Reguläre lineare Abschreibung: 2 %
20.000 € pro Jahr.
Your financingspecialist for tailored solutions
— Personally accompanied. Precisely structured. Aligned with your goals.
Financing as a Strategic Advantage
DK Real Estate integrates marketing and financing at a level beyond conventional brokerage services. With our integrated financing expertise, both parties benefit: sellers from qualified, creditworthy buyers and increased closing security. Buyers gain early clarity on their financing framework, options, interest conditions, and the bank's loan-to-value ratio, as well as a financing certificate. This creates transparency and security throughout the entire transaction process.
More than just agents
– that proceeds faster, more securely, and in a more economically convincing manner
For sellers, this represents a significant added value. Buyers who have already prepared their financing with us are often perceived as particularly reliable, as financing capability, inquiries, and next steps are clarified at an early stage. This builds trust, enhances planning security, and makes the entire sales process more resilient.
Clear Responsibilities
- One Process. One Team.
At DK Real Estate, marketing, financing, and professional evaluation are seamlessly integrated. Relevant matters are not distributed over external interfaces but are coordinated internally and managed efficiently. This reduces frictional losses, avoids communication gaps, and ensures decisions are implemented faster, more clearly, and more reliably. Our financing department, architectural expertise, and professional partners work closely together. This creates a process without unnecessary detours, where information, assessments, and next steps are directly coordinated – for greater efficiency, more control, and a noticeably more professional workflow.
Direct Coordination, No Detours
Financing, property assessments, and strategic preparations are closely coordinated with us and not unnecessarily distributed to third parties. This saves time, reduces friction, and creates a significantly more efficient overall process.
Authorizations for Swift Execution
With the appropriate authorization, we take over the procurement of missing documents from offices, authorities, administrations, or archives upon request. This accelerates necessary steps without requiring you to accompany every procedure.
Architecture and Expertise In-House
With architectural expertise and professional support readily available, potential, enhancement possibilities and project-related questions can be assessed early on and thoroughly. This improves decision-making quality at financial institutions and creates true added value throughout the entire process.
Financing that creates real value
Our in-house financing expertise provides value for both parties and ensures clarity and a professionally managed process. Buyers receive an accurate assessment of their options and a sound financing structure. Sellers benefit from qualified, well-prepared prospective buyers and greater reliability in the process.
/ As a seller
550+ banks
& direct financing expertise
With our extensive network of banks and financing partners, we can structure and compare reliable financing options early on. This gives buyers more transparency regarding their possibilities, while sellers benefit from better prepared and more reliable prospective buyers.
Credit check and qualified prospective buyers
Early in the process, we assess the financial capability and feasibility on the buyer's side. This provides sellers with greater security in selecting prospects, while buyers gain early clarity on which properties realistically align with their financial situation.
Market Value Analysis
& Combined with Bank Perspective
We evaluate properties not only from a market perspective but also from a financial viewpoint. This dual approach provides a solid foundation for both buyers and sellers because price, financing feasibility, and bank evaluation are clearly consolidated.
Property Preparation Focusing on Financing Viability
Key factors such as living area specifications, energy performance certificate, available documentation, and property-relevant metrics are carefully reviewed and optimized or supplemented if needed. This enhances the quality of the decision-making basis for buyers while simultaneously reinforcing the professional positioning of the property within the sales process.
More Clarity. More Security. Improved Processes.
When financing is considered professionally at an early stage, both parties benefit: buyers gain certainty about the framework, options, and next steps, and sellers gain assurance regarding the counterpart's reliability and the process's stability. This makes the entire transaction more predictable, efficient, and transparent.
Quickly, Securely, and With the Best Offer to Completion
When you buy through DK Real Estate, you will benefit from a process that integrates financing, property documents, and decision-making foundations at an early stage. This creates a workflow that is not only faster but also clearer, more reliable, and more efficient for you.
/ As a Buyer
The property is prepared for financing before you inquire
Each property is prepared in a structured manner with all relevant property documents early on—from the land register extract and declaration of division to the energy performance certificate and other financing-relevant documents. This allows the bank to start its review faster, providing you with clarity early on, without losing time due to additional requests.
Clear documentation structure instead of unnecessary queries
We have a thorough understanding of the banks' requirements. That is why we provide you with a neatly structured overview of the personal documents actually needed for your financing. This reduces unnecessary effort, avoids needless follow-up queries, and makes the entire financing process noticeably more efficient.
Financing approvals in a short time
Thanks to our structured preparation and direct collaboration with a wide network of financial institutions, financing inquiries can be processed much faster than in many traditional processes. This way, you gain speed without sacrificing quality or reliability.
