Save taxes with real estate - all facts and changes 2025

Do you not only want to achieve return with your property, but also save taxes? How can you get more out of your investment or your own home and what changes do you have to do 2025 observe?

Real estate has always been considered one of the safest and reigned investments - not only because of the increase in value, but also because of their attractive tax advantages. With the right knowledge you can significantly reduce your tax burden and thus optimize your return. Especially for landlords:Inside and investors:There are numerous options inside, Saving taxes - be it through depreciation, Advertising costs or grants for energy renovations.

In this article you will learn everything important about the topic Save taxes with real estate and the new regulations 2025, so that they are well informed and optimally positioned for tax purposes.

Save taxes: Real estate as an investment

Real estate is not just safe real assets, but also offer you versatile tax design options. Especially when you rent your property, you can have many expenses around purchase, Assert operations and maintenance tax.

These include:

• Depreciation on the building value

• Interest for real estate loans

• Maintenance- and renovation costs

• Administrative costs and ancillary costs

With a clever tax strategy you can significantly reduce your annual tax burden and thus increase your return.

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What off 2025 changes through the annual tax law

From the 1. January 2025 apply new tax rules for property owners:inside and investors, which primarily affect the depreciation:

• Useful report: Shorter depreciation periods by reports will only be permitted in the future, If the remaining useful duration under 10 Years lies. This limits flexible depreciation.

• Local tour obligation: Experts will have to visit real estate on site in the future, To determine the remaining useful life. This increases the effort, But ensures more accuracy.

These changes make professional advice more important than ever. Therefore, plan early and commission an expert opinion in good time, To optimally use tax advantages.

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Tax advantages through depreciation (AfA)

Die Dismission for wear and tear (AfA) is a central instrument, To assert the loss of value from real estate tax.

Types of depreciation:

• Linear depreciation: The building value is evenly distributed over the service life. Mostly with residential properties 2 % per year over 50 years.

• Degressive depreciation: Initially higher depreciation amounts, Currently hardly relevant for real estate.

• Special depreciation: Additional depreciation in the first few years, e.g.. In energetic renovations or new buildings.

Special features:

• Residential building 1925 be able to 2,5 % be written off per year.

• Refurbishment costs can often be deducted as advertising costs or distributed via the AFA.

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As a landlord:discontinue in advertising costs

As a landlord:In you can claim a variety of costs as advertising costs and thus reduce your tax burden:

• Interest for real estate loans - fully deductible

• Maintenance and renovation - repairs, Beauty repairs and modernizations

• Administrative costs - property management, broker, etc.

• extra costs - Operating costs, As far as worn by the landlord

• Travel costs - for real estate visits or administration dates

In this way you can effectively reduce your taxable income from renting and leasing.

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Real estate purchase: So you can save taxes

Plan the purchase of a property, Do you have numerous options, to use tax advantages. Whether through clever depreciation, Funding or clever tax strategies - with the right knowledge you can significantly reduce your tax burden.

You can use these tax benefits as the owner:in use:

• Depreciation: You can deduct the loss of value of the property for years (AfA).

• Interest charges: The interest for a loan to finance the property can be deducted.

• extra costs: Emergency fees, Brokerage commission and real estate transfer tax can be taken into account indirectly through depreciation or as acquisition costs.

• Repairs and modernizations: These expenses can often be deducted directly from the tax.

extra costs, that you can assert tax:

• Real estate tax: Increases the depreciation base, but cannot be discontinued directly.

• Notark costs: Belong to the acquisition costs and are taken into account via the AFA.

• Brokerage fees: Also relevant to acquisition costs and tax relevant.

• Travel costs: Deductible for visits and authorities.

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Save taxes in commercial properties

Commercial real estate offers you as an investor:In numerous options, Saving taxes. Whether office building, Warehouses or retail space - the tax deduction of costs and depreciation makes these properties particularly attractive.

Their possibilities:

• AfA: Even in commercial properties, the removal for wear and tear is an important tool. An expert opinion will help you, To optimize the depreciation base.

