Price reduction: €229,000 instead of €244,000; Interest rate: 0.9% instead of 2.9%; 12% equity required!

The Fockbek building complex, designed and built by an architect, consists of three terraced houses. The front building is to be sold and comprises two apartments on the ground floor and in the attic (adjacent to the pellet storage building). The ground floor apartment has been given notice by the tenant and will be vacant as of December 1st, 2026, allowing a new tenant to move in at that time.

Financing
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The unique feature of our offer is the financing structure. Since the ground floor and attic apartments are free of debt, the owner grants the buyer a preferential loan. The advantage: streamlined process, no need for bank negotiations, a fixed interest rate for 5 years, the possibility of making early repayments at any time, and quick decisions. The terms of the preferential financing are as follows: 2.9% interest rate, 1.1% repayment, and a term (fixed interest period) of 5 years. This financing concept becomes even more advantageous if you purchase both apartments in the front building. As a result, the interest rate is reduced from 2.9% to 0.9%, and the repayment increases to 3.1% for the duration of the 5-year fixed interest period. After 5 years, our preferential financing can be replaced by a bank loan of your choice, unless the owner offers a follow-up financing option. The lender must provide details of the follow-up financing terms (interest rate, repayment, and fixed interest period) at least 3 months before the end of the fixed interest period. The equity required is 12% of the purchase price, plus ancillary purchase costs. A draft loan agreement and financing plan are attached to this commission-free offer as a PDF file. If you wish to use a smaller amount of equity, the repayment rate during the 5-year fixed-interest period could be adjusted accordingly. I urge you to carefully review these documents, as they answer many questions. Thank you in advance. If you rent out the entire property, you can cover the management costs from the rental income. I would also like to draw your attention to a special case. This special case concerns self-employed investors. Based on our experience, this group often has difficulty providing proof of income, especially if the business was recently established. In such cases, we may be able to waive the requirement for proof of income.

If you wish to take advantage of the preferential financing, you must submit proof of income and equity before viewing the apartments, in order to demonstrate your serious intention to purchase. Upon receipt of these documents, we will promptly schedule a viewing appointment for you, as promised. Both apartments in the front building would be particularly well-suited for multi-generational living, so we would also like to offer these investors preferential financing. The above applies accordingly.

Summary: Purchase of the ground floor apartment
€229,000.00 Purchase price
-€28,000.00 Equity (12%)
€201,000.00 Loan
2.9% Interest rate
1.1% Repayment
€670.00 Monthly payment (annuity)
€399.00 (including heating costs!)
€184,632.45 (potentially refinanced by a bank, outstanding balance as of 12/31/2031)

Summary: Purchase of both apartments
€229,000.00 Purchase price (ground floor)
€164,000.00 Purchase price (attic)
-€28,000.00 Equity (12%)
-€19,000.00 Equity (12%)
........................­...................
€201,000.0­0 Loan (ground floor)
€145,000.00 Loan (attic)
0.9% Interest rate
3.1% Repayment
€670.00 Monthly payment (ground floor)
€483.33 Monthly payment (attic)
€399.00 Monthly service charge (ground floor, including heating costs)
€348.00 Monthly service charge (attic, including heating costs)
€850.00 Rental income (attic, ground floor, assuming owner-occupancy for the ground floor)
€175,025.44 (ground floor) Outstanding balance as of 12/31/2031 (potentially refinanced by a bank)
€126,262.13 (attic) Outstanding balance as of 12/31/2031 (potentially refinanced by a bank)