Turn the value of your Munich home into a lump sum, regular income or both. We compare the available structures and contractually secure any rights you wish to retain.
A Munich property pension converts illiquid residential wealth into money you can use. You decide whether liquidity today, lifelong income or continued occupation carries the greatest weight.
Where usufruct or a right of residence is retained, its present capital value is deducted from market value. Age, statistical duration, Munich rental value and the exact scope of the right all influence this figure.
Released funds can supplement retirement income, finance accessibility, create reserves or support family members. The right structure follows your plans rather than a standard package.
Gerhard Hahn starts with your financial objectives and the rights you wish to retain. He then reviews the property value and explains every option in clear figures before approaching a buyer.
AI generatedThe strongest way to sell a house and keep living in it: you keep full control over the property, only ownership changes. If life takes you elsewhere later, you may rent the house out and keep the income.
AI generatedYou simply want to grow old in your house and see as much money as possible. A right of residence does exactly that: no letting, but a noticeably larger amount in your account.
AI generatedThe full market price for the house while you stay on as a tenant under your own roof. Suitable for anyone already planning to move in a few years.
AI generatedInstead of one large sum a fixed amount arrives every month for as long as you live, and living there stays free. If payments stop, a notarised right of rescission returns the house to you.
Enter the property value, age and realistic annual rent. The calculator gives an initial estimate of retained rights and possible proceeds, but does not replace an individual valuation.
Ownership passes to a buyer while your lifelong right to use the house is entered in the land register at the same notary appointment. Only the name in the register changes; your daily life stays the same. The buyer deducts the value of your continued occupancy from the price and pays out the rest as a lump sum or in monthly instalments.
Rule of thumb: value of the house minus the value of your continued occupancy, which follows the local rent and your age. For a house worth 850,000 €, a 70-year-old owner and a rental value of 3.8 per cent, roughly 420,000 € remain. The later in life you sell, the larger your payout.
No. Your right ranks first in the land register and survives any change of owner, forced auction or insolvency of the buyer. Termination for personal use is legally impossible because you are not an ordinary tenant.
Usufruct lets you rent the house out, for instance if you later move in with your children or into care, and the rent belongs to you. A right of residence covers your own occupancy only, which is why the payout is noticeably higher.
That is fixed in writing before you sign. Usually the new owner carries roof, façade, heating system and property tax, while you continue to pay electricity, water, heating costs and small repairs. This split decides how much of the proceeds really stays with you.
Usually not: anyone who has owned or lived in the house for ten years sells free of income tax. With a life annuity only the income portion is taxed, around 15 per cent when payments start at 70. Have your case checked before the notary appointment.
The first discussion and indicative calculation are free and without obligation. We can visit your property in Munich, the Starnberg area or elsewhere in Bavaria.
A reliable property pension requires a sound valuation, accurate pricing of every retained right and contractual terms aligned with your personal priorities.
We compare usufruct, residence rights, leaseback and life annuity, assess suitable counterparties and guide the transaction through notarisation with transparent figures.
We inspect and value your property discreetly before calculating a suitable property pension. The first figures can also be discussed at our Munich office.
Our verified profile combines services, reviews and contact options for owners considering a property pension in Munich.
