For many people, buying their own home is a lifelong dream—a place of security, stability, and freedom. But before that dream can become a reality, finding the right financing is crucial.
At Hausmann Immobilien in Willich, we not only assist you with the purchase of real estate, but also with all questions relating to financing – from the initial calculation to the signed contract. Our free financing calculator helps you to keep track of things and plan realistically.
Clarify your budget – the basis for your home purchase
Before you start looking for your dream home in Willich, you should know exactly how much house you can afford.
Create an honest overview of your income and expenses and also take future changes into account, such as additions to your family or career changes.
A tip: Banks usually set a maximum of 35% of your net income as the monthly installment. A realistic calculation protects you from disappointment and gives you security in your search.
Check and build up your equity
Equity is the key to solid home financing. The more equity you contribute, the better your chances of favorable terms and short maturities.
As a rule of thumb, experts recommend at least 20-25% equity. This can come from savings, securities, or reserves. It is important that you maintain a financial reserve for unexpected costs or small renovations in your new home.
Compare offers – find the right financing
Get several financing offers and compare not only the nominal interest rate, but above all the effective interest rate. This shows the actual total cost of your financing.
Also pay attention to:
- Fixed interest rate (plan for the long term if possible)
- Special repayment options
- Flexible repayment options
This will help you avoid unpleasant surprises and save money in the long term.
Take advantage of subsidies – grants for your home purchase in Willich
Many buyers in Willich are unaware that government subsidies can make financing significantly easier.
Programs offered by KfW or individual federal states provide low-interest loans and subsidies, e.g., for energy-efficient houses or age-appropriate living.
We would be happy to advise you on which subsidies are available for your home purchase in Willich – and, if you wish, we can assist you with the application process.
Sign the contract – move into your own home with confidence
Once all the documents are in place and the financing is secured, the final step follows: signing the contract.
This is where it pays to have an experienced partner at your side. We check the documents, clarify any open questions, and ensure that everything is arranged to suit your needs.
This means you can move into your new home with peace of mind and without stress.
Your dream home in Willich is waiting for you
At Hausmann Immobilien, we accompany you personally, from the initial calculation and financing to the handover of the keys.
In our regional database, you will find attractive houses and apartments in Willich and the surrounding area – properties that not only suit your needs, but also feel like a real home.
Get a no-obligation consultation now and take the first step toward owning your own home.
