Build a 2nd house and sell the 1st one - How to finance?

Is it only tax-free after 10 years or not?

For rental of the property, the speculation period of 10 years between acquisition and sale applies.

If the property has been self-occupied in the year of sale and the previous 2 years, no speculation tax is due.

For renting out the property, the speculation period of 10 years between acquisition and sale applies.

If you have lived in the property yourself in the year of sale and the two preceding years, no speculation tax is due.

Phew... thanks, that really reassures me!

That would be totally unfair, after all, I already pay enough tax on the house.
And if, for example, you are transferred for work, you can't do anything about it (just as an example).

Phew... thanks, I’m relieved! That would be really unfair, after all I already pay enough tax on the house. And if you get transferred for work, for example, you can’t do anything about it (just as an example)

Since taxes are only levied on profits, there is nothing unfair about it

I do think, however, that taxes were only applied on the difference amount purchase price - selling price = profit.

Since taxes are only levied on profits, there is nothing unfair about it

Of course it is unfair. What business is it of the state what money I make in profit? After all, I already pay a ton of taxes on my salary every month! Or does the state support me when I make losses and then give me money? I doubt that. This is my property, into which I have invested more than enough (after-tax money), so my profits are none of their business!

I find that interesting – since the house was only completed in 2017, taxes are still due on the profit.

If the property has been owner-occupied continuously since construction, you could have already sold it in 2018 without paying taxes. There are no time rules – except if you build every year to then sell at a profit.