Jennifer Aha

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We're dropping knowledge.

Welcome to the Urbyo Podcast. Here you can see all our episodes and listen to our thoughts on your favorite topics. Have fun exploring!

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The latest podcast episode is out, so go ahead and have a listen:

Real estate knowledge on the go

Yes, we think the world needs a new real estate podcast. One where all the technical lingo is finally explained. With the facts from the Urbyo podcast "Immobilien einfach machen", real estate investment will definitely be as easy as it sounds. For pretty much every budget. And of course, you can listen to all the episodes on your favorite platform. But please note: It is German audio only.

­čÄžApple Podcast | ­čÄžSpotify | ­čÄžGoogle Podcasts | ­čÄžDeezer | ­čÄžPodigee

Missed an episode?

Here are all of the released Urbyo podcast episodes.

How to make real estate financing work

You have a property in mind but the money is not in the bank? For the financing you probably think of your house bank first, because somehow you think: I know them, so they know me too. Theoretically correct. In practice, however, things are often different. Because they often can't really react flexibly due to internal guidelines. And that's why, unfortunately, they rarely really have the best offer. You're better off - in terms of better conditions - with independent financial brokers (German audio only).

Is a condo worthwhile as an investment?

It's nice to have your savings in a checking account, but it doesn't help if you want to save something for your old age. Setting up a call money account, a securities account and a savings plan are more helpful. But why not invest in real estate? Real estate is basically a part of retirement planning, just like stocks. And if you ignore commercial real estate, more and more money has been invested in real estate in recent years (German audio only).

Financing real estate without equity

The opposite of equity is debt. This is the money you can borrow to buy real estate. Now it is said that buying real estate without equity is very difficult. But there are a few possibilities (German audio only).

The budgetary calculation in the purchase of real estate

Before a bank decides whether to give you a loan, it evaluates both the property you want to buy and your creditworthiness. For this purpose, a so-called household calculation is then drawn up. It sounds harmless, but it involves a lot of paperwork (German audio only).

Follow-up financing for real estate

The follow-up financing will somehow be mentioned when you conclude your loan agreement, but that is still a long way off at that point. And quite honestly, who isn't happy when the topic is over for the time being? (German audio only)

The contract of sale in the purchase of real estate

Theoretically, you can also draw up a short contract of sale with the seller. If you agree, that's actually great. In practice, however, real estate transactions in Germany always have to be certified by a notary public. There are so-called formal requirements that must be met. Ultimately, this serves to ensure the security of all parties to the contract and is also stipulated by law. (German audio only)

Land register. Who actually owns what?

The land register is one of the most important document when buying real estate. All ownership relationships for a plot of land or a property are regulated here. However, it also has its own vocabulary. We'll explain what it says, how it's structured and how to read it - without a lot of gimmicks. (German audio only)

All annuity loans, or what?

For many, knowledge of credit products ends with the annuity loan. Not on our watch! We give you an insight into the variety of possible loan products for your real estate financing. (German audio only)

The little ABC of construction financing

Financing is a crucial issue when buying a property. And questions quickly arise such as: How much can I afford? How much equity should I use? How high should my monthly repayments be? And can I possibly buy more than one property as an investment? Here are the answers. (German audio only)

Real estate bubble: Yes or No?

When it comes to real estate, the keyword real estate bubble comes up again and again. Many are sceptical and fear that they are now paying too high a price. Certainly, there are regions in Germany where there are signs of a real estate bubble. In this episode, we discuss what a real estate bubble is, what factors you should look for when buying and why real estate investment is still a good idea. (German audio only.)

Acquisition-related costs

It is often not so clear that not only the purchase price has to be paid when buying a property. Our financial experts are frequently asked about the financing requirements. Also with the topic depreciations many grope in the dark. So we have a few answers to the acquisition costs and ancillary acquisition costs. Here we go! (German audio only.)

No notary - no property

You cannot conclude a property purchase contract without a notarial deed. This may sound a bit annoying at first, but in the end it makes perfect sense and is helpful, because you and the seller know that everything is legally secure and that everyone gets what was agreed in the contract. There are a lot of things to think about and enter. (German audio only.)

Real estate as a retirement provision

Real estate as a retirement provision is a good idea - and a sensible complement to shares and ETFs. Whether you move into the property yourself or buy the condominium as an investment is of secondary importance. But one thing is certain: you have to provide for your old-age yourself, because the state pension will not be enough to finance your life. In this episode we discuss what speaks in favour of real estate as an old-age provision.

German audio only.

Hurdles in financing

When it comes to construction financing, one thing or another can go wrong. But good preparation is half the battle. This means that if you have your personal documents and those of the property ready, there won't be so much delay, at least in terms of time. What else is important? Listen to this episode (German audio only).

Negotiate the purchase price

Of course, you can negotiate the purchase price - but you don't have to if you're not the type. If the price is good, accept it and be happy about the deal. However, if you have factual arguments for the negotiation, by all means bring them up. This could be, for example, an upcoming modernization of the heating system. If the property has been for sale for a long time or if there is general pressure to sell, you may also be able to do something about the price if you can present a financing confirmation from the bank.
In this episode, you'll learn how to make negotiating the purchase price fun for all parties (German audio only).

