Press & News
News from the world of finance
Neo Capital regularly publishes guide articles on investment, real estate, financing, taxes and retirement planning. Here you will find all articles — newest first. The guides refer to German law and the German tax system.
Immobilienmarkt Berlin 2026: Preise, Mieten und Marktphase im Datencheck
Neo Capital ordnet die Daten von Gutachterausschuss, vdp, VALUE, CBRE/Berlin Hyp, Guthmann und GREIX ein: Kaufpreise seitwärts, Umsätze rückläufig, Mietmarkt extrem knapp – eine Konsolidierung auf hohem Niveau.
Read more …
Berliner Bezirke im Vergleich: Kaufpreise, Mieten und Mietrendite 2026
Alle zwölf Berliner Bezirke im Datenvergleich: Angebots- und Transaktionspreise, Mieten, rechnerische Bruttomietrendite, Neubau-Aufschlag und Bevölkerungsprognose 2040 – mit offengelegter Methodik und Quellen.
Read more …
Immobilienmarktdaten richtig lesen: Angebotspreise, Kaufpreise und Indizes im Vergleich
Warum der Berliner Wohnungsmarkt je nach Quelle 5.180, 5.511 oder 5.620 €/m² „kostet“: Neo Capital erklärt Angebotsdaten, Transaktionsdaten, Preisindizes und Mietspiegel – mit Prüf-Checkliste und Tipps für die Kaufverhandlung.
Read more …
EH40 QNG Neubau Berlin als Kapitalanlage: Steuervorteile, Förderung und worauf es ankommt
Wie degressive AfA und Sonder-AfA nach § 7b zusammenwirken, was der KfW-Kredit 298 bietet und welche Fristen, Voraussetzungen und Risiken Kapitalanleger beim EH40 QNG Neubau in Berlin kennen sollten – mit fiktivem Rechenbeispiel.
Read more …
Degressive AfA und Sonder-AfA kombinieren: Rechenbeispiel für Berlin
Neo Capital rechnet an einer fiktiven Berliner Neubauwohnung vor, wie degressive AfA und Sonder-AfA nach § 7b zusammenwirken – und welche Bedingungen Anleger zehn Jahre lang einhalten müssen.
Read more …
Sonder-AfA 7b: Voraussetzungen und die 7 teuersten Fehler
Neo Capital fasst alle Voraussetzungen der Sonder-AfA nach § 7b EStG als Checkliste zusammen und zeigt, an welchen Stellen Kapitalanleger den Steuervorteil beim Neubau verlieren können.
Read more …
QNG Siegel erklärt: Was Kapitalanleger wissen müssen
Warum das Qualitätssiegel Nachhaltiges Gebäude bei Neubauwohnungen über Sonder-AfA und KfW-Kreditrahmen mitentscheidet – verständlich erklärt, mit Checkliste für den Kauf.
Read more …
KfW 298: Förderkredit für vermietete Neubauwohnungen
Wie Kapitalanleger den KfW-Kredit „Klimafreundlicher Neubau“ für vermietete Wohnungen nutzen können – mit Kreditrahmen, Voraussetzungen, Konditionen und typischen Fehlern.
Read more …
Mietpreisbremse Neubau Berlin: Was die Ausnahme für Kapitalanleger bedeutet
Warum § 556f BGB Neubauwohnungen von der Mietpreisbremse ausnimmt, was das für die Anfangsmiete in Berlin bedeutet, welche Regeln für Mieterhöhungen trotzdem gelten und wie das Thema mit der Sonder-AfA nach § 7b zusammenhängt.
Read more …
Behavioural Finance Explained: Why Investors Often Act Against Their Own Interests
Behavioural finance explains why investors often act irrationally and achieve significantly poorer results despite market returns. Emotions, loss aversion, herding and a lack of discipline create the so-called behavioural gap – Neo Capital helps to reduce it in a targeted way and to invest for the long term, in a structured and scientifically sound manner.
