Buy instead of renting: where the real estate purchase 2025 is worth it!

Buy instead of renting: where the real estate purchase 2025 is worth it!

The real estate market in Germany seems to be in change in 2024: While the prices for condominiums have dropped by 0.7 %, the net rents show a significant increase in 5.1 %. This development shows a clear trend - buying is cheaper than renting for many households. The ftd reports that in 48 regions of Germany the purchase of real estate is more worthwhile than rent.

A look at the "Postbank Wohnatlas 2025" confirms that 23 % of households live in the so -called cheap purchase regions, where less than 15 % of the income for loan payments are required. In contrast, a quarter of households fight in 56 regions with high loads, where at least 25 % of the income for real estate financing goes. Even if rents have risen, the proportion of construction finance in household income has decreased from 19.2 % to 18.3 %.

Financial burdens in the focus

The net rent for an average 70 square meter apartment now claims 14.1 % of the budget budget, which is an increase compared to 13.9 % in the previous year. In this context, it becomes clear that rents rise more faster than income - this development often reveals the question of whether tenants do not better invest in a condominium. Tree characteristics such as real estate transfer tax and notary costs have to be taken into account, but the reason for the fundamental consideration remains: In rural regions, especially in East Germany, a cheaper financial structure can often be achieved.

The average burden for tenants in large cities can be read on the basis of the market analyzes. The Postbank emphasizes that in cities such as Berlin, Munich and Hamburg, the difference between buying and rent loads is strong. Here the rental load in Berlin reaches approximately 27.1 %, in Munich it is 25.5 %, which makes the decision to buy all the more pressing, especially taking into account the increasing housing costs.

regional differences and purchase recommendations

If you look at the entire Federal Republic, an interesting picture shows: in 130 circles and independent cities, the property purchase is considered to be portable, since less than 15 % of the middle income is eliminated on loan payments. One example is the district of Mansfeld-Südharz, where the financing rate is 3.1 % below the rent. Such cheap locations are extremely attractive for buyers. However, buyers should always keep an eye on the long -term portability of the financing and plan enough buffers for unforeseen expenses.

The development of real estate prices is still influenced by various factors, such as construction costs, availability of building land and the general economic conditions, according to the report by Engel & Völkers . These factors have direct effects on demand and thus also on prices.

summarized it is shown that the purchase of real estate in many regions of Germany becomes more attractive, while rental prices continue to rise rapidly. For future buyers it means to take a close look and take the best opportunities - the chance of good business is given in many areas!