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​Finance smart, save on taxes and win long-term.
With the Krieger + Schramm Financing Service.
The property is the heart of your investment and financing is the engine behind your returns.
Whether security-focused or yield-optimized through external capital and strategic use of leverage:
With the Krieger + Schramm Financing Service, we offer tailored strategies that align with your investment philosophy – for sustainable returns and long-term security.
Enjoy tax benefits through the strategic use of external financing.
The tax advantages of using external financing for real estate investments are based on a key principle of German tax law:
Interest payments on loans are fully tax-deductible as income-related expenses, provided the property is used to generate income – for example, through rental.
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What Does This Mean for You?
If you finance your property with a loan, you pay interest to the bank. These interest payments can be 100% deducted from your taxable income by declaring them as income-related expenses in your personal income tax return.
As a result, your taxable income is reduced, which in turn lowers your overall tax burden.
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Your Advantage
Every interest payment is partially “covered” by the tax office – because you pay less income tax.
Example:
With a personal tax rate of 40% and annual interest payments of €10,000,
you save approximately €4,000 in taxes each year.
Combined with the leverage effect, this increases your return on equity and makes the use of external financing particularly attractive.
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How Much Equity Is Required?
To invest in real estate, you typically need equity to cover the incidental purchase costs:
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Hesse: approx. 8%
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Bavaria: approx. 5.5%
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This means:
An investment is possible starting from just €25,000.
Secure your personal financing and wealth-building consultation with Krieger + Schramm now.
I’m Jens Meier – here to guide you to the perfect financing concept for your investment.
Many people think their house bank offers the best deal. But is that really the case? My experience tells a different story. Comparing pays off – and I take care of that for my clients. My goal: to combine individual needs with outstanding financing conditions.