Read more …
Building Wealth for Children: Invest Early and Benefit over the Long Term
Building wealth for children: the early, structured use of capital market investments harnesses compound interest and tax allowances to create stable assets over the long term. Neo Capital supports families in planning and implementing strategies specifically for children.
Read more …
Financial Planning for Entrepreneurs: How Structure, Tax and Wealth Strategy Work Together
Financial planning for entrepreneurs combines liquidity, taxes, wealth building and risk protection in a holistic strategy to secure entrepreneurial freedom and private security over the long term – Neo Capital supports the structured design and implementation.
Read more …
Deviating from the Rent Index with Furnished Letting: A Lever for Returns amid Growing Regulatory Uncertainty
Find out about deviations from the local rent index for furnished flats: how furniture surcharges and comparative rents apply, when exceeding the index is permitted and how to calculate with legal certainty. Practical advice for landlords and investors.
Read more …
Tax Treatment of Photovoltaic Direct Investments: Securing Returns, Optimising the Tax Burden
Photovoltaic direct investment with tax effects at Neo Capital: benefit from predictable feed-in tariffs, tax-relevant depreciation and optimised profit calculation – for stable returns, a lower tax burden and long-term wealth building.
Read more …
Avoiding Real Estate Transfer Tax on Succession: Transferring Assets Tax-Neutrally, Avoiding Risks
Financing for your property with Neo Capital: we compare more than 400 banks, advise independently and arrange favourable terms. Transparent, personal and tailored precisely to your goals, so that you obtain optimal interest rates and stable long-term returns.
Read more …
Remaining Useful Life Report for Higher Depreciation: Securing Tax Advantages through a Realistic Assessment of a Building's Lifespan
Innovative and independent financial advice at Neo Capital: we combine scientifically sound expertise with tax-optimised wealth building – whether investments, real estate or retirement planning. Transparent, digital, long-term and tailored to your individual goals.
Read more …
CO2 Levy and the Landlord's Share in 2025: Understanding Costs, Protecting Returns, Using Strategies
Financial advice from Neo Capital for landlords and investors: we show how you can strategically manage the rising CO₂ levy from 2025, protect your returns and efficiently combine renovation measures with tax and subsidy options – for future-proof property portfolios.
Read more …
New-Build Prices per Square Metre in Berlin 2025
In Berlin’s undervalued property market in 2025, prices per square metre vary widely between central and outer districts. Berlin benefits from growing demand, limited new construction and strong population growth, while the market remains open despite debates about regulation.
Read more …
Renovation Strategy and Subsidies for Landlords: Renovate Economically, Benefit from Tax Advantages
Neo Capital shows how, in 2025, landlords can cut costs through energy-efficient renovation, make use of subsidies and tax benefits, and modernise properties to increase their value over the long term. With smart planning, they secure efficiency, value retention and competitiveness.
Read more …
Photovoltaics as an Investment: Opportunities and Risks in 2025
This article analyses the opportunities and risks of photovoltaics as an investment in 2025, taking into account current legislation, technical requirements and market conditions. It highlights the importance of storage solutions, legal safeguards and careful project due diligence for secure returns.
Read more …
ETS-2 and Property Investment: Tax Optimisation and Protecting Returns through Forward-Looking Structuring
Neo Capital’s ETS-2 article explains the new CO₂ emissions trading obligation for private properties from 2027. It outlines the opportunities and risks for investors and highlights the importance of energy efficiency and tax optimisation in securing returns and preserving value.
Read more …
5 Common Mistakes When Buying Property and How to Avoid Them in 2025
Neo Capital explains common mistakes when buying property in 2025 and shows how buyers can make secure long-term property investments through smart financing, energy efficiency, return analysis and location assessment. Including an FAQ on usufruct (Nießbrauch).
Read more …
Key Interest Rate Trends and Their Impact on Property Investment
Find out how key interest rate developments from 2023 to 2025 affect the German property market. Neo Capital presents strategies for sustainable, tax-optimised property investments in the current interest rate environment, with a focus on subsidies and long-term planning.
