EXCELLENT OPPORTUNITY FOR FINANCING

Real estate is generally regarded a safe investment that retains its value.

  • It is protection against inflation and frequently offers tax benefits.
  • It is a sensible alternative to money in savings accounts, which are hardly worth the effort with the current low interest rates.
  • It offers greater security than shares or bonds, which react much more volatilely to fluctuations on the financial markets.
  • Buy for personal use: you only pay the maintenance costs once you have paid off the apartment and are more flexible when it comes to designing your own home.

LIVING SPACE WANTED

Make the most of the benefits offered by Munich:

  • Munich is Bavaria’s boom town
  • The home of global players such as Siemens, Allianz, BMW or Linde
  • Wide range of recreational and cultural offerings
  • Very low vacancies of approx. 0.2 %
  • Large number of people moving to the city on the Isar
  • A very good infrastructure and traffic links thanks to motorways, public transport, railways and the nearby airport
  • Very secure rental income

TOP QUALITY - BUT WITHOUT EXTORTIONATE PRICES

PANDION offers the following advantages as a partner for capital investments:

  • High quality
  • Commission-free sale
  • Project development, construction and management from one source
  • High-quality fittings and construction materials
  • More than 18 years of experience in the development, construction and sale of high-class residential properties
  • We are your direct contact for everything to do with PANDION VERDE

THE COMPLETE PACKAGE

PANDION VERDE scores well when it comes to the decisive factors for purchasing real estate:

  • very good location
  • high demand in and around Munich
  • an attractive purchase price

These are excellent overall conditions that offer a good opportunity for an investment in connection with the current favourable financing terms!

Exemplary calculation for your investment

Buy a freehold apartment as a capital investment

Exemplary calculation | 2 rooms | 55.82 m²
Purchase price for the apartment 519.900,00€
Notary and court fees (approx. 1.5%) 7.798,50€
Land transfer tax (3.5%) 18.196,50€
Construction phase loan (1.00%)* 5.458,95€
Total costs 551.353,95€
Financing
Own funds 10% 55.135,40€
External funds KfW loan** 120.000,00€
External funds mortgage loan 376.218,56€
Income/expenditure
Annual rent (55.82 m² á € 19.50 m²/month x 12) 13.061,88€
Annual interest (1.00% of € 376,218.56) 3.762,19€
Annual interest (0.75% of € 120,000.00) 900,00€
Administrative costs p.a. (€ 31/month x 12) 372,00€
Reserve for renewals and replacements p.a. (€ 0.35/month x 12 x 55.82) 234,44€
Debit balance for amortisation p.a. 7.793,25€
Debit balance after amortisation p.a. (initially 2% of the bank loan)*** 268,88€

* The costs of the construction phase loan depend on the terms of the loan agreement and the length of the construction period
** Energy efficiency program "KfW-55"
*** No instalments are due on the KfW loan in the first 2 years of its term .
This is only an exemplary calculation. None of the income or terms of the loan are guaranteed.
A tax consultant should be consulted to clarify the personal fiscal consequences. The aforementioned information does not constitute an investment advisory service. It serves only to prepare for a decision on an investment.

Munich, 21.07.2020

About PANDION

PANDION is an owner-managed real-estate company with its head office in Cologne We have been involved in developing, building and selling up-market residential, commercial and hotel properties since 2002. Apart from building projects at our home base, we also realise projects in Berlin, Bonn, Düsseldorf, Mainz, Munich and Stuttgart. With 4,900 apartments being planned and built as well as ten larger commercial units, we are one of the top ten property developers in Germany. Our sales volume totals 4.5 billion euros, 2.6 billion of which is in housing. PANDION employs a total of 180 people in Cologne, Munich, Berlin and Stuttgart.

PANDION VISTA

Cologne Rheinauhafen

ISARBELLE

Munich Obersendling

18 years of experience

Project volume of € 4,500 million

4 sites

180 employees

More than 4,000 apartments under construction

Partner for living spaces

PROJECTS

PANDION projects throughout Germany

PANDION VERDE

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