ImmoCheck

1. Property details

Basic property data:

• Purchase price and automatic calculation of the price per m²
• Living space for all further calculations
• Full address with intelligent autocomplete function
• Federal state for regional tax calculations
• Automatic calculation of additional costs (real estate agent, property transfer tax, notary, land register)

Additional costs in detail:

• Brokerage fee: varies regionally, often 3.57% to 7.14%
• Real estate transfer tax: Depending on the federal state, from 3.5% to 6.5%
• Notary fees: Standard 1.5% of the purchase price
• Land registry entry: Typically 0.5% of the purchase price

2. Facilities and comfort

Features:

• Kitchen: fitted kitchen, pantry or no kitchen
• Balcony or terrace for living quality
• Garden for additional living value
• Heating type: gas, district heating, oil, electric or other systems

This information is included in the qualitative assessment and influences the rental potential and long-term value development.

3. Building information

Technical object data:

• Year of construction: Decisive for depreciation calculation and energy standards
• Number of rooms for target group determination
• Floor and location in the building
• Apartment unit number for unique identification
• Monument protection status for special depreciation options
• KfW efficiency class for funding opportunities
• Energy consumption in kWh/m²*a for efficiency analysis

4. Rent and operating costs

Income and running costs:

• Cold rent: Monthly rental income without additional costs
• Property tax: Annual burden (Tip: Use our property tax calculator)
• Maintenance fee: Monthly operating costs for condominiums
• Apportionable costs: Additional costs that can be passed on to tenants
• Non-recoverable costs: Your costs as a landlord
• Automatic rent including heating: Calculation from cold plus apportionable costs

5. Financing

Loan conditions:

• Main loan: loan amount, effective interest rate, repayment rate
• Automatic capital service: Calculation of the monthly charge
• Additional loans: For example, KfW loans with other conditions
• Weighted averages: Automatic calculation for multiple loans
• Loan types: annuities or repayment loans

6. Depreciation and tax

Tax optimization:

• Personal tax rate: Your income tax rate for calculations
• Depreciation type: linear, declining balance or special depreciation
• Depreciation rate: Typically 2% for old buildings, 3% for new buildings
• Land share: Non-depreciable part of the purchase price
• Special depreciation options: Additional depreciation for special objects

7. Other costs and forecasts

Other important parameters:

• Rent loss reserve: Recommended 3 to 5% of the annual rent
• Maintenance reserve: Approximately 1 euro per m² per month
• Rent increase: Expected annual rent development
• Increase in value: Forecast of real estate value development

Pillar 1: KPIs (Key Performance Indicators)

Immediately visible evaluation results:

• Cash flow before taxes: Monthly surplus or deficit (e.g. €-160.00 monthly)
• Cash flow after taxes: Taking into account all tax effects (e.g. €638.58 per month)
• Gross rental yield: Ratio of annual rent to purchase price in percent (e.g. 3.25%)
• Rent factor: purchase price divided by annual rent (e.g. 30.79)
• Return on equity: ROI based on your invested equity (e.g. 8.21%)
• Asset growth: €1,026.08 per month from repayment and cash flow
• Tax situation: tax refund or charge (e.g. €-9,583.00 refund)

Color-coded rating scales: Each metric is categorized into intuitive color bars (low/medium/high) for instant performance assessment.

Pillar 2: Long-term impacts

Interactive development diagrams:

• Cash flow development: before and after tax over 30+ years
• Asset growth: Annual and cumulative equity accumulation
• Debt service: Development of interest and principal portions
• Depreciation history: Depreciation amounts over the useful life
• Exit calculator: Sales proceeds and return on sale (e.g. €683,954 in year 30)

Flexible time periods: Switch between 10, 30 or 50 year projections for different investment strategies.

Pillar 3: Location analysis

Data-driven site assessment:

• Socioeconomic score: (e.g. 82/100) based on unemployment rate, income, population development
• Infrastructure Score: (e.g. 57/100) evaluating public transport, education, shopping, leisure
• Overall rating: (e.g. 70/100) as a combined location index
• Detailed factor analysis: Each criterion is evaluated and weighted individually, with concrete values ​​such as "3 public transport stops" or "18 leisure activities".

AI Location Analysis (Enterprise): Comprehensive textual assessment with investment recommendations based on all location factors.

Pillar 4: Energy efficiency

Comprehensive energy assessment:

• Efficiency class: A+ to H classification (e.g. A+ for new buildings 2024)
• Consumption: Specific energy consumption per m² (e.g. 8.30 kWh/m²)
• Annual heating costs: Specific cost calculation (e.g. €180.61)
• CO₂ emissions: Environmental balance of the property (e.g. 135.46 kg/year)
• Benchmark comparison: Classification against modern buildings and old buildings
• Optimization potential: Detailed analysis of improvement opportunities and remediation measures.