Deutsche Teilkauf enables homeowners, particularly seniors, to unlock up to 50 % of their property’s market value as a lump‑sum payment while retaining full residential and rental rights through a registered usufruct. The company handles all appraisal, notary and transaction costs, charges a fixed annual usage fee starting at 4.99 % of the payout for ten years, and offers options to repurchase or later sell the remaining share, allowing owners to benefit from future property appreciation.
Funding
Funding not disclosed
Founders
Product
Problem
Homeowners, particularly seniors, often have significant equity tied up in their property but lack liquid assets for retirement needs, while still wishing to remain in their homes. Traditional financing options such as reverse mortgages or loans can be complex, costly, and may impose usage restrictions.
Solution
Deutsche Teilkauf offers an Immobilien‑Teilverkauf model that allows owners to sell up to 50 % of their property's market value in exchange for a lump‑sum payment while retaining full residential and usage rights. The company secures the transaction with a notarial deed and registers a lifelong usufruct right, ensuring the seller can continue to live in or rent out the home. In return, the seller pays an annual usage fee of at least 4.99 % of the received amount, fixed for ten years, providing a predictable cost structure. The remaining ownership share stays with the seller, allowing participation in any future appreciation of the property value. The model includes optional services such as full‑cost handling of appraisals, notary fees, and support for energy‑efficient renovations, all covered by Deutsche Teilkauf.
Target Audience
Primary customers are owners of residential properties, especially seniors aged 55 + with a home value of at least €200,000, who seek liquidity while remaining in their residence.
Features
- Sale of up to 50 % of the property value with a guaranteed minimum lump‑sum payout of €100,000
- Retention of full residential and rental rights through a registered usufruct (Nießbrauchrecht) in the land register
- Fixed annual usage fee (starting at 4.99 % of the payout) for a ten‑year term, providing cost transparency
- Full coverage of appraisal, notary, and transaction costs by Deutsche Teilkauf (except removal of existing encumbrances)
- Option to repurchase the sold share or sell the remaining portion later, with Deutsche Teilkauf handling the resale process without additional execution fees
- Participation in future property value appreciation for the retained ownership share
- Support for energy‑efficient renovations, with Deutsche Teilkauf co‑investing its property share in modernization measures