Whether you’re renting an apartment or buying a house in Germany, the process can feel overwhelming. With strict rental regulations, high demand in major cities, and complex property laws, it’s essential to know where to look and what steps to take. Here’s your step-by-step guide to finding the perfect home in Germany.
If you’re planning to stay long-term, buying a property in Germany can be a smart investment. Here’s how to go about it.
1️⃣ Where to Search for Homes to Buy?
Use these platforms to find houses for sale:
🏡 Top Real Estate Websites:
2️⃣ Steps to Buying Property in Germany
📌 Step 1: Get Financing (Mortgage or Cash)
- Expats can apply for a mortgage (Hypothek) from German banks.
- Most banks require 20-30% down payment for non-EU residents.
- Compare mortgage rates on Interhyp or Dr. Klein.
📌 Step 2: Hire a Notary (Notar)
- In Germany, all real estate purchases must go through a notary.
- The notary drafts the purchase contract and registers the property.
📌 Step 3: Pay the Additional Costs
Apart from the property price, expect extra costs:
✔ Notary Fees & Registration – 1.5-2% of the purchase price
✔ Real Estate Transfer Tax – 3.5% to 6.5% (varies by state)
✔ Broker Fees (if applicable) – 3-7% (shared by buyer & seller)
📌 Step 4: Sign the Contract & Register Ownership
Once the purchase contract is signed & notarized, the property is registered under your name in the Grundbuch (land registry).
📌 Step 5: Move In & Enjoy Your New Home!