Hire purchase
Rent-to-own – secure now, move in immediately
Rent-to-own is one of our biggest attractions. It's aimed at people who will be retiring in 2-3 years or are currently liquidating assets (e.g., car, apartment, small house) and still want to secure a unit today. Important: After paying the down payment, your unit will be built; you can move in immediately upon completion, while the remaining balance continues to be paid in convenient monthly installments. Rent-to-own is not just renting—it always requires a down payment.
Basic principle
Down payment today, remaining amount in installments.
Construction & Move-In: Construction of your apartment/house begins after a down payment. You can move in immediately after completion/acceptance – without having to wait for the final payment.
The hire purchase price includes the interest/installment surcharge (due to installment payments) and is higher than the outright purchase price.
There are no additional interest charges – the surcharge is already included in the hire purchase price.
Repayment of the remaining balance is possible at any time.
Conditions & Numbers
House (rent-to-own)
Regular purchase price: €49,900
Rent-to-own price (including interest/rate surcharge): €53,900
Down payment: €34,000 (≈ 68.1% of the regular purchase price)
Remaining amount after down payment: 19,900 €
Installment examples for the remaining amount of €19,900:
3 years (36 months): approx. €552.78 / month
5 years (60 months): approx. €331.67 / month
Apartment (rent-to-own)
Regular purchase price: €34,900
Rent-to-own price (including interest/rate surcharge): €37,900
Down payment: €23,000 (≈ 65.9% of the regular purchase price)
Remaining amount after down payment: 14,900 €
Installment examples for the remaining amount of €14,900:
3 years (36 months): approx. €413.89 / month
5 years (60 months): approx. €248.33 / month
In brief
Secure now, construction after down payment, move in immediately after completion.
High down payment → low remaining balance and moderate monthly installments.
Rent-to-own price (house €53,900, apartment €37,900) includes the interest/rate surcharge; no additional interest.
Early repayment of the remaining balance is possible at any time.