Real estate as an addition - security to get a good interest rate

By the way: 10ha are 100,000 sqm

Basically, that should be possible if the areas are free of load. However, the approach of inferring the value of one's own arable land from a nationwide average is quite daring. Of course, this varies greatly regionally and other individual factors also play a major role. Therefore, it is usually difficult to value arable land, even for the bank. Selling arable land is out of the question?

Hello,

that's already great that you have an appointment. Ask the professional what he says about the structure with the land charge on arable land and how they internally assess it. Maybe something is possible after all (also considering that you are an employee).

Keep us updated as well. I also agree with the previous speaker. Is sale not an option? If the arable land is lying fallow, this step should be considered.

Or are there other factors (EU subsidy, etc.) that argue against it.

Build a wind farm on it and use the compensation to build the house

On the internet, you now read all sorts of things
- on the one hand, that farmland has steadily increased in value over the past decades and would therefore represent a first-class investment if one could get hold of such land (those who have it usually do not give it up => so it should be a treat for the bank, right?)
- on the other hand, that you can easily use land as additional security for lenders through a land charge / mortgage to receive correspondingly better terms.

I'll take this out. Here's the point.
Yes, it's true. Land, farmland is becoming scarce in Germany. Cities, building areas, commercial areas, roads—all consume farmland. Therefore, the price for farmland with soil points of 50 and above (50 is the lower limit for wheat, 100 would be THE perfect land, Magdeburg Börde) has risen significantly in recent years, in some cases more than doubled, especially if wind power is permitted on it. Then it really takes off.
So this is good security. Please do not expect Targobank, Ing-Diba or similar to be able to assess this. But a Raiffeisenbank certainly can. The price of farmland is also published by the appraisal committees of the districts, partly in the Geoportal online. Otherwise, inquire. Only as lessors you should actually know this. What kind of farmers are you! Karsten

The colleague here was actually unsure in the first step whether and what is possible, but wants to get informed... so maybe something will come of it? But rather unlikely because apparently unusual.

Actually, wind turbines are also a topic, but there is a citizens' movement that does not want any more turbines... and precisely because the issue is not yet finally resolved, a sale is not really on the table. Could also develop positively for you.

We will definitely check the mentioned Reifeisen banks again... diligence is probably required here. Ah, and of course I can't just apply the average value here... that was only to make it transparent that there is a corresponding counter value here. Definitely no castles in the air.

Nice to read so many impressions and opinions here, please keep it up