Покупка недвижимости в Германии: пошаговый процесс и где теряют деньги

Free mortgage consultation, bank selection, payment and down payment calculation: https://dub.sh/TTPlwvR Most people looking for a home in Germany look only at the listing price and then lose the deal out of nowhere. A €300,000 apartment requires an extra €30,000 out of pocket, and this is just one of the pitfalls people discover too late. My name is Andrey Timushev, I'm an independent financial consultant specializing in mortgages in Germany, and people regularly buy homes on favorable terms through me, so I know the entire process from both sides. Here's the entire process of buying real estate in Germany step by step: how to understand what kind of apartment or house you can actually afford before searching, how much of your own money you need for the 9-12 percent down payment, how to choose a bank and prepare the documents correctly, where to look for properties and how to conduct yourself during an inspection so the seller chooses you, how to effectively negotiate a price reduction, what you should check in Grundbuch, and how the transaction proceeds with the notary right up until the handover of the keys. I'll also show you the most common stages where money is lost. This video is for those planning to buy an apartment or house in Germany, with a mortgage or cash, with a German passport or a residence permit. No matter what stage you're at, the entire process is here, from the first step to receiving the keys. Knowing the steps will make this process smooth, without wasted time or costly mistakes. How to search for properties, a separate detailed video:    • Купить недвижимость в Германии - ГДЕ искать?   Portal for searching for real estate in Germany https://meineimmosuche.de/andrey-timu... Free credit check SCHUFA: https://www.meineschufa.de/de/datenkopie Timecodes: 00:00 Why add another €30,000 to the price of an apartment 00:47 Step 1: Don't search for a property, first estimate your budget 01:13 How much mortgage will you actually get 02:44 Hidden owner costs and rate lock 03:34 Transaction costs of 9-12%: cash on top of the price 04:58 Where is the purchase tax lower and where is it higher 05:52 Reason #1 why mortgage applications are denied 06:23 How to choose a bank and not ruin your credit History 07:15 Free SCHUFA check before submitting 07:59 What documents to prepare for the bank 09:22 Mortgages with a residence permit, Blue Card, and the role of the German language 10:50 Where to look for properties and where the best deals are hidden 12:50 Inspection: How to make sure you're chosen 14:32 How to reserve a property and buy yourself time 15:28 How to really lower the price 17:00 Property documents: What to check in Grundbuch 18:45 Bank decision and meeting with the notary 20:44 When you officially become the owner 22:11 Key handover: the final step 22:42 The entire process in one step-by-step plan 23:41 What to do next #mortgageinGermany #realestateinGermany #Germany