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About penchanski

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  • Location Erding
  • Nationality British
  1. Apparently not the first time she's done it though... And by the sound of it, she's not properly gemeldet her dual nationality or it would have come light in previous applications.   You're right though, an internet forum is not the best place to get advice for this.    My view is, no-one on the British side of the equation can help. Maybe try a lawyer.
  2.   I have a similar experience ... from trying to get married in Germany. The KVR have a checklist of documents that you need to supply for any given request and there is no option to bypass it. Even if the country that they demand a recently issued birth-certificate from no longer exists, as in our case. This is why there is a cottage-industry for German residents to get married in Denmark, as we did in the end.    It's just bog-standard German bureaucracy (I don't see why you think it is related to Brexit) and there is normally very little that you can do about it. It really depends on the stubborness of the beamter dealing with your case and the best you can hope is to speak to them and persuade them it is an impossible request.    Alternatively, you could apply again later and not tick the box.    
  3. Yes, it's possible. Loan on my apartment runs till I'm 69. Loan on the house I just bought runs till I'm 85.    Those are projections of course, as no-one can say what the interest payment will be after the fixed-rate term (10 and 15 years respectively) or how much sondertilgung I'll pay in the meantime.   Sounds like your bank just doesn't want your business. Get a mortgage broker. Also check if there's a Genossenschaft in your area, they're generally a better deal than the banks but don't use brokers so you need to apply directly.   In any case, you'll have to show what pension you can expect both from Germany and elsewhere, if that applies. I lost out on one apartment waiting for the UK pensions office to send my info through, so maybe you want to ask for such things ahead of time if you're serious about it.
  4. Hi   I'm not a lawyer but have some experience from the tenant side and an interest as a soon-to-be landlord.   The basic law is that cosmetic repairs are the responsibility of the landlord.   He can pass that responsibility to the tenant in the contract, but this has to be written pretty carefully and if he gets it wrong then it is all ineffective and the full responsibility returns to him. There are lots of specifics about this that come from case law. Including, as you mention - it has to be handed over to the tenant renovated in the first place and this needs to be stated. Also, they can't say "painted white", only neutral (this was my case).    They also can't legally keep any of your kaution for cosmetic repairs or fair wear and tear.   A lawyer or the mietverein would normally be able to help you decide what to do.    However, in your case you've already done it. I don't see how having handed the apartment back in good/renovated condition is anything other than a win for the landlord. It's like getting a hire-car empty and bringing it back full. It will be hard to get any money back for that, unless there was a lot of goodwilll from the other side and it sounds like there isn't.    But like I said, I am not a lawyer and this is very easy to get wrong. If you think it's worth it, ask a lawyer.
  5. Minimum income to buy property in Munich area

    As my bank explained it to me, if they repo the house then by law they can sell it for 80% of the value. Therefore any borrowing over that 80% they consider unsecured and will have correspondingly high rates of interest.   You can play around with various factors to reduce it to the magic 80% as quickly as possible ... more eigenkapital, higher monthly payment (tilgung) or regular additional payments (sondertilgung).