New build · Berlin-Köpenick · 3rd floor

Apartment 18

33.86 m² · 2 rooms · Balcony · no commission

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Your gross annual income

€

Tax savings over 10 years*–

Tax-free appreciation (2% p.a.)*–

Your possible gain after 10 years*–

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Living area – visualisation of a comparable apartment — Visualisation of a comparable apartment in the building · sample styling

Bedroom – visualisation of a comparable apartment — Visualisation of a comparable apartment in the building · sample styling

The apartment at a glance

Living space33.86 m²

Rooms2

Bathroom1

Floor3rd floor

Outdoor spaceBalcony

Accessible–

Storage roomYes, inside the unit

ElevatorYes

Purchase price€280.000

Price per m²€8.269

Expected rent (net)€865/month

Total gross rent€915/month

Rent per m²€25.50 net

Sample calculation

Calculate your advantage

Enter your gross annual income – your marginal tax rate is calculated using the official German income tax tariff (§ 32a EStG, 2026). Depreciation: 5% declining balance (§ 7 (5a) EStG) on the full building costs (building share = 80% of acquisition costs incl. 8% purchase costs) – deliberately without the § 7b special depreciation, as no QNG certification is planned. The declining-balance depreciation is not limited in time – switching to straight-line depreciation is possible at any time but only pays off from around year 14; the table therefore applies 5% declining balance throughout. Loan interest counts as income-related expenses. Financing: 100% of the purchase price as a true blended calculation – €100,000 KfW promotional loan 297/298 “Climate-friendly new build” (EH 40, eff. 2.60% p.a., as of Aug 2026; current rate on kfw.de, fixed on the day of approval) plus a bank loan (Euribor-linked, default 4.0% – adjustable). The resulting blended rate is shown in the grey field. Rent assumption: €25.50/m² net, constant.

Your marginal tax rate (official tariff, § 32a EStG): – · Official BMF tax calculator →

Example year 1 of 10 – click a table row to switch the year.

Monthly bank instalment–

Expected rent (net)–Total gross rent: €915 – what the tenant pays

Tax saving per month*–

Ø effective cost (10-year avg.)–

Effective monthly cost–

Year	Interest	Depreciation*	Tax saving/year*	Effective/month*

Looking at year 10

After ten years the speculation period ends (§ 23 EStG) – a sale would then be tax-free. This is the position based on your appreciation assumption:

Property value after 10 years–

Remaining loan after 10 years–

Net property equity–

Cumulative tax savings (10 yrs)*–

Your total advantage after 10 years*–Tax-free appreciation + cumulative tax savings

*Non-binding example with simplified assumptions: 8% purchase costs, building share of 80% of acquisition costs, taxable income simplified as 85% of gross income minus the employee allowance, €0.50/m²/month non-recoverable administration, constant rent. Declining-balance depreciation per § 7 (5a) EStG (construction start 10/2023–9/2029 required), without the § 7b special depreciation; a switch to straight-line depreciation is possible but not advantageous within the 10-year horizon and therefore not assumed. Appreciation is a freely adjustable assumption (default 2% p.a.), not a forecast or guarantee; the tax-free capital gain under § 23 EStG requires i.a. a 10-year holding period as private property. Your actual saving depends on your individual tax situation. Not tax or investment advice – please verify with your tax advisor. Financing terms depend on creditworthiness.

How is this calculated? See the full breakdown →

Floor plan

Floor plan & position on the floor

Floor plan of the 3rd floor (planning permission set) – your apartment 18 is highlighted in gold. Tap neighbouring units to open their pages. The dimensioned individual plan is included in the brochure.

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Position

Where it sits in the building

In the 3D model, your apartment 18 is highlighted in gold – the floors fan out and the camera swings to the right side. Drag to rotate; the compass shows which way windows, balcony and garden face.

Click any apartment for its key facts – the info card links to its page. Click beside the building to see the whole house again. Open model in full screen →

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