00e0 dur\u00e9e ind\u00e9termin\u00e9e, historique bancaire sain.<br\/>Le taux d\u2019int\u00e9r\u00eat est souvent <strong>fix\u00e9 pour 10 \u00e0 15 ans<\/strong> (<em>Zinsbindung<\/em>).<br\/>Apr\u00e8s cette p\u00e9riode, il sera ren\u00e9goci\u00e9 selon les conditions du march\u00e9.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433240029\",\"position\":5,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433240029\",\"name\":\"\u2b1b Combien de temps faut-il pour finaliser l\u2019achat ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Entre la signature du contrat chez le notaire et la remise des cl\u00e9s, comptez <strong>environ 2 \u00e0 3 mois<\/strong>.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433267588\",\"position\":6,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433267588\",\"name\":\"\u2b1b Quelles sont les taxes \/ imp\u00f4ts ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A l'achat : <strong>Grunderwerbsteuer <\/strong>(taxe d\u2019acquisition) : 3,5 \u00e0 6,5 % (elle varie d\u2019un Land \u00e0 l\u2019autre,\u00a0<a href=\\\"https:\/\/www.zinsen-berechnen.de\/grunderwerbsteuer\/bundeslaender.php\\\">regardez ici pour votre Land<\/a>)<br\/>Ensuite, chaque ann\u00e9e, vous paierez la <strong>Grundsteuer <\/strong>(taxe fonci\u00e8re). Son montant est assez faible en comparaison avec la France<br\/>Puisqu'il s'agit de votre r\u00e9sidence principale, il n'y a <strong>pas d'imp\u00f4t sur le revenu<\/strong> (vous ne touchez pas de loyer!) - cela signifie en contrepartie que vous ne pouvez pas profiter de d\u00e9ductions fiscales\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433355306\",\"position\":7,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433355306\",\"name\":\"\u2b1b Peut-on acheter \u00e0 deux sans \u00eatre mari\u00e9s ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, c\u2019est possible. Le contrat de vente mentionne les deux acqu\u00e9reurs et la r\u00e9partition de propri\u00e9t\u00e9 (50\/50, 70\/30, etc.). Attention : vous \u00eates solidaires de la dette, peu importe la r\u00e9partion inscrite au Grundbuch.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433675089\",\"position\":8,\"url\":\"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433675089\",\"name\":\"\u2b1bPourquoi les Allemands sont-ils souvent locataires ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"C\u2019est en grande partie une <strong>question de culture \u00e9conomique<\/strong> plut\u00f4t qu\u2019un simple calcul financier.<br\/>En Allemagne, la <strong>valorisation de la flexibilit\u00e9<\/strong> et la <strong>protection des locataires<\/strong> font qu\u2019acheter n\u2019est pas per\u00e7u comme une obligation. Voici quelques statistiques : <a href=\\\"https:\/\/www.destatis.de\/Europa\/DE\/Thema\/Bevoelkerung-Arbeit-Soziales\/Soziales-Lebensbedingungen\/Mieteranteil.html\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\">Dans quel pays europ\u00e9en y a t-il le plus de locataires ?<\/a><br\/>Paradoxalement, malgr\u00e9 des revenus souvent plus \u00e9lev\u00e9s, <strong>le patrimoine moyen des Allemands reste inf\u00e9rieur \u00e0 celui des Fran\u00e7ais<\/strong>, car l\u2019immobilier y joue un r\u00f4le moindre dans la constitution du capital.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Buying or renting in Germany: how do you decide? - Expat Finances","description":"If you live in Germany, you've probably already said to yourself: \u00abI'd rather buy than throw my rent out the window...\u00bb. But when you think about it a little more, the questions just keep coming: With property prices in Munich, Hamburg, Frankfurt or Berlin, is it really worth it?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/","og_locale":"en_US","og_type":"article","og_title":"Acheter ou louer en Allemagne :\u00a0 quels crit\u00e8res pour d\u00e9cider ? - Expat Finances","og_description":"Si vous vivez en Allemagne, vous vous \u00eates s\u00fbrement d\u00e9j\u00e0 dit : \u00ab J\u2019aimerais acheter, plut\u00f4t que de jeter mon loyer par les fen\u00eatres\u2026 \u00bb. Mais en y r\u00e9fl\u00e9chissant un peu plus, les questions s\u2019encha\u00eenent : Avec les prix de l\u2019immobilier \u00e0 Munich, Hambourg, Francfort ou Berlin, est-ce vraiment rentable ?","og_url":"https:\/\/latour-finances.de\/en\/2025\/11\/buying-or-renting-in-germany-what-criteria-should-you-use-to-decide\/","og_site_name":"Expat Finances","article_published_time":"2025-11-06T13:21:09+00:00","article_modified_time":"2025-11-06T14:04:47+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4.png","type":"image\/png"}],"author":"Sophie","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Sophie","Est. reading