Read more …
Property Price Trends 2025: Focus on Residential Real Estate
The residential property market in 2025 is highly fragmented: major cities are growing, while shrinking regions are struggling. For investors, sustainable locations and energy efficiency matter more than quick returns. Neo Capital offers well-founded analyses and smart strategies.
Read more …
Avoiding Premature Real Estate Transfer Tax – Structuring Options for Communities of Heirs
Transferring property within communities of heirs involves financial pitfalls. With clever planning, premature real estate transfer tax can be avoided – through transfers during one’s lifetime, clear arrangements or the founding of a family company.
Read more …
Building a Property Portfolio Strategically: Substance, Diversification and Tax Efficiency
Building a property portfolio strategically combines substance, diversification and tax efficiency. Neo Capital offers tailor-made concepts, exclusive market access and optimal tax strategies for sustainable wealth building and risk diversification.
Read more …
Usufruct (Nießbrauch) in Property Transfers – Focus on Tax Optimisation and Legal Structuring
With usufruct (Nießbrauch), you transfer a property during your lifetime but retain its use and income. This noticeably reduces the taxable value of the gift and – if structured wisely – saves gift and inheritance tax. Early planning and advice are crucial.
Read more …
Market Value vs. Tax Value of Inherited Property: Differences, Consequences and Structuring Approaches
When property is inherited, the valuation methods often put its tax value well below its market value. This makes it possible to use allowances and deductions in a targeted way to reduce inheritance tax. Early planning and advice help to pass on assets efficiently.
Read more …
Investment Deduction (IAB) for Photovoltaics
Use your severance payment wisely: with the investment deduction (Investitionsabzugsbetrag, IAB) and targeted investments, for example in photovoltaic systems, you can significantly reduce your tax burden. Our innovative financial advisory firm helps you integrate your severance payment into your private assets strategically and almost tax-free.
Read more …
Receiving Severance Pay Tax-Free: Your Options as an Employee
Use your severance payment wisely: with targeted investments and the investment deduction (IAB), you can significantly reduce your tax burden and receive your severance payment almost tax-free. Find out how photovoltaic systems can help and how to integrate your severance payment strategically into your assets – for greater financial freedom and sustainability.
Read more …
Solar Direct Investment: Save Tax and Benefit Sustainably
Invest directly in high-quality photovoltaic systems, secure inflation-protected income and benefit from considerable tax advantages. Turn your tax burden into sustainable wealth and contribute to the energy transition – with a solar direct investment.
Read more …
The one-fifth rule for severance pay: how income from severance payments can be taxed
The one-fifth rule (Fünftelregelung) helps to reduce the tax burden on severance payments by treating the payment, for tax purposes, as spread over five years. This avoids high one-off taxation and often saves thousands of euros. Find out how to tax your severance payment optimally and benefit.
Read more …
IAB and photovoltaics: how to invest your severance pay optimally
Seize the opportunity for substantial tax savings: with the investment deduction (IAB), you can secure a tax advantage of up to 50% when investing in photovoltaics. This reduces your tax burden and builds sustainable wealth – find out how it works!
Read more …
The Inheritance Process – What Heirs and Testators Need to Know
Would you like to determine the current value of your house? A professional valuation report gives you clarity about the realistic market value of your property and the benefit of an objective, well-founded assessment. This helps you avoid financial losses when selling or inheriting and strengthens your negotiating position.
Read more …
Arranging Your Inheritance During Your Lifetime – Tax Structuring for an Optimal Transfer of Wealth
Who inherits what? Clear statutory rules apply to inheritances, but individual wishes can be implemented through a will or an inheritance contract. Compulsory portions protect close relatives, while lifetime gifts and smart estate planning combine family values with tax advantages. This is how you arrange your estate according to your wishes.
Read more …
Valuation Report for an Inherited House – Costs, Procedure and Tax Significance
An inheritance confronts heirs with complex legal and tax questions: who receives the assets? Which deadlines and obligations must be observed? Estate planning and targeted strategies prevent disputes, protect assets and optimise the tax burden. Our experts support you at every step – for a secure, efficient transfer of wealth.
