REAL ESTATE FINANCING IN MUNICH
The right financing often decides whether a property you love becomes your home or your investment. At Park Avenue, you get property and financing from a single source: you talk to us first, we record your plans and put you in touch with an experienced financing expert licensed under Section 34i of the German Trade Regulation Act (GewO), with whom we work closely. The expert compares offers from different banks and supports you through to the loan commitment – we coordinate purchase and financing.
Whether it is a purchase, follow-up financing or an investment in Munich and the surrounding area: you have one dedicated contact at Park Avenue who knows your property and your plans – even if you are not buying through us.
FINANCING WE CONNECT YOU WITH
- Buying an owner-occupied apartment or house: from the first budget plan to the financing confirmation that shows sellers you are a serious buyer.
- Investment property: financing for let apartments and houses, aligned with rental income and tax objectives.
- Follow-up financing and refinancing: Is your fixed-rate period coming to an end? Have it checked in good time which solution suits you – a forward loan is also possible.
- Apartment buildings and commercial properties: financing for portfolio holders and investors.
HOW YOU GET TO THE RIGHT FINANCING
1. YOUR ENQUIRY
You tell us about your plans – via the form, by phone or in person. We record the key facts and put you in touch with our financing expert.
2. PERSONAL ADVICE
The financing expert, licensed under Section 34i GewO, clarifies your financial situation and goals with you – the basis for a suitable financing strategy.
3. BANK COMPARISON
The expert compares current offers from different banks and shows you the options that truly suit you – transparent and clearly explained.
4. APPLICATION & COMMITMENT
The financing expert supports you with documents and the application and coordinates communication with the bank – right up to the binding loan commitment.
5. PURCHASE & NOTARY
Once the commitment is in place, we coordinate the purchase contract, notary appointment and payout with you – so that purchase and financing fit together smoothly.
FREQUENTLY ASKED QUESTIONS ABOUT REAL ESTATE FINANCING
Who advises me on the financing?
Financing advice is provided by an experienced financing expert licensed under Section 34i GewO, with whom we work closely. Park Avenue does not advise on loans itself, but remains your contact for the purchase and coordinates property and financing.
How much equity do I need?
Banks usually expect you to cover at least the incidental purchase costs yourself. In Bavaria, these include the real estate transfer tax of 3.5% as well as notary and land registry fees and, where applicable, the broker’s commission. The more equity you contribute, the better the terms usually are.
When should I take care of follow-up financing?
Ideally one to three years before your fixed-rate period ends. With a forward loan, today’s terms can be secured up to five years in advance.
Can I enquire even if I haven’t found a property yet?
Yes. Early budget planning shows you which price range to search in and makes you a serious buyer in the eyes of sellers.
TALK TO US ABOUT YOUR FINANCING
Get in touch with us without obligation. We record your plans and put you in touch with our financing expert, licensed under Section 34i GewO – confidentially and without obligation.