How to properly finance a duplex?

Here the visit to the tax advisor is indispensable, presumably they will recommend the division according to WEG, so that there will be 2 residential land registers.

The plot does not necessarily have to be divided, as the depreciation is only calculated on the building value.

2 loan agreements with the division of annuity loan (high consideration of the repayment portion and equity) and bullet loan (suspended lower repayment, possibly 1% of the loan amount and lower consideration of the equity) according to the share of living space will also be recommended.

Since one half can also serve as collateral for the other half, in the bank's internal calculation for determining conditions, the equity will be taken into account on the total value of both residential units regardless of whether the division is according to WEG or without this measure, so that a healthy mixed interest rate can be found with a total land charge.

This is more favorable on the total value when divided than, for example, with a division of 100% on the rented portion and the rest lowest on the owner-occupied portion.

Good, I have already mentioned the division. However, the important thing beforehand is the choice of the right construction partner. How does he divide / calculate the construction costs correctly? What standard should the rented unit have, which mine. When it comes to construction costs / contracts, it is crucial that one can clearly separate them to avoid problems with the [FA].

The crucial sentence in my remarks...

Here the visit to the tax advisor is unavoidable

....... everything else, especially two sentences regarding division, helps no one!

Decisive in my statements is this sentence...

....... everything else, especially two sentences regarding division, does not help anyone!

And further? There are different types of developers etc. If they don’t cooperate with what the tax advisor says, it looks bleak.

And further? There are different types of developers etc. If they don't cooperate with what the tax advisor says, it looks bleak

Then I will of course not choose this developer!

The financing and its form will certainly not be tailored to the developer, but rather the developer to the form of financing, which was of course designed in consultation with the tax advisor.

You two again

I've got a song stuck in my head: "and it's starting again, that can't be true..."