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This depends on the income situation as well as the use. In other words, whether the property is acquired for own use or as an investment.

Most property developers largely exclude the purchaser's own contribution, as delimitation problems arise with regard to warranty and defect removal claims.

The "hereditary lease" is prohibited by law in Germany today. Colloquially, however, the "Erbbaurecht" is often referred to as "Erbpacht". A "hereditary building right" is a right equivalent to real property which is formed in a separate "hereditary building right land register".

Excellent market knowledge is essential for the valuation of single-family homes. In Germany, an owner-occupied single-family house is generally valued using the asset value method (§§ 21-23 ImmoWertV).

The amount of repayment determines the total term of the financing.