Germans don t buy houses even if they have money, and eighty percent of the people prefer to rent, w

In Berlin, the capital of Germany,The real estate ownership rate among citizens is very low。According to 2017 statistics, 85% of Berliners live in rented houses. It can be said that very few people buy a house.

There is even a proverb that says that Germans are inherently "cold" about real estate. German real estate is more cost-effective than China. Germany has one of the lowest homeownership rates in the world.

Germans believe that after buying a house, their cash flow will be frozen and they will be locked in one place. Germans believe in freedom, like diversity, and the ability to move anywhere they work and love. Therefore, they feel that a person should not be trapped in the city by a house while he is alive.

In addition, rents in Germany are strictly controlled and must not exceed the prescribed maximum。For example, in the famous German city of Heidelberg, the monthly rent of a 60-square-meter apartment is about 500-800 euros, which is only a small part of the local monthly income. Germans believe that it makes more sense to spend money to enjoy the sunshine around the world than to buy real estate.

Compared with Chinese, who are keen to be house slaves, Germans are more concerned about the quality of life. <>

On the other hand,The rights and interests of tenants will be strongly supported by Germany**In Germany, landlords cannot evict tenants or increase prices at will. When renting an apartment, it is common to sign an indefinite lease, that is, as long as the tenant does not plan to move, he can live in this room forever. <>

At the same time, the reason why Germans do not buy houses is alsoDue toHigh taxes: To buy a house, you must pay real estate purchase tax, notary fees, etc. If the property is bought and sold within 10 years, a 15% speculation tax will be levied.

If used for rent, 25% of the rental income will be paid as income tax. This set of policies is designed to discourage real estate speculators, so in general, buying a house is far less affordable and hassle-free than renting.

Because their housing prices are not high, they are more cost-effective when renting.

It may be cheaper to rent a house, so I don't want to buy a house, so I choose to rent a house.

Because there are many German houses, there are not many people, there is no tension, and it is more cost-effective to rent a house.

This is actually people's houses are not popular, and people don't have this concept.

Germans don't like to buy houses and prefer to rent houses, which is partly due to historical reasons. During the Second World War, many parts of Germany were destroyed, and houses had to be rebuilt at the end of the war. With the support of financial subsidies, real estate developers have built millions of rental homes in just a few years.

On April 15, the German Federal Constitutional Court ruled that Berlin's current policy of "rent restrictions" was invalid, forcing many local tenants to pay more than 1,000 euros in rent to their landlords. The "rent limit" policy, introduced by the Berlin** department in February 2020, will freeze the rent of 1.5 million local houses for five years from June 2019**, driving these overpriced homeowners to reduce rents. Around 85% of Berlin's residents rent a house and do not own their own real estate.

In fact, Germany is a country with a particularly high percentage of rented tenants. According to EU statistics for 2020, only Germans own their own homes, and almost half of the population lives in rented houses.

Germans don't like to buy houses and prefer to rent houses, which is partly due to historical reasons. During the Second World War, many parts of Germany were destroyed, and houses had to be rebuilt at the end of the war. With the support of financial subsidies, real estate developers have built millions of rental homes in just a few years.

According to the laws and regulations of the time, dwellings built by German housing cooperatives must be rented and not sold. The total number of houses built by residential agricultural cooperatives each year accounts for 1 3 of the total number of houses in the country, and such a huge number of houses for rent undoubtedly also plays an important role in stabilizing the real estate.

At the same time, the rental market is subject to strict federal regulation in the United States, and renters have received a lot of legal protection. For example, most rental contracts have no fixed term, and the landlord basically can't stop renting the sub-contract as long as the rent is paid on time, so renting a house is a sure and comfortable option.

Because Germany's welfare policy is very good, they will have some subsidies when renting a house, if you buy a house, there will be no such subsidies, the rent of the house is very low, if you buy a house, there will be insurance premiums and various maintenance costs in the later stage, ** is very high.

Ideologically, Germans may not be bound by traditional thinking, they are more active in thinking, more open-minded, and influenced by the general environment.

Because their right to rent is well protected, and they like freedom rather than being tied down to a house.

Hello landlord, Chinese can buy a house in Germany without status restrictions.

Of course, if you have German status and you can buy a house in Germany, you can take out a loan. The interest rate depends on the individual's qualifications and the loan ratio. The higher the loan ratio, the higher the interest rate. The 10-year fixed interest rate is usually not too high depending on the loan ratio.

Many clients always think that Germany has high taxes and it is certainly not worth investing in real estate. However, this is not the case. The property tax in Germany is just a one-time property purchase tax when buying a houseAfter that, the annual tax on holding and selling can be almost non-existent.

Compared to the U.S. property, which is often taxed at a few percent per year, the cost of holding a property in Germany is very low.

Regarding property rights: domestic houses are generally owned for 70 years, while buying German property is freehold.

About the size of the house.

Domestic real estate is talking about the construction area, most of them are rough houses, while in Germany they are talking about the indoor use area, and the delivery standards are finely decorated, and some are furnished.

There are no status restrictions on buying a house in Germany, and Chinese can buy a house in Germany.

If the conditions are met, you can.

The process of buying a house:

1. Sign a house purchase agreement with the development company.

2. Fill in the application form for personal housing loan and provide the information required by the bank.

3. After the bank's examination conditions are qualified, the bank shall deposit the down payment or issue a down payment voucher.

4. After passing the examination and approval, sign the loan contract, mortgage contract and guarantee contract.

5. Handle mortgage registration, housing insurance and notarization procedures.

6. Handle the procedures for recording and redepositing loans.

7. Go to the development company to go through the relevant household procedures.

Advantages of buying a house in Germany.

a.Investment value.

