Let or Sell

Let or Sell?

Work through your situation in just a few steps

Whether it pays to hold or to sell depends on yield, financing and life planning. Enter your figures and use the criteria to check which way the balance tips.

1 · Your Starting Point

Current market value

Net cold rent (actual or potential)

Outstanding financing

Interest rate of the financing

Personal tax rate

Planned owner-occupation in

2 · Quick Yield Calculation

Gross yield = (annual net cold rent ÷ market value) × 100
Net yield ≈ gross − 1 to 1.5% (costs)

Typical for Dresden: 3.5–4.5% gross rental yield in good locations. If your net yield exceeds the after-tax loan rate, that argues in favour of letting.

3 · Criteria Check

Letting makes sense if …

Selling makes sense if …

4 · My Tendency

My situation

Let Sell Professional advice first

Tax effects (e.g. the speculation period, depreciation) are individual. Recommendation: consult a tax adviser.

Next step

Request current market prices for Dresden now