time":"10 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/","url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/","name":"Buying or renting in Germany: how do you decide? - Expat Finances","isPartOf":{"@id":"https:\/\/latour-finances.de\/#website"},"primaryImageOfPage":{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#primaryimage"},"image":{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#primaryimage"},"thumbnailUrl":"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4.png","datePublished":"2025-11-06T13:21:09+00:00","dateModified":"2025-11-06T14:04:47+00:00","author":{"@id":"https:\/\/latour-finances.de\/#\/schema\/person\/0e22f664bd85fd1eb5c71c4eb5a3a40b"},"description":"If you live in Germany, you've probably already said to yourself: \u00abI'd rather buy than throw my rent out the window...\u00bb. But when you think about it a little more, the questions just keep coming: With property prices in Munich, Hamburg, Frankfurt or Berlin, is it really worth it?","breadcrumb":{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432432343"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432819875"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433151950"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433191281"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433240029"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433267588"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433355306"},{"@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433675089"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#primaryimage","url":"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4.png","contentUrl":"https:\/\/latour-finances.de\/wp-content\/uploads\/2025\/11\/96B44F15-670A-4D86-990E-E6C851E1DDD4.png","width":1536,"height":1024,"caption":"Image illustrant le choix entre acheter ou louer en Allemagne, avec des donn\u00e9es financi\u00e8res et graphiques."},{"@type":"BreadcrumbList","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/latour-finances.de\/"},{"@type":"ListItem","position":2,"name":"Acheter ou louer en Allemagne :\u00a0 quels crit\u00e8res pour d\u00e9cider ?"}]},{"@type":"WebSite","@id":"https:\/\/latour-finances.de\/#website","url":"https:\/\/latour-finances.de\/","name":"Expat Finances","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/latour-finances.de\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/latour-finances.de\/#\/schema\/person\/0e22f664bd85fd1eb5c71c4eb5a3a40b","name":"Sophie","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/latour-finances.de\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/214922225a08529aade89171864d50ae30be9d9fff6341bd84df6840165a4b94?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/214922225a08529aade89171864d50ae30be9d9fff6341bd84df6840165a4b94?s=96&d=mm&r=g","caption":"Sophie"},"url":"https:\/\/latour-finances.de\/en\/author\/sophie\/"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432432343","position":1,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432432343","name":"\u2b1b How does buying real estate in Germany work?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Regardez cette vid\u00e9o : <a href=\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\">Acheter un bien immobilier en Allemagne : les <\/a><a href=\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\" target=\"_blank\" rel=\"noreferrer noopener\">diff\u00e9rentes<\/a><a href=\"https:\/\/www.youtube.com\/watch?v=I67cWIbKW_k\"> \u00e9tapes<\/a><br\/>Au programme: <br\/>00:00\u00a0\u00a0\u00a0 Travail pr\u00e9paratoire<br\/>00:41\u00a0\u00a0\u00a0 Recherche du bien<br\/>03:55\u00a0\u00a0\u00a0 Recherche du financement<br\/>06:27\u00a0\u00a0\u00a0 Contrat de pr\u00eat et signature chez le notaire<br\/>10:33\u00a0\u00a0\u00a0 Paiement du prix<br\/>13:36\u00a0\u00a0\u00a0 Transfert de propri\u00e9t\u00e9","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432819875","position":2,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762432819875","name":"\u2b1b As in France, is there a maximum debt ratio?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"En Allemagne, il n\u2019existe pas de taux d\u2019endettement strict comme le \u201c33 %\u201d fran\u00e7ais.<br\/>Les banques \u00e9valuent plut\u00f4t la <strong>capacit\u00e9 de remboursement<\/strong> en fonction du revenu net, de la stabilit\u00e9 professionnelle et de la valeur du bien.<br\/>Elles v\u00e9rifient que le <strong>reste \u00e0 vivre<\/strong> est suffisant pour couvrir les d\u00e9penses courantes et impr\u00e9vues.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433151950","position":3,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433151950","name":"\u2b1b How much should you contribute?