Buying property in Erlangen & surroundings

What does buying really cost? Calculator, process and answers to the most common questions.

Purchase cost calculator

Enter the purchase price – the typical additional costs in Bavaria are calculated instantly.

Current mortgage rates

How average mortgage rates in Germany have developed.

8 steps to your own property

Frequently asked questions

How much equity do I need?

As a rule of thumb, at least the purchase costs – about 9% in Bavaria – should be paid from your own funds, as banks usually do not finance them. Clarify the details with your bank or an independent financial broker.

Who pays the agent’s commission?

When private individuals buy an apartment or a single-family house, the commission is usually split equally between buyer and seller (§ 656c BGB). Our buyer’s share is 3.57% incl. VAT.

Can non-Germans buy property in Germany?

Yes, in principle there is no restriction based on nationality. For financing, however, banks often ask for additional documents or more equity depending on residence status.

How long does buying a property take?

From the notary appointment to the key handover usually takes 6–10 weeks. Registration in the land register can take a few more weeks after that.

What is Hausgeld?

Apartment owners pay a monthly service charge (Hausgeld) for management, the maintenance reserve and running costs. Ask for the service charge statement and the budget plan.

Do you advise in English or Hindi?

Yes. Shikha Shrivastava guides you in English, German and Hindi.

When are the purchase costs due?

Notary and land register fees usually 1–3 weeks after the invoice; property transfer tax after receiving the tax notice (usually 2–6 weeks after notarisation); the agent’s commission usually shortly after signing; the purchase price only after the notary’s due-date notice.

All information is non-binding guidance and does not replace legal, tax or financial advice.

Free property buying checklist

All documents for your bank and notary, a viewing checklist and the purchase costs at a glance – as a PDF.

By submitting, you agree that we may use your details to provide the checklist and answer your enquiry. Details in our privacy policy.

Imprint

SS Real Estate und Dienstleistungsgesellschaft

Great Minds Consulting

Licensed real estate broker (§ 34c GewO)
Am Europakanal 40, 91056 Erlangen, Germany

Phone: +49 176 4173 1628
Email: sshrivastava@greatmindsconsulting.eu

Financing and renovation services are provided by independent partners we introduce – all advice and contracts are made directly with the respective provider.