Is it possible to sell the apartment and take over the home loan?

@WilderSueden The other party who owns the entire property apparently only sells it if you build with Hanse Haus.

The tax office will probably regard this as a tied transaction and also want real estate transfer tax for the house.

Plot 320 sqm for 145000 both are purchased separately.

Planned semi-detached house by Hanse Haus.

Planned projects by BT are "actually always" a tied deal!

Can I take the old loan agreement + interest for the new property?

Yes, you can. This is called a property change. However, there is a review and conditions that the financing bank must/will offer you.

I almost thought that real estate transfer tax would be due for both. Too bad…

If you like it that way, I would do it. I don't think the real estate transfer tax should stop you. We have a similar apartment with a 100 sqm roof terrace and would still prefer a house. Especially with children, I find it cozier to be able to park bikes, tricycles, etc. on your own. Income is sufficient, the apartment can be rented out for very good money.

If it pleases you, I would do it. I don’t think the real estate transfer tax should stop you. We have a similar apartment with a 100 sqm roof terrace and would still prefer a house. Especially with children, I find it more comfortable to be able to park bikes, tricycles, etc. Income is sufficient, the apartment can be rented out for very good money.

Not the real estate transfer tax itself, but the total costs, which are simply huge. Especially with 3-3.5% interest plus 2% repayment. That is really expensive at the moment.

Perhaps still try to initiate the bank conversation to generally explore the framework conditions. That helps with the next interesting property.