whentopurchase.com: Simplifying Home Buying
Your guide to making informed decisions in the home buying process.
01
Interest
Check affordability
Use our Purchase Calculator to determine your budget and understand how much you can afford
02
Review
Get financial advice
Leverage the Purchase Calculator to calculate financial returns and connect with trusted financial advisors
03
Search
Begin property search
Search for listings on platforms like Immobilienscout24 or Immowelt after you decide on key criteria:
04
Negotiate
Agree on a price
Always negotiate. Place first bid ±10% below asking price. If you have to, gradually move up in price until your walk away price
05
Reserve
Reserve the property
Once price is agreed, pay the reservation fee (0.5–1% of the purchase price) giving you ±4 weeks to finalize the mortgage
06
Loan
Find the best mortgage
Compare offers and find the best mortgage using insights from the Purchase Calculator
07
Contract
Review the contract
A notary will draft the purchase contract. You’ll have 14 days to review and propose changes.
08
notary
Sign the contract
Agree on a meeting with notary to sign the contract. Once signed, the notary will register your ownership in the Grundbuch (land register)
09
Pay
Make the payments
Pay the purchase price and instruct the bank to pay once the notary gives the go ahead. Pay the related taxes and notary fees
10
Celebrate
You are a home owner!
Celebrate owning your new home by furnishing and decorating to match your style. Explore local resources and ideas for renovations and home design
Simplify Home Buying
Get Expert Guidance
Start Your Journey Today