Partial Sale Munich —
sell a share, stay at home.
In a partial sale you hand over only part of your Munich property, usually up to 50 percent, and that share is paid out immediately. You keep using the whole property, secured by a usufruct right registered with first priority in the land register. For the share sold you pay a monthly usage fee. We tell you plainly when this pays off and when it does not.
AI generatedThe Munich market sets payout and fee
Asking prices in Munich are around 10,450 €/sqm for condominiums and 9,850 €/sqm for houses (as of 2024, source: Immobilienmakler München Starnberg). The market value determines the size of the share sold, and the amount paid out determines the ongoing usage fee. The two are directly linked: the more you have paid out, the higher the monthly burden. Figures for your location can be found in the Munich market overview.
Calculation example
Condominium in Munich, market value 850,000 €. Forty percent is sold, that is 340,000 €. At a usage fee of 5 percent per year you pay around 1,417 € per month for it, roughly 170,000 € over ten years. If the property is later sold for 900,000 €, an exit fee of about 5.5 percent applies on top, around 49,500 €.
For comparison: a usufruct sale of the same apartment yields about 466,000 € with no ongoing payment. Owners who do not want a monthly burden, or who plan to stay longer than ten years, are often better off that way.
Non-binding estimate. Terms, fees and index clauses differ by provider, location and condition of the property.
What we check in the contract
- Usufruct registered with first priority, ahead of the buyer's share.
- Level and adjustment mechanism of the usage fee over the full term.
- Exit fee and value guarantee at the later full sale.
- Who carries maintenance, refurbishment and service charges.
- Buy-back rights for you and your heirs, including the valuation standard.
