Real Estate Speaker: Buying, Investing, Avoiding Taxes and Building Wealth

Speaker Real Estate – Buy, rent, avoid taxes and build wealth, through a property as an investment. The dream of millions of private individuals and thousands of people salesmen, brokers and also those who are already “in” and perhaps already own the first or second property. In the field of real estate speaking there are different interest groups. Individuals, employees, institutions. When buying and selling houses, apartments, plots of land and multi-family houses, it is quickly about millions – every tip that saves money, optimizes taxes, is worth its weight in gold for the participants. Knowledge about financing, legal but also taxes that arise when buying and selling real estate.

Buying: Capital investment and asset accumulation

Very few real estate buyers have experience. Who wants to build up wealth, but does not get around the topic of buying real estate, real estate as an investment, renting and taxes.

No experience, lots of equity: What to do?!

Let’s just take a look at the potential of the sell side when we talk about “experience”. In Germany, for example, only 270 000 properties are sold per year. So the market is not big when we talk about 80 million inhabitants. Every year, a maximum of 270,000 people can gain experience in buying a property. However, most of the real estate does not go to first-time buyers. Minus all the companies, institutions, such as insurance companies and other buyers who purchase the majority of properties for sale, in the end, only a fraction of properties remain for those who buy their first property, second or third.

So let’s say that 100,000 properties a year are sold to first time buyers, it would take 800 years for everyone here to have experience buying/selling a property.

Workshops, further training and coaching are “worth their weight in gold”.

Depending on the expertise, so previous experience, lectures, workshops and seminars are really worth their weight in gold! Let’s say, the number of participants 1,000 or 2,000 euros, saves alone through the entrepreneurial and tax approach, annually over 10,000 euros. A calculation that comes up quickly. So real estate beginners, but also advanced, can learn from the experience of the experiences, but also mistakes, of the “big ones”.

Speaking of “worth gold”: To clarify, for that you could currently, at the gold price of $1,807.94, which is about 1,500 euros, buy almost 7 ounces of gold, 206 grams of pure gold to be exact.

Equity, financing, leverage from the bank (equity/external capital), different types of apartments, types of houses and of course locations (A-location, B-location, C-location), there is a lot to learn on the buyer side. Buying real estate, investment, renting, controlling, these are the most important topics for those who want to build their wealth with real estate.

If you want to become a real estate investor, you don’t buy your own home, you buy a house or apartment to rent out. This way, tenants and the state take over a large part of the monthly costs that you have to pay.

Not only on the buyer’s side, but also on the seller’s side, there is much to learn.

Selling: Trade and markets

Real estate trading is also psychology, just think of the negotiations with the seller’s side.

When selling real estate, it depends on several aspects, already in the preparation. Like the question, when is the right time to sell the property? How much is my property worth? Over 68% of properties are sold with real estate agents. This already helps a lot if you don’t have expertise, because a lot can go wrong in the selling phase, just think of the property valuation. If the asking price is too high, it deters prospective buyers (selling time is extended; possibly pressure on seller side). If the asking price is too low due to the property valuation, the seller loses a lot of money.

So you have to be able to fully trust the agent, or build up knowledge in selling real estate yourself.

As mentioned earlier, in a country like Germany, only about 270,000 houses and apartments are sold each year. Not a large number of transactions, considering the total population of 80 million.

Seminars and speaking engagements therefore focus on two target groups:

  1. Buyers who want to get to know the seller’s side, for advantages in negotiation and
  2. Those who want to sell real estate (significantly less), for example through a spontaneous inheritance and have not had any contact with the subject so far.

In addition, many real estate agents and salespeople who want to learn from the “big”, experienced. For real estate agents and sales people, it is mainly about marketing houses and apartments. It’s not always about a lot of reach, the bigger the property, the more exclusive, the more likely it is to be sold off market.

Network construction, sales analogue and digital, so to speak from the building sign to the real estate portal, up to the construction of exclusive networks, which you need for larger real estates, thus multi-family houses, quarters, large building plots.

So there are different groups of people who resort to training and further education in real estate sales. Here, coaching pays off especially, after all, individual transactions are not about four-digit amounts, but about 7-digit, 8-digit transactions.

Condominium or apartment building: Real estate as a capital investment

However, before entering such spheres, most people start with their first property. Owning or renting, that is often one of the first questions. How much equity do I need to buy a property?

In particular, financing and the type of use will raise many questions for many first-time buyers. Suppose someone has saved hard for five years to then buy their first property. What if a big mistake is made and the property is suddenly empty? What if you run out of capital and you suddenly have to renovate?

Many sticking points that are at the beginning of the considerations, so to speak, in preparation for the first purchase of a property.

Who has gone through this process, however, the first real estate rental has, which comes to completely new issues complex, for example, tax avoidance.

Taxes and tax avoidance

Income tax, business tax, capital gains tax, speculation tax, real estate investors are subject to different types of taxes depending on the legal form of the company/companies you own. The most important and the A&O:

Taxes that you do not have to pay, you can reinvest. Every reinvested euro brings you annual returns.

Tax avoidance is perfectly legal and everyone avoids taxes, even on the simplest tax return, when allowances are taken advantage of.

Tax avoidance is the big issue, for all property owners. After all, taxes are the biggest item property owners have to pay.

In lectures and coaching sessions, you learn everything from tax types that relate to income/profits to special tax types that are unique to the real estate industry. For example, the speculation tax for the real estate seller. Briefly explained: the speculation tax is always incurred, if we stay in the example of Germany, when a rented property is sold again within 10 years. In addition, there are many other types of tax, for example the property tax, which the property owner must pay annually. Often confused with the land transfer tax, which is only due once for the buyer of a property, when purchasing the property.

Further, more in-depth coaching sessions then deal with more complex topics, for example also the possible legal forms, from the real estate GmbH to asset management, special real estate stock corporations (or similar REIT), to family foundations. For which type of real estate, whether house or apartment, which legal form is most profitable for a single or several properties?

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