First, the difference between housing property rights.
Buying a house in Germany is true, but buying a house in China has a fixed number of years.
Second, the difference in mortgage interest rates.
The interest rate of houses in Germany is relatively low, but there is an annual interest rate. German banks' housing loans are generally fixed interest rates. At present, the ten-year fixed-rate loan interest rate is about 3.5-3.7%, and the twenty-year fixed-rate loan interest rate is about 4.2-4.5%. Less than 3% in five years. The interest rate of the loan is also related to the amount of the loan. Generally, 90% of the house price is 100%, and then if it is lower than 60% (actually 54%).
China's mortgage is floating.
Third, the difference between house decoration
There are blank houses in China, but there is no such thing as blank houses in Germany. Buying a house in Germany is basically a rough decoration, and these decoration fees have been included in the house price.
Therefore, the total expenditure on decoration after buying a house in China is quite high. Although the domestic decoration building materials are still relatively comparative, the cost of 7788 is not low if the blank house is decorated. Although the price of building materials in Germany is relatively high, it may be 10 euro to solve the decoration problem in China, and it may be around 15 euro in Germany, which is famous for its quality, so it is not sloppy in building materials standards and renovation contract.
For example, buying a new house in China is 850,000 yuan, and the decoration cost is 654.38+ 10,000 yuan. In fact, this is a common phenomenon in China, and the decoration cost is generally above 654.38+00% of the house price. Therefore, the average estimated decoration cost in China is generally between12% and 20%, while that in Germany is generally between 5%- 10%.
Therefore, it is more expensive to buy decoration materials in Germany than in China, but the overall decoration cost is lower than in China.
Fourth, the difference between buying furniture and home installation
In China, you go to the furniture market to buy furniture. Basically, there are waiters in front of every counter to help you solve the confusion of buying furniture. In the furniture market in Germany, all the problems are solved by yourself, and sometimes even there is no waiter to help you explain when you buy a whole set of furniture. After buying furniture, domestic furniture installation door-to-door service is basically free, and the cost of these door-to-door services is generally included in the purchase of furniture.
However, the installation cost of furniture in Germany is calculated separately, so some people will be puzzled by the installation cost when they first come to Germany to add furniture to their homes, so don't be surprised by the installation cost of furniture after understanding it. This is a German custom. At that time, some people in China bought a house in the Oak Garden of ICCN Company in Birkenfield, Germany, and found that they had to pay the labor cost for installing furniture when adding furniture.
As a newcomer to Germany, I don't know the German system, so I even have some contradictions. Therefore, when buying a house and installing furniture in Germany, we must pay attention to labor costs and avoid unnecessary disputes. In China, there are no labor costs.