• Finance interest: Fully deductible.

• Operating costs: Strom, Water, Heating and other additional costs, unless worn by the tenant.

• Repairs and maintenance: Reduction of the tax burden by deductible expenses.

• broker- and emergency fees: Belong to the acquisition costs and can be deducted via the depreciation.

• Energetic renovations: Not just environmentally friendly, but also tax -attractive.

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Energetic renovation: Taxes and energy saving

An energetic renovation not only saves energy and protects the environment, but also offers significant tax advantages.

Your advantages:

• Up to 20 % You can deduct the renovation costs for tax over three years.

• Requirement: The measures take place on your own home and are carried out by a specialist company.

• Funding and tax discounts can often be combined.

Example: In the case of renovation costs of 30.000 You can 6.000 Put out the euro tax.

Funding programs, that you can use:

• KfW funding with low-interest loans and grants

• BAFA subsidies for efficient heating systems

• Regional grants from federal states or municipalities

Most effective measures:

• Thermal insulation of roof, Facade and windows

• Exchange of old heating technology through heat pumps or modern heating systems

• Window exchange for better thermal insulation

• Solaranlagen für erneuerbare Energien

Änderungen ab 2025:

• Schärfere energetische Standards

• Neue Klimaschutzprogramme

• Anpassungen der Fördersätze

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Immobilien und Steuern: Grunderwerbssteuer sparen

Die Grunderwerbsteuer ist ein großer Kostenfaktor beim Immobilienkauf und variiert je nach Bundesland zwischen 3,5 % and 6,5 % des Kaufpreises. Doch es gibt Wege, diese Steuerlast zu reduzieren:

• Separater Kauf von beweglichen Gütern: Vereinbaren Sie im Kaufvertrag, dass Einrichtungsgegenstände wie Küche oder Möbel separat verkauft werden. Diese werden nicht mit der Grunderwerbsteuer belegt.

• Getrennter Kauf von Grundstück und Haus: Gerade bei Neubauten kann es sinnvoll sein, das Grundstück separat zu erwerben und dann das Haus bauen zu lassen. Die Grunderwerbsteuer fällt nur auf das Grundstück an.

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Steuern sparen durch Denkmalschutz

Denkmalschutzimmobilien bieten Ihnen neben dem Erhalt historischer Gebäude auch erhebliche steuerliche Vorteile:

• Erhöhte Abschreibungen: Sanierungskosten können über 12 Jahre verteilt abgesetzt werden (in den ersten 8 Jahren jeweils 9 %, in den folgenden 4 Jahren jeweils 7 %).

• Abschreibung auch bei Eigennutzung: Bei selbst genutzten denkmalgeschützten Gebäuden können Sanierungskosten über 10 Jahre mit jeweils 9 % abgeschrieben werden.

• Funding programs: Zuschüsse und zinsgünstige Darlehen vom Denkmalamt.

Mieteinnahmen gelten als Einkünfte aus Vermietung und Verpachtung, und alle Kosten wie Zinsen, Instandhaltung und Verwaltung können als Werbungskosten abgesetzt werden.

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Save taxes with real estate: Tipps zur Steuererklärung

Um Ihre Steuerlast mit Immobilien effektiv zu senken, sollten Sie in Ihrer Steuererklärung folgende Punkte beachten:

• Nutzen Sie konsequent Abschreibungen auf Anschaffungs- and manufacturing costs.

• Put all advertising costs such as financing costs, Maintenance and administrative costs.

• Take into account ancillary costs and travel costs in connection with the property.

• Keep up to date with current funding programs and tax changes.

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Conclusion

Real estate is an excellent investment, which not only through increasing value, but also convinced by a variety of tax advantages. Ab 2025 apply new, partly stricter regulations, Nevertheless, with professional advice and timely planning, you can significantly reduce your tax burden.

Use the depreciation, Advertising costs and funding optimally - this is how you increase your return and secure your investment in the long term.

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If you want support in the financing or tax optimization of your property, I will be happy to assist you with competent advice.