Property pension as a pension: Requirements and taxes



Next part



We make the Working World more Human and Ecological, so we donate Revenue for Certified Reforestation. As Publisher Best of HR - Berufebilder .de® with an unique Book Concept, on-demand eCourses and a News Service we share 15 years of Experience with our Customers (Samsung, Otto, State Institutions). By the Top20 -Blogger Simone Janson, referenced in ARD, ZEIT, WELT, Wikipedia .
Copyright: Artwork created as part of a free collaboration with Shutterstock. ,

Staying free of old-age residents is desirable, but has a catch: Often, the owner-occupied property makes up most of the private wealth. So you remain liquid. Property pension as a pension: Requirements and taxes Property pension as a pension: Requirements and taxes

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - PDF download, eCourses or personal advice

Here writes for you: Reinhard Schinkel is according to Handelsblatt one of Germany's best tax consultants and specialist author of tax law. Profile

From the author:

Best of HR Berufebilder

Read


Best of HR Berufebilder

Read


Best of HR Berufebilder

Read


Real Estate

Overview

Definitely a disadvantage when buying property: The capital is cemented in concrete so to speak, and can not be so easily silvered. What to do to stay liquid

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

The real estate rift may offer a royal road from this liquidity trap. This form of old-age security, which is customary in the Anglo-Saxon world, also spreads hesitantly in Germany. But what exactly is to be understood?

  • As a rule, a minimum age of 65 years is required for this form of old-age insurance. In this way, the investor also hedges against a time-incalculable investment.
  • The property may not be burdened, or only slightly, by other liabilities. There should be no major maintenance backlog. The property must therefore be maintained and on a solid stand.

Is a real estate rift worthwhile?

Overview

A real estate renegotiation or reverse mortgages can be worthwhile to exploit the tied capital already during its lifetime. This form of retirement is, of course, dependent on further financial possibilities and family ties.

To be recommended would be a real estate pension with low other income in old age. This is a great way to supplement your pension plan and a tax-friendly alternative.

Taxes are only payable on sale

Overview

In the case of real estate rents, the payment of rent by the vendor is taxable only with the favorable income share.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

An example: With 65 years, the owner sells his property and receives an additional pension amounting to 500 € per month (6.000 € / year). The income share is 18%, because at the beginning of the rent payment the former owner 65 was years old.

What does that mean?

Overview

In turn, this means that only 6.000 € will be taxed from the 1.080 €. 4.920 € are tax-free.

With the disbursement of the reverse mortgage during his lifetime tax is nothing else to consider. The payout is tax-free as it is de facto a pure loan.

But also in terms of inheritance tax can save money with the real estate pension.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!

The trick with the care money

Overview

Especially when no close relatives live anymore, the inheritance costs a huge inheritance tax for nieces and nephews.

However, if you sell the object during your lifetime and support your relatives already during your lifetime (for example as a payment of care allowance) you will receive the appropriate gratitude during your lifetime.

Care allowance may be tax-free

Overview

The trick here is: When paying a care allowance, this is under certain conditions and up to a certain amount tax-free.

In the case of the reverse mortgage, the loan taken reduces the inheritance tax burden on the heirs. The loan amount is deducted from the value of the property.

Tip: Text as PDF (please read the instructions!) or to this text complete eCourse Download. Regular promotions or news per Newsletter!


More knowledge - PDF download, eCourses or personal advice

Overview


Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).

3,35 Book now


Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!

16,20 Book now


Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).

149,99 Book now


occupations pictures

You want to comment here? Please the Debate Rules comply, contributions must be unlocked. Your eMailAddress remains secret. More information on the use of your data and how you can counter this can be found in our privacy policy.

  1. To follow debate on this post
  2. All debates follow
  3. Debates per eMail subscribe (add link here!)
  1. SimoneJanson

    Real Estate Rente - Sinn & Unsinn - Teil1: The prerequisites

Post a Comment

Your email address will not be published. Required fields are marked with * .

JaI would like to be regularly informed about the latest promotions & offers Newsletter be informed.

I hereby accept the Debate Rules and the Privacy policy with the possibility to contradict the use of my data at any time.