Upcoming house purchase: buy with or without leasehold rights?

The notary could draft a clause that basically says the buyer knows that there is no energy certificate and waives it. That would be possible. For example, if the last three oil tank bills and three electricity bills are available for an oil heating system, the buyer can also do without the stupid certificate because they then know what the house consumes. Karsten

The notary could draft a clause that basically says the purchaser knows there is no energy certificate and waives it. That would be possible. For example, if the last three oil tank invoices are available along with three electricity bills, the buyer can also waive the stupid certificate because then they know what the house consumes. Karsten

Yes, that's how we handled it with the sale. However, that was 5 years ago... it seems to me that this has changed [emoji848] But well... at least we addressed it [emoji2]

I also asked for the energy certificate. Of course.....
A demand certificate costs about 400 and a consumption certificate about 40....
The usefulness and the significance of a demand certificate is to be taken with a grain of salt for now.....

Yes, that's how we handled it when selling. However, that was 5 years ago... I have the feeling that this has changed [emoji848] But well... at least we addressed it [emoji2]

March 2016 it was still possible.

You first go to both, get advice, have a concept and a financing proposal created for you, and get an impression of the respective advisor. A concrete financing request is not submitted at this time.

Hello everyone, there is nothing concrete yet. For our project, we each have an offer from Deutsche Bank (financial intermediary), Volksbank (financial intermediary), and the regional Sparkasse. We will probably accept the offer from the Sparkasse. However, the Sparkasse could not give us a definite commitment yet, as the [Erbpachtvertrag] is still missing, which we are now eagerly waiting for....

A question about the real estate transfer tax with [Erbbaurecht]: How is this calculated exactly? Is my calculation correct?

Annual [Erbbauzins] value: €141
Multiplier Anlage 9a BewG for a term of 35 years: 15.184
Consideration: €141 x 15.184 = €2,277.22

Is the real estate transfer tax then applied to the consideration of €2,277.22 using the multiplier (6.5% in NRW)? That means the real estate transfer tax would be: 6.5% of €2,277.22 = €148?