Using low interest rates for investment (for the self-employed)

The highest return should be possible when the money is invested in your own company. But since you want real estate, I always recommend stocks ;-).

If it is not about investment but about consumption (owner-occupied home) and only the financing is tricky, it is a different question (namely the financing of the desired budget).

Oh nice that you think of me ;)

I find the topic very interesting and can understand the considerations of the OP. Unfortunately, I can't contribute anything meaningful. We don't build for returns, but to "live" and therefore rather with corresponding depreciation.

As investments, I only use the stock market (ETFs). I don't have any concentration risk there and can react very quickly and manage them. A property for return purposes has never been an option for me so far. Above all, I don't want to "buy work" for myself. I already have enough of that :)

Regards, Steffen

Return is only one aspect. More important is how the overall asset planning looks and whether real estate fits in there at all. However, this forum will not be able to provide that.

Hello ,

for an owner-occupied property, I would speak on-site with your business bank advisor, who, after all, knows your financial situation. If that doesn’t work, I would involve someone who is experienced in this field. For example, I know a former bank executive locally who accompanies or conducts meetings as a consultant because he knows how the other side thinks, although he specializes more in troubleshooting.

I think there are people like that in Hamburg too, so ask around.

If it is rented out, you can basically choose what you want; most properties have a certain equity ratio, for example 20%, and the banks provide the rest. If you can distinguish between gross and net yield, you check whether the property is profitable, and if so, in this case (20% equity), you could finance/purchase a total investment of about 2.5 million.

Best regards
Dirk Grafe