Housing prices in Germany have been rising steadily all year round, and as a long-term investment, the value retention coefficient is high. In the case of Berlin, in the first half of 2018, the annual increase in house prices, rental returns, exchange rates**, and the return on investment of the three sums were.

b.Loan interest rate.

Foreigners can generally get a loan of 30%-50%, and the current mortgage rate in Germany is at a historic low, with an average annual interest rate of about 15 years for a loan term.

c.Rental returns.

Germany's large cities are densely populated and the rental market demand is high, so they will be rented out as long-term investments, which can avoid idle houses and significantly increase investment returns.

d.Commercial and residential.

Many entrepreneurs who come to Germany to set up a business and residential solution will want to save not only money but also commuting time in the initial stage, but it is important to note that the purchase contract indicates that the property is allowed for commercial use.

Advantages of renting in Germany.

a.Tenant rights protection.

Germany's rental laws are sound and strict, and tenants' rights and interests are fully protected. Usually, the rental contract is signed once a year or every few years, and the tenant does not have to worry about the rent being large** or being surrendered.

b.The procedure is simple.

Detailed information is available on the Internet, making it easy to go from search to check-in. You can also see the evaluation score of the third party in the society, and when you choose, you can sign a contract with the landlord to move in.

c.Save money.

After buying a house in Germany, you need to pay property tax, property management fees, and entrust a housing manager to take care of you when you leave Germany for a long time. For renting, there are no such problems, and you can save a lot of money every year.

In recent years, German housing prices and rents are rapidly **, some Germans think that renting is less stressful than buying a house, and there is not much financial burden, but considering the continuous rent and investment returns, most people are obviously more willing to take out loans for their own properties, and in the case of extremely low loan interest rates.

Renting a house in Germany abroad is more cost-effective than buying a house, because the rent of renting a house can ensure that you don't have a lot of money to buy a house when you are old.

Renting an apartment in Germany is indeed cheaper than buying a house locally, so it should be right, thank you.

In a foreign country, if you want to settle down for a long time, it is recommended that you buy a house, and if you are only living for a short period of time, it is better to rent a house.

Renting a house is a good option if you want to live in Germany for a short period of time, with a reasonable rent and no hassle about maintaining your home and paying taxes. If you are settling for a long time, it is recommended to buy a house, after all, your home needs more autonomy, and you can choose your own decoration style to suit your living habits.

If you rent a house in Germany, it is in marks, if you use RMB to settle, it should be very cost-effective, if you use marks, do you know that marks can be converted to RMB? Very expensive.

Buying a house in Germany is more cost-effective than renting. First of all, because the interest rate on loans is low now, for example, if you take out a loan to buy a house for 10,000 euros, the buyer needs to repay the interest less than ten years ago! Isn't it a good deal?

Buying a house is cost-effective, and it is not better to pay off the loan to yourself every month's rent.

Add bricks and tiles to build the four modernizations.

Hundreds of thousands, if not millions, of us can only have 70 years of injustice.

It is a fallacy that Chinese people naturally have a need to buy houses, because before liberation, the vast majority of laborers lived in rented houses, otherwise there would be no Shanghai burlesque "72 Tenants." In the era of the planned economy after liberation, houses were uniformly distributed by units, and for a long time, Chinese did not need to buy houses at all. Recently, some netizens raised such a question:

Why can Germans rent for the rest of their lives, but we Chinese can't?In this regard, experts explained that the consumption concept of Western countries is also different from that of Chinese, and Chinese would rather save money for a family to buy their own house, while Germans do not have this concept, especially young people, who are more willing to put money on their own study and enjoy life.

Now the so-called to realize the dream of housing, is to fancy the house has the function of maintaining and increasing value, but also want to get a piece of the pie, if the future speculation is unprofitable, the rental market is more standardized, there will be more people will choose to rent a house.

According to new data, only about 43 percent of Germans own a property, which is lower than the EU average of 60 percent. In the UK, Spain and Italy, the proportion is around 70-80%, while in the US it is 69%.

In fact, house prices in Germany are not very expensive, with prices in the metropolitan area of the capital Berlin basically ranging from 1,900 to 2,300 euros per square meter, while the average monthly income per capita in the capital is 3,400 euros. Obviously, financial pressure is not the reason why Germans do not buy houses.

So, how can Germans rent a house for the rest of their lives?

First of all, the rental market in Germany is very regulated, with cheap rents and stable rentals. In many large cities in China, housing prices are ** year after year, and tenants are complaining.

According to German law, if a landlord wants to increase the price, the government must submit a written statement explaining the reason for the increase, and the landlord can only be allowed to increase the price after the local government approves it. If the landlord unilaterally raises the rent without approval, the tenant can sue the landlord to the court.

In China, people want to buy a house, a big reason is that the rental market is not large, rents are rising every year, tenants are often forced to move, and there is no sense of home, so naturally there is no sense of security.

However, German law stipulates that if a landlord wants to increase the price of the house, he must submit a formal written statement stating the reasonable reasons for the price increase.

Three examples of similar housing price increases must be cited, and if the tenant disagrees, the law will decide.

Germans are "not bad for money", but young Germans would rather rent than buy a houseIt's because of: 01The rental market is regulated, very secure, and there is no need to buy.

The environment is beautiful, the change is troublesome, and the rental country has subsidies.

01.There is no pressure for Germans to rent a house. **There are strong policies, so the rental market is relatively regulated, and the rents are stable and cheap.

If the landlord wants to increase the price, yes, you must submit a written explanation first. After a period of approval, the price can be raised.

Why do Germans not buy houses when they have money, but rent houses? Chinese people are desperate to buy houses?