Your real estate portfolio - how should it ideally be structured financially?

One of the clear Advantages of real estate as a capital investment compared to other investment opportunities, such as gold as an investment, is the possibility of lending through banks. It is important to note that the banks evaluate the personal income situation in addition to the property when financing the first property.

As soon as you as an investor expand your portfolio, you - regardless of your assets or financial reserves - almost automatically fall into the category of a professional investor with increased risk requirements Risk requirement. This means that the valuation of the property, including annuities and possible rental losses, is now weighted higher than your personal income. This is another reason why it pays to think about the planned portfolio at an early stage.