Creating a Financing Concept
Develop a tailor-made financing concept for your property
The financing concept: your foundation for owning a home
A financing concept is more than just choosing a mortgage. It's a comprehensive plan covering all aspects of your property financing: equity structure, mortgage models, amortisation, protection and tax optimisation.
A good concept adapts to your life situation – today and in the future. It accounts for possible changes such as starting a family, a career change or retirement, and gives you the confidence that your home will remain affordable long term.
Why a professional financing concept pays off
Tailor-made
A concept matching your individual situation
Complete calculation
All costs listed transparently
Future-proof
Accounting for various scenarios
Risks covered
Protection against unforeseen events
Documented
Professional documents for the bank
Bank-accepted
Optimal preparation for the loan application
In-depth knowledge
Components of a financing concept
A complete financing concept includes:
1. Current-state analysis: current financial situation, income, assets, debts, expenses.
2. Property valuation: purchase price, market value, location, condition, potential and risks of the property.
3. Equity structure: where does the equity come from? Savings, pillar 3a, pension fund withdrawal, advance inheritance?
4. Financing structure: which mortgage models, which terms, which providers?
5. Amortisation plan: direct or indirect? How much and by when?
6. Protection: death, disability, unemployment – how are the risks covered?
7. Tax optimisation: how are debt interest and maintenance costs used optimally?
The equity strategy
The source of your equity significantly affects your financial future:
Savings: The safest option. No repayment, no pension gap.
Pillar 3a: Can be withdrawn for owner-occupied housing needs. Caution: lump-sum withdrawal tax and no more tax deductions.
Pension fund: Early withdrawal or pledge possible. Caution: this creates a pension gap – check coverage!
Advance inheritance/gift: Can be the best solution, but must be arranged correctly under inheritance law.
Private loan: Only sensible in exceptional cases, increases the overall burden.
We analyse all options and recommend the optimal mix for you.
Risks and protection
A financing concept must also account for the worst case:
Death: Who keeps paying the mortgage? Death benefit insurance covering at least the 2nd mortgage is a minimum.
Disability: Income disappears in case of illness or accident. Check disability insurance.
Unemployment: With reserves of 6-12 months' expenses you're on the safe side.
Divorce: Who stays in the house? Can one person afford it alone? Check affordability.
Rising rates: How much can rates rise before things get tight?
We identify your risks and develop suitable protection strategies.
From planning to implementation
The financing concept is the basis for successful implementation:
1. Concept presentation: We discuss the concept with you in detail and adjust it as needed.
2. Document preparation: All documents for bank meetings are compiled.
3. Bank selection: Based on the concept, we choose the suitable providers.
4. Obtaining offers: We obtain binding offers and compare them.
5. Negotiation: Using the concept as a basis, we negotiate the best terms.
6. Contract conclusion: Support through to signing and payout.
Avoid common mistakes
These are the mistakes we see most often in practice
Not creating a written concept
Important aspects get forgotten, decisions become untraceable.
Ignoring risks
The financing runs into trouble in the event of unforeseen events.
Focusing only on the purchase price
Ancillary costs and ongoing costs get underestimated.
Not adapting the concept
A changed life situation requires adjusting the strategy.
Checklist: your next steps
What you can do right now
Frequently asked questions about Creating a Financing Concept
Answers to the most important questions
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