Read more …
When the Gift Notification Requirement Does Not Apply – Current Rules and Future Developments
The statutory obligation to report gifts does not apply if they have been notarised or certified by a court. Otherwise, donor and recipient are obliged to report gifts to the tax office within three months so that tax matters can be clarified. Find out when and how the reporting obligation applies and which exceptions exist.
Read more …
Tax-Free Gifts – How to Transfer Your Wealth in a Tax-Optimised Way
Saving tax on gifts: make use of attractive allowances in 2025 – up to 500,000 euros for spouses and 400,000 euros for children. Thanks to the 10-year rule, assets can be transferred almost tax-free. Our tips help you plan gifts wisely and make the most of the tax advantages.
Read more …
Gifts to Children – How to Transfer Wealth Tax-Efficiently
Make use of the scope for tax planning: parents can give each child up to €400,000 tax-free every ten years. With the right strategy, you transfer wealth early and minimise the tax burden – Neo Capital shows you how to use allowances optimally and protect your family’s wealth.
Read more …
Paid-Off Property as a Private Investment – How to Secure Your Financial Future
A paid-off property as a private investment offers attractive advantages: monthly rental income, appreciation in value and tax benefits make your property a stable foundation for building wealth. Find out how to make the best use of your investment for your financial future.
Read more …
Building Wealth with Real Estate – Opportunities, Strategies and the Current Framework
Build sustainable wealth with real estate: benefit from stable rental income, appreciation in value and tax advantages. Whether as an investment or for retirement planning – property offers security, protection against inflation and attractive return opportunities. Find out more now and lay the foundation for your financial future!
Read more …
Tax Strategies for Property Investors: How Investors Benefit When Buying Property
Discover smart tax strategies for property investors! Find out how targeted investments and current changes in the law can lower your tax burden and build your property wealth sustainably. Get practical tips for higher returns and benefit from our expertise in tax-optimised investments.
Read more …
The Perfect Retirement Portfolio: Ideal Structuring for Financial Security
Secure financial freedom in retirement: with the perfect retirement portfolio, you rely on individual strategies, genuine independence and maximum return opportunities – tax-optimised and flexible. Benefit from personal advice, innovative portfolio design and tailor-made solutions for your future.
Read more …
How to Grow and Protect Your Wealth with a Property Pension
Turn your property into a secure source of income: with an equity release pension (Immobilienrente), you remain flexible, receive additional monthly income and can continue to live in your home. Enjoy financial freedom in old age and raise your standard of living without giving up your familiar surroundings.
Read more …
Saving Tax with Property: How Owners Optimise Their Tax Burden
With targeted property investments, you can significantly reduce your tax burden while building sustainable wealth. Benefit from tax depreciation, the deduction of modernisation costs and smart tax optimisation strategies. Find out how to save tax with your property and grow your capital efficiently – learn more now!
Read more …
How Special Depreciation (Sonder-AfA) Affects New-Build Rental Flats
Benefit from attractive tax advantages when building new rental flats: with the special depreciation allowance, for building applications submitted by 30/09/2029 you can claim an additional 5% of construction costs per year over four years – provided the Efficiency House 40/QNG standard and clear cost caps are met. This increases your returns and lets you invest in housing in a future-proof way.
Read more …
How to Build Wealth Successfully with Real Estate
Create long-term value with real estate: benefit from stable rental income, attractive tax advantages and potential for appreciation. Neo Capital supports you with expert knowledge and individual advice to grow your wealth in a targeted way and secure financial independence – for your future and your retirement.
Read more …
Investing in New-Build Projects in Berlin: Opportunities for High-Earning Employees
Discover Berlin’s diverse new-build projects: modern flats are being created here for singles, couples, families and senior citizens – often built sustainably, partly subsidised and with attractive green and communal spaces. Find your new home in the dynamic capital now and benefit from innovative housing!