Clarity on the bank's loan-to-value ratio
You will not only learn the market price of a property, but also how it is valued by the bank. This perspective on the bank's loan-to-value ratio creates an additional decision-making layer and provides you with greater confidence in price understanding, financing feasibility, and purchase decisions.
Personal support, digital and on-site
We guide you flexibly through the entire financing process—digitally, by phone, or in person. This allows for efficient coordination while leaving room for personal consultation and informed decisions. This creates trust, clarity, and a process tailored to your daily life.
Up to 6% depreciation instead of 2%
– With a residual useful life assessment, a depreciation of up to 6% may be possible
In addition to location, value development, and rental potential, the tax structure of a property investment plays a crucial role. Under certain conditions, a remaining useful life appraisal can contribute to significantly increasing the annual depreciation—an aspect that can unlock substantial economic potential, especially for existing properties.
/ Calculation Example
Sample Tax Impact for a Building Value of €1,000,000
Frequently asked questions about propertyfinancing
/ faq
How much equity do I need for property financing?
For property financing, banks generally recommend contributing around 10-20% of the purchase price as equity, and additionally covering the purchase-related costs—such as property transfer tax, notary, and agent fees—from your own funds.
Depending on your creditworthiness and initial situation, financing up to the full purchase price is also possible, and in some cases even beyond, including additional costs.
We analyze your individual situation and, together with our in-house financing service, structure a suitable and sustainable solution—tailored to your goals and opportunities.
What is the detailed process for financing?
The financing process begins with an initial consultation with our financing expert—via phone, video conference, or in person. During this, we analyze your project, your financial framework, and your goals, developing initial financing options, including a personalized financing certificate.
Once you have secured your desired property, we review the entire market with over 550 banks and develop a tailored financing concept with the best possible terms for you. We assist you in compiling all necessary documents and submit the application in a structured manner to the appropriate bank.
After the final credit assessment and financing approval, we continue to support you throughout the entire purchasing process and remain by your side beyond that.
How long does it take to receive a financing approval?
You will receive an initial assessment during the first consultation. We provide an indicative, time-limited financing offer within 24-48 hours.
Upon submission of all documents and the final application, the binding financing approval is usually given—depending on the bank—within 3 to 14 days.
What is the cost of financing advice?
You incur no direct costs. Our compensation is provided solely upon successful facilitation through a one-time brokerage commission by the financing bank. Excluded are commercial property or project financings.
Does a financing inquiry affect my creditworthiness (Schufa)?
We work strategically and in your best interest. Financing inquiries made through us are discreet and credit-neutral, ensuring your Schufa is not impacted.
Personal Inquiry
F F F F F/ WE LOOK FORWARD TO YOUR INQUIRY
Whether buying, selling, valuating or financing – we take the time to attend to your needs. Please leave us your contact details, and we will get back to you personally as soon as possible.
/ Bewertungen
Real Estate, Herr Gaemi ist sehr kompetent. Der Hausverkauf dauerte nur 2 Monate. Wir als Erbengemeinschaft sind sehr zufrieden mit seiner Arbeit. Er gab uns auch noch eine hübsche Tüte mit Pralinen und Sekt. Danke Herr Gaemi!
Gunnar Kämmer
100%ige Empfehlung! Wir hatten eine Marktwertanalyse unserer Eigentumswohnung durch Herrn Ghaemi, der super professionell, sehr angenehm und freundlich war. Unsere Wohnung wurde realistisch bewertet und wir waren mit dem Kontakt und dem Prozess insgesamt sehr zufrieden.
Margret Miller
Vielen Dank von Herzen für die ausgezeichnete Betreuung des gesamten Vermittlungs-Prozesses in Berlin! Sehr gern empfehle ich den hervorragenden Service weiter und freue mich auf ein nächstes Mal. Herr Rouhani findet mit allen Beteiligten auch bei schwierigen Gegebenheiten mit großem Engagement sehr faire Lösungen. Das gesamte Team habe ich erst im Zuge dieser Projekt-Bearbeitung kennengelernt und bin positiv überrascht worden…
Oliver Roser
Ich habe über D.K Real Estate drei Geschäfte und eine Wohnung gekauft. Vom ersten Kontakt bis zur finalen Übergabe lief alles strukturiert, transparent und professionell. Die Kommunikation war klar, Termine wurden eingehalten, und bei Fragen war immer jemand erreichbar. Man merkt, dass hier Wert auf saubere Abwicklung und echten Service gelegt wird.
Mirage Co. Consulting
Bester Makler überhaupt. Ich habe Erfahrungen in München, Hamburg etc. DK war immer zuverlässig, pünktlich, zuverlässig. Absolut zu empfehlen.
Stefan Dahnke