Property management

As the owner of an apartment in an apartment building, you are automatically part of a community of owners. Because everyone has different interests and available time, a property management company usually takes care of the property that belongs to everyone. In this episode, we'll explain exactly what property management does. Happy listening!

German audio only.

The rental management

Within a community of owners, your apartment is also referred to as special property. Of course, there are also a few things that need to be done for them, such as monitoring rental income, settling service charges, commissioning repairs, or possibly finding a new tenant. For all these issues, there is then the rental management.

KfW funding stop

KfW Bank stops funding all energy-efficient building projects. This means that the 40 and 55 programs have been stopped overnight. This is a hammer - and for many who have not yet been able to submit their application or are still waiting for approval, things could get tight. This may throw the entire funding over. We discuss why this happened now and what exactly it means in this episode (German audio only).

The real estate purchase contract: Practical knowledge from a notary public

If you are buying a property, the purchase contract is a crucial document. In this episode, Dr. Carsten Cramer from the Spitalerstra├če notary's office in Hamburg reports on how the notary's appointment works in practice and what is important in the purchase contract. It's worth listening in!

Practical questions on follow-up financing

Follow-up financing involves extending your current mortgage. If you have not fully repaid the loan at the end of the agreed fixed-interest period, you need a new loan agreement. A comparison is worthwhile! Why? We'll discuss it in this episode. (German audio only)

Creation of a land charge

Never heard of "Grundschuldbestellung"? No problem. That's the part that comes after signing the purchase contract - and is handled by your notary. In this episode, Dr. Carsten Cramer from the Spitalerstrasse notary's office in Hamburg explains everything you need to know about the creation of a land charge. (German audio only)

Rising interest rates: Why is real estate still worthwhile?

In recent weeks, interest rates have been climbing ever higher. And there is still no end in sight. Real estate is still a good investment. Because: Tenants:inside there will always be. And in conjunction with the current inflation, the rents will also rise, so that this may be somewhat offset with your higher rate.

Owners' meeting

And the question: Should I stay or should I go?
An owners' meeting can last really long time. But it's THE meeting where, for example, business plans and renovation measures are decided that will ultimately affect you financially. Be sure to listen to this episode if you want to know what exactly can be discussed, how you can get topics on the agenda that are burning under your nails and what you can do if you can't attend the owners' meeting yourself. (German audio only)

Financial advisors & loan brokers

Finding the ideal real estate financing can be annoying and time-consuming. If you get help from professionals, it will be much faster and more relaxed for you. This episode is all about the work of real estate loan brokers - and the advantages they offer you.

Pitfalls in the loan agreement

The loan agreement is a lot of paperwork that ends up in your mailbox - with even more legalese. So that you know what you should pay attention to in the disbursement requirements and what cancellation rights, for example, also the bank has, we discuss. Be sure to listen in!

The handover of keys

When buying real estate, many things sound complicated. For example, what is the notice of conveyance supposed to be or what is the transfer of ownership all about? Here you will find all terms explained in an understandable way.

Fortunately, there are also terms where you have a direct idea of what is meant. Handing over the keys is one of them. In this episode "Making real estate easy" we discuss what you should pay attention to and that you don't just get the keys at this appointment.

Finally owner

You've bagged your real estate deal and are now owner:in. Congratulations! As a landlord:in, however, you'll have to deal with a few to-dos right away - and that doesn't just mean checking the receipt of the rent payment. Oliver and Nina discuss what's in store for you in this episode.

Buying a multi-family house

Does it make sense to buy an entire apartment building as an investment property? What are the advantages? How much risk is involved, and how do you handle it? Find out everything in this episode. ­čĆó

What documents do I need for my Urbyo financing?

You should gather a few documents in advance if you are thinking about financing. Find out which ones you need and how to get them quickly here. ­čśÄ

Location, location, location ... when buying a property

Location plays an important role when purchasing real estate. But how do you determine whether your property's location fits your investment? The easiest way is to listen to the podcast! ­čÄÖ

Can I take out financing for modernizations at a later date?

Find out the exact differences between follow-up financing and a rollover and what makes more sense for you and when. ­čÄž

Has the real estate ship sailed?

Especially in times of inflation and rising interest rates, people feel like they missed the opportunity to buy and invest in real estate. In this episode, we explain why this isn't the case and what you need to keep in mind. ­čÄ»

Benefits for your ears

Urbyo makes investing in real estate simple, fair, and transparent.
You should always be able to make the right decision ÔÇö regardless of your experience level. Thankfully, you don't have to spend a lot of time reading books. In our real estate podcast, you'll learn:

  • Whether a condominium is worthwhile as an investment at all

  • What the real estate bubble is all about

  • How construction financing works even without (much) equity

  • What an annuity loan is

  • Why the budget calculation is so important

  • What should be included in the purchase contract

  • When you should think about follow-up financing

  • etc.