Read more …
New-Build Flat as an Investment: The Benefits for Owners Who Let
Benefit from a new-build flat as an investment: modern fittings, high energy efficiency and low maintenance costs secure attractive rental yields. Thanks to tax advantages and declining-balance depreciation, you invest in your financial future for the long term – with potential for appreciation and stable income.
Read more …
Retirement Planning with Real Estate
Secure your financial future: with targeted property investments, you create solid retirement provision, benefit from rental income and tax advantages, and maintain your standard of living in retirement. Neo Capital supports you with tailor-made advice and an individual strategy on the path to greater security in old age.
Read more …
Letting a Freehold Flat: Becoming a Landlord with a Rented-Out Property
Would you like to let your owner-occupied flat successfully? Whether as a sustainable investment or for retirement planning – we show you how the right strategy combines ongoing income, tax advantages and high demand. Discover our professional tips on tenant selection, returns and legal issues now!
Read more …
Saving Tax with New Builds: How Investors Reduce Their Costs through Tax Advantages
Take advantage of attractive tax benefits with a new build now! Innovative depreciation models such as the special depreciation for new rental housing and linear depreciation (AfA) allow high construction costs to be used specifically to reduce tax. This lowers your tax burden, increases your returns and creates valuable housing at the same time – we show you how.
Read more …
Special Depreciation under Section 7b EStG and Declining-Balance Depreciation (2024): The Changes Awaiting Investors
Benefit from tax advantages with special depreciation under Section 7 of the German Income Tax Act (EStG): invest in eligible assets in a targeted way and reduce your tax burden by up to 20% in the year of acquisition. Find out in our guide how to make the most of this opportunity and which requirements apply.
Read more …
Returns from a Care Home? The Sensible Alternative to Care Home Investments
Discover smart alternatives to conventional care home investments: benefit from sustainable returns, long-term security and flexible investment options. We show you innovative approaches to retirement planning – for your individual wealth strategy, with little effort and attractive tax advantages.
Read more …
Depreciation of Listed Buildings: The Risk for Investors
Interested in listed buildings? Find out how listed-building depreciation (Denkmal-AfA) not only lets you deduct renovation and acquisition costs for tax purposes, but can drastically reduce your tax burden over 12 years. Discover how exclusive tax advantages and expert advice make your investment particularly attractive.
Read more …
Top Retirement Planning Products: Find the Optimal Solution for Your Retirement
Protect yourself financially and actively shape your future: with modern retirement products such as funds, insurance policies or real estate, you benefit from state subsidies, tax advantages and flexible investment options. Neo Capital supports you independently in choosing what suits your individual needs.
Read more …
Retirement Planning Costs: Saving Money on Private Pension Insurance
Secure your financial future: find out which costs you should expect for retirement provision and how various factors – from acquisition and administration costs to fund costs – affect it. We show you how to optimise your expenses and what really matters for your retirement planning.
Read more …
Building Diversified Wealth
Rely on secure wealth building through diversification: with an intelligent mix of tangible assets, investments and sustainable strategies, you reduce risks and create long-term financial stability. Discover how to spread your wealth in a targeted way and position it optimally for every stage of life.
Read more …
Buying a Rented Flat as an Investment (2024)
A rented flat is ideal as an investment: you benefit from ongoing rental income, long-term wealth building and potential tax advantages. At the same time, you create lasting value for your future and can benefit from the property’s appreciation. Discover your options as an investor now.
Read more …
How Investors Can Finance Their Property Affordably (2024)
Make your dream of owning a home come true with tailor-made financing! Find out how to finance property wisely and affordably, which subsidies are available and how to benefit from low interest rates. Tips on structuring your loan optimally help you realise your new home without worry.
Read more …
The Biggest Mistakes Beginners Make When Investing in PV
Avoid costly pitfalls in PV investments! Find out why it is not just the price per kWp that counts, and how careful planning, choice of location and the correct calculation of long-term yields are decisive for your investment success. Read how to avoid typical mistakes and invest sensibly in photovoltaics.
