Owning real estate no longer makes sense in Germany:
Höhere Zinsen, geringe Miet-Renditen und immer stärkere Eingriffe der Politik in die Eigentumsrechte von ...
schwaebische.de/wirtschaft/immobilienbesitz-macht-in-deutschland-keinen-sinn-mehr-4732253
Photo: schwaebische.de · view article
Declining Appeal of Property Ownership in GermanyProperty prices dropped over 6% in four years while financing rates soared to 4.5%, worsening ownership costs and tax disadvantages.
Key FactsJul 20, 2026 · Reading time: ~30 sec.
Summary created with AI assistance · Source: schwaebische.de
Summary created with AI assistance · Source: schwaebische.de
- Only about 42% of Germans own their homes, a notably low rate internationally.
- Tax policies impose a disadvantage of approximately €87,000 over 15 years on owner-occupied homes compared to rental properties.
- Real estate transactions have fallen by more than 25%, coinciding with a real price decline exceeding 6% in recent years.
- Net rental yields average 2.5%, which is significantly below current loan interest rates reaching up to 4.5%.
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