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Secure high tax benefits - energy-saving house in Speicher - EUR 120,000 at 1.21 interest

54662 Speicher – Rheinland-Pfalz
323.811 €
3
Room
96.11 m²
Living Area
apartment
ground floor apartment

Attention tax foxes - secure high tax benefits through declining balance depreciation and a combination of additional rental depreciation. Living in an energy-saving house in Speicher with good infrastructure and wonderful views - loan of EUR 120,000 at 1.21 % interest possible

Are you interested in this apartment?

Object Number
OM-310472
Object Class
apartment
Object Type
ground floor apartment
Handover from
by arrangement

Purchase price & additional costs

purchase price
323.811 €
Purchase additional costs
approx. 20,835 €
Total costs
approx. 344,646 €

Breakdown of Costs

Purchase price 323.811 €
Real estate transfer tax 16,191 € (5.00%)
Notary costs 3,082 € (0.95%)
Land register entry 1,563 € (0.48%)
Broker commission 0€ (0%)

* Costs for notary and land register were calculated based on the fee schedule for notaries. Assumed was the notarization of the purchase at the stated purchase price and a land charge in the amount of 80% of the purchase price. Further costs may be incurred due to activities such as land charge cancellation, notary escrow account, etc. Details of notary and land registry costs

Does this property fit my budget?

Estimated monthly rate: 1,103€

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Based on equity 20% of the purchase price plus the purchase incidental costs / 10 years fixed interest rate / 2% initial repayment / Effective interest rate 3.11%

Details

Bathrooms (number)
1
Bedrooms (number)
2
Number of parking lots
1
Flooring
parquet, tiles
Heating
underfloor heating
Year of construction
2024
Equipment
balcony, basement, terrace, guest toilet

Information on equipment

New construction of well-distributed condominiums in a quiet, central city location with a wonderful view of the countryside. In this exposed location, 3 attractive energy-saving houses are being built with bright condominiums with state-of-the-art technology (KFW 40 QNG) in an age-appropriate design. Heating is provided by a modern heat pump in conjunction with underfloor heating. The building specifications also provide for controlled ventilation with heat recovery, electric shutters, an elevator, beautiful tiles and attractive parquet flooring. A photovoltaic system of 20 kwp and a battery storage unit of 6.6 kw with battery storage to support the heating and reduce general costs are also planned for each building. Here, great importance is attached to sustainable construction and energy-saving construction, which is documented by the funding from the KFW via the KFW 40 Sustainable Building program (KFW 40 NH) with its attractive funding opportunities. Charging facilities for electric vehicles are also planned. The KFW 40 QNG standard will be achieved through various additions to the building specifications and supervision of the construction project by a special specialist office. All apartments have beautiful balconies and terraces. Each apartment has a cellar room in the basement. A box for bicycles and garbage will also be installed outside.
The planned triple glazing of the windows, electric shutters, high-quality external insulation, controlled ventilation with heat recovery and modern heating technology in conjunction with photovoltaics enable low heating costs.
The apartments are well equipped.

The offer relates to apartment 2 on the ground floor of house 1.

The apartment consists of a bright living/dining room with integrated kitchen of approx. 41 m² with access to the sunny terrace of approx. 12 m². From the central hallway you reach the spacious master bedroom of approx. 14 m², a large children's room of approx. 13 m², the spacious bathroom with attractive floor-level shower of approx. 9 m² as well as guest WC and storage room.
The total living space is approx. 97 m². Further apartments on request.
It is possible to purchase an underground parking space for 18,000 euros.

The apartments are ready for occupancy apart from minor finishing work and can be moved into at short notice.

Tax information for investors: The apartments can now be depreciated at 5% per year - based on the respective book value/residual value - if they are purchased by the year of completion and rented out in accordance with the changes to the declining balance method of depreciation recently adopted in the Growth Schemes Act. Due to the fact that this is the KFW 40 QNG standard and the building application was submitted by 31.12.2021, depreciation in accordance with § 7 b ESTG can be claimed in addition to the declining balance method. This amounts to 5% in the first 4 years based on construction costs of up to EUR 3,000 per m² of eligible area. Very high tax benefits can be achieved through the possible combination of both subsidies. We do not provide tax advice and accept no liability for tax objectives. Your tax advisor will provide you with comprehensive advice on possible tax benefits!

Location

Speicher, attractive medium-sized center in the Eifel region with good infrastructure. All facilities for daily needs are within a short distance, sometimes even on foot. There is a very good infrastructure with 2 kindergartens, a modern school center, gastronomy, doctors, pharmacy and various shopping facilities for daily needs such as Aldi, REWE, KIK, Rossmann drugstore, etc. There are also good transport connections in all directions. A rail connection is available approx. 2 m from Speicher.
The property is being built in a quiet, central city location. You have a wonderful view of the countryside from each apartment.

Location Check

Natur
Einkaufen
Medizin
Sport
Mobilität
Restaurants
Nachtleben
Kultur

Energy

0 25 50 75 100 125 150 175 200 225 ≥250
Energy certificate type
demand certificate
Final energy demand
24.00 kWh/(m²a)

Miscellaneous

Arrange a consultation or viewing appointment to view the shell of the building! We will be happy to help you arrange your financing. On request and with the appropriate credit rating, the purchase price can be financed up to 100 %. The interest can be fixed for a period of 10 or 15 years, for example. This means that your monthly installments cannot change!

KFW subsidies: Due to the particularly energy-efficient construction method, the requirements of the KfW Bank according to the KfW Efficiency House 40 Sustainability (NH) Program 261) are fulfilled. This program has since expired.
However, the developer has applied for a loan of EUR 120,000 for each apartment with a repayment subsidy of EUR 6,000 and an interest rate of 1.21%. Approval has been granted by the KFW. It is possible to obtain this favorable loan of EUR 120,000 with a fixed interest rate of 10 years at an interest rate of 1.21%, provided that the developer is reimbursed the repayment subsidy of EUR 6,000. Apart from the usual credit check, this loan is not subject to any personal requirements and is available for owner-occupation and rental.

Families with children have the opportunity to take advantage of favorable public loans of 2.9% with a fixed interest rate until full repayment as well as a repayment subsidy of up to 10% via the ISB Rheinland-Pfalz. You can find more information at: https://isb.rlp.de/foerderung/506.html

You can find further interesting purchase or rental offers at www.scherf-immobilien.de

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Commission: No commission for buyers

Offer from: Norbert Scherf

Phone: 0651 978780