Read more …
The Right Process for Financing Real Estate (2024)
Secure the optimal financing for your property with Neo Capital: we offer individual advice, tailored financing solutions and comprehensive support from initial planning to signing the contract. Benefit from our experience and realise your property dream flexibly and without worry.
Read more …
Depreciation with a remaining useful life report: more liquidity through a higher AfA rate
Use the full tax potential of your property: with a remaining useful life report (Restnutzungsdauergutachten), you shorten the depreciation period and benefit from significantly higher annual depreciation amounts. This not only lowers your tax burden but also increases your returns – individually and with legal certainty, year after year.
Read more …
Saving Tax with Real Estate: How Owners Save with Tangible Assets
Discover how to save tax effectively with targeted property investments: Neo Capital shows you how tax advantages such as depreciation, income-related expenses and smart financing models can reduce your tax burden sustainably. Benefit from data-driven strategies and personal advice for successful wealth building with tangible assets.
Read more …
PV direct investment: current developments in direct investment
Benefit from the boom in photovoltaic direct investments in 2025: thanks to attractive subsidies, statutory feed-in tariffs and tax advantages, you secure stable long-term returns and actively contribute to the energy transition. Seize the unique opportunities of the current framework to invest your capital sustainably and in a future-proof way.
Read more …
Depreciation of new-build property: how buying a flat becomes a tax advantage
From 2025, property investors benefit from improved depreciation options: linear depreciation for new builds rises to 3% per year, allowing acquisition costs to be claimed for tax purposes more quickly. In addition, declining-balance depreciation of up to 5% is being introduced, which makes new builds in particular more attractive and significantly reduces the tax burden. Take advantage of these tax benefits for your property investment!
Read more …
Financing a PV direct investment: how to succeed with financing and subsidies
Discover how to deploy your capital wisely with a PV direct investment and benefit from sustainable returns. Our financing concept enables attractive tax savings and maximum planning certainty – whether as a private individual or a company. Start your green future now with tailor-made advice and an individual solution!
Read more …
Private health insurance on the basis of high income: when switching pays off
The compulsory insurance threshold for private health insurance rises to 73,800 euros in 2025. High earners must exceed this new threshold to remain privately insured. Find out now how high income affects your private health insurance (PKV) premiums and how best to respond.
Read more …
The Right Time for Private Health Insurance as an Employee
Benefit from first-class services as an employee: private health insurance gives you individual tariffs, quick doctor’s appointments and a free choice of doctors and clinics – provided your salary exceeds the compulsory insurance threshold of €73,800 per year (2025). Discover more advantages now!
Read more …
Private health insurance for the self-employed
In private health insurance, self-employed people benefit from individually adjustable tariffs, first-class services and often lower premiums than with statutory health insurance. Protect your health and enjoy the advantages of being a private patient, such as faster appointments and premium refunds – for optimal cover and maximum freedom.
Read more …
Comprehensive protection: with a supplementary pension fund
The supplementary pension fund (Zusatzversorgungskasse) provides a secure occupational pension for public sector employees. In addition to the statutory pension, you benefit from disability and survivors’ pensions, annual pension increases and state subsidies – for a financially secure retirement and greater planning certainty.
Read more …
Equity pension 2023: long-term wealth building for retirement
The 2023 equity pension (Aktienrente) sets a new emphasis in German retirement provision: with capital stock of ten billion euros, part of the statutory pension is, for the first time, to be supported over the long term by equity returns. In this way, the federal government aims to secure the pension level and stabilise contributions – for a sustainable pension despite demographic challenges.
Read more …
Retirement Planning for Managing Directors: How to Secure Your Future
As a managing director, secure your retirement provision with Neo Capital: benefit from individual, tax-optimised strategies instead of standard solutions. Discover innovative options such as the equity pension and tailor-made models for your financial future. Make use of our expertise for maximum returns and tax savings.
Read more …No articles found. Please adjust the filter or search.