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"La plupart des banques exigent <strong>au moins 10 % du prix d\u2019achat<\/strong> en apport personnel. Il faut y ajouter les frais d'acquisition (Grunderwerbesteuer, Notar, Makler : au total\u00a0 ~10% selon les L\u00e4nder). Donc pr\u00e9voyez 20%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433191281","position":4,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433191281","name":"\u2b1b How do I get a mortgage in Germany?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Il faut pr\u00e9senter un <strong>dossier solide<\/strong> : revenus stables, contrat de travail \u00e0 dur\u00e9e ind\u00e9termin\u00e9e, historique bancaire sain.<br\/>Le taux d\u2019int\u00e9r\u00eat est souvent <strong>fix\u00e9 pour 10 \u00e0 15 ans<\/strong> (<em>Zinsbindung<\/em>).<br\/>Apr\u00e8s cette p\u00e9riode, il sera ren\u00e9goci\u00e9 selon les conditions du march\u00e9.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433240029","position":5,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433240029","name":"\u2b1b How long does it take to finalize the purchase?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Entre la signature du contrat chez le notaire et la remise des cl\u00e9s, comptez <strong>environ 2 \u00e0 3 mois<\/strong>.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433267588","position":6,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433267588","name":"\u2b1b What are the taxes?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"A l'achat : <strong>Grunderwerbsteuer <\/strong>(taxe d\u2019acquisition) : 3,5 \u00e0 6,5 % (elle varie d\u2019un Land \u00e0 l\u2019autre,\u00a0<a href=\"https:\/\/www.zinsen-berechnen.de\/grunderwerbsteuer\/bundeslaender.php\">regardez ici pour votre Land<\/a>)<br\/>Ensuite, chaque ann\u00e9e, vous paierez la <strong>Grundsteuer <\/strong>(taxe fonci\u00e8re). Son montant est assez faible en comparaison avec la France<br\/>Puisqu'il s'agit de votre r\u00e9sidence principale, il n'y a <strong>pas d'imp\u00f4t sur le revenu<\/strong> (vous ne touchez pas de loyer!) - cela signifie en contrepartie que vous ne pouvez pas profiter de d\u00e9ductions fiscales","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433355306","position":7,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433355306","name":"\u2b1b Can two people buy without being married?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Oui, c\u2019est possible. Le contrat de vente mentionne les deux acqu\u00e9reurs et la r\u00e9partition de propri\u00e9t\u00e9 (50\/50, 70\/30, etc.). Attention : vous \u00eates solidaires de la dette, peu importe la r\u00e9partion inscrite au Grundbuch.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433675089","position":8,"url":"https:\/\/latour-finances.de\/2025\/11\/acheter-ou-louer-en-allemagne-quels-criteres-pour-decider\/#faq-question-1762433675089","name":"\u2b1bWhy do Germans tend to rent?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"C\u2019est en grande partie une <strong>question de culture \u00e9conomique<\/strong> plut\u00f4t qu\u2019un simple calcul financier.<br\/>En Allemagne, la <strong>valorisation de la flexibilit\u00e9<\/strong> et la <strong>protection des locataires<\/strong> font qu\u2019acheter n\u2019est pas per\u00e7u comme une obligation. Voici quelques statistiques : <a href=\"https:\/\/www.destatis.de\/Europa\/DE\/Thema\/Bevoelkerung-Arbeit-Soziales\/Soziales-Lebensbedingungen\/Mieteranteil.html\" target=\"_blank\" rel=\"noreferrer noopener\">Dans quel pays europ\u00e9en y a t-il le plus de locataires ?<\/a><br\/>Paradoxalement, malgr\u00e9 des revenus souvent plus \u00e9lev\u00e9s, <strong>le patrimoine moyen des Allemands reste inf\u00e9rieur \u00e0 celui des Fran\u00e7ais<\/strong>, car l\u2019immobilier y joue un r\u00f4le moindre dans la constitution du capital.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/posts\/6933","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/comments?post=6933"}],"version-history":[{"count":9,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/posts\/6933\/revisions"}],"predecessor-version":[{"id":6949,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/posts\/6933\/revisions\/6949"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/media\/6937"}],"wp:attachment":[{"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/media?parent=6933"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/categories?post=6933"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/latour-finances.de\/en\/wp-json\/wp\/v2\/tags?post=6933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}