For today purchase of apartment or the house foreigners in Germany can be considered as the reliable investment of the means. According to experts, real estate purchase on a mortgage in Germany – the favourable enterprise for any foreigner: low interest rates and единоразовые commission fee of bank for credit delivery, probably preschedule repayment of the credit, and if necessary – a wide choice of possibilities on mortgage loan refinancing by other banks, except that, the German habitation differs high quality and durability.
The real estate in Germany has a number of advantages, including to our compatriots: this and convenient transport message speaking by geographical affinity with Russia, and the huge Russian diaspora, the developed network of Russian shops and firms and, certainly, simply high standard of living. In Germany, in particular in Berlin, the real estate for today is underestimated, therefore, according to experts to invest in it very favourably.
Maxim Zalevsky, the head of a direction Foreign real estate of company "КредитМакс" tells that the prices for real estate to Germany which has stood 2-3 years ago, start to rise today, but very slowly and basically at the expense of interventions of foreign buyers. «If you still think, to buy or not to buy, today that time when still it is possible and needs to be bought. The prices for apartments and houses in Germany are almost identical, therefore the total price of inhabited real estate varies from 1000 to 3500 thousand euro for square meter depending on a city or the earth (except Bavaria). Cost of square meter in Hamburg, Frankfurt am Main and Düsseldorf twice above, than in Berlin. From the point of view of Germans, the capital is not region where people live more richly but only a place where there is a government office», – he speaks.
Today the foreigner can receive a mortgage loan in Germany only provided that if it is the owner of a constant residence and the working contract or own business in EU territory, or the owner of the property which have adequate estimated cost and being in «a reach zone» bank.
According to experts, to Deutsche Banks the national identity of the client, trying to take the loan under purchase or habitation building isn't important. So, if the foreigner has a property as which the bank will consider sufficient for mortgaging maintenance, or constant highly paid work on territories of the Western Europe and own capital for the first payment – problems won't be neither at the Russian, nor at the inhabitant of any other foreign state.
So, for mortgage loan reception the non-resident of the country needs in Germany to bring own means from 50 to 60 % from habitation cost.
According to Maxim Zalevsky, today the interest rate on mortgage loans for non-residents in Germany makes – from 4,5 to 5,3 % annual; mortgage loan period of validity – 10 years, thus probably preschedule repayment of the credit; if necessary a wide choice of possibilities п
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