I-FS Berlin GmbHProperty financing
Purchase, new build or plot of land – the right financing concept for your project.
Mortgage financing
Well-planned construction or property financing is essential to making your dream of owning a home come true. The loan is provided specifically for building, buying, modernising or renovating a house or flat. It is repaid in fixed monthly instalments made up of repayment and interest.
One possible form of financing is the annuity loan: thanks to the constant instalment, you enjoy a high degree of planning certainty throughout the fixed-rate period. At first, interest makes up most of the payment; the repayment share grows month by month – so you become debt-free faster and faster.
If you want certainty for the entire financing period, combining it with a building society loan (Bauspardarlehen) is a good option. We will show you how this works during your financing consultation.
Key factors in your mortgage
Creditworthiness
Before a loan is granted, we assess your creditworthiness through a thorough analysis of your income and assets, as well as a SCHUFA credit report.
Own funds
A solid share of own funds, typically 20 to 30 percent of the financing amount, not only improves your terms but also reduces risk. Among other things, it is used to cover the purchase costs.
Fixed-rate period
Your interest rate is fixed for a defined period, usually 10 to 15 years. This protects you against rate rises; after this phase, the remaining debt is continued through follow-up financing.
Repayment rate
The repayment rate set at the start – ideally as high as possible – largely determines how long it takes to become debt-free and how flexible you are during the term.
Collateral
Lenders usually require a land charge on the property and term life insurance as security.
Special repayments
Annual special repayments, usually up to 5 percent of the loan amount, let you pay off the loan faster.
Subsidies
Government support such as KfW loans or the housing construction bonus (Wohnungsbauprämie) makes your project more cost-effective.
Let's talk.
Book an appointment online – by phone, by video or in person at our office in Berlin. Consultations are held in German or English; for other languages, a consultation is only possible with an interpreter.
Janusz-Korczak-Str. 35
12627 BerlinIn-person meetings at our office, Spandauer Damm 115, 14055 Berlin, by appointment
8 am – 7 pm, by appointment