How does rent-to-own work?
Our rent-to-own model
First, together with a financing partner, we check whether you can buy in monthly instalments without a down payment. The property's cash purchase price is used as the basis, with no surcharge added to that price.
Sufficient creditworthiness and residence in Germany are required. The financing partner decides after assessing your application, so this option is not available to every customer.
If this financing is not possible, we can offer rent-to-own on different terms. We discuss the applicable purchase price, any down payment, monthly instalment and term individually.
Our rental agreement with an option to buy gives you the keys so you can start renovating, without bank financing or a SCHUFA credit check. The agreed monthly instalments are credited in full towards the purchase price. After you exercise the purchase option, the sale is completed through a notary. You become the owner when you are entered in the land register.
.png)
Your benefits
Our rent-to-own model offers you a flexible and affordable way to acquire your own home. Here are some advantages that make the model so attractive:
• Start now and buy later: Rent the house and secure the right to buy it later from the outset.
• No SCHUFA credit check and no bank: You do not need a loan or a credit check; a valid identity document is sufficient.
• Rent payments count towards the price: Your monthly rent payments are credited in full towards the later purchase price.
• Low initial costs: You do not have to pay a large sum all at once, making it easier to get started.
• Clear planning: The purchase price, term and your rights are clearly set out in the rental agreement.
• Interest-free payments: With no interest to pay, you can often pay off the house sooner than with a bank loan.
• Early repayment is possible: If you finish paying earlier, we can often reduce the total price.
• Flexible instalments: The monthly payment can be adjusted to your personal circumstances.
The rent-to-own model is straightforward and allows you to acquire ownership in convenient steps.
The procedure is as follows:
1. You choose a house.
Browse our offers and choose your desired item. We're happy to help if you have any questions.
2. You reserve and sign the rental agreement with an option to buy.
The contract clearly regulates the contract term, rent amount, down payment and all other conditions – transparent and fair.
3. You get the key and begin the renovation.
You can get started right away. As soon as the house is habitable and you're ready, you move in – completely stress-free.
4. You pay your rent monthly.
The agreed monthly instalments are credited in full towards the eventual purchase price.
5. You exercise the purchase option.
Once you have paid all the installments or the agreed date has arrived, you can officially buy the house – at the price stated in the contract.
6. You will become the owner.
The purchase will be finalized at the notary's office and you will be registered in the land register. The house now belongs to you.