Become a Landlady/lord.

It’s government policy: Our Bundesregierung wants taxpayers to buy property, rent it out to tenants and enjoy passive income later.

This is for people who make more than they need for their daily living and know they pay too much tax.

I am Georg Holzach, a sales scout licenced by Swiss Life Select Berlin, to find them taxpayers who are curious about how to convert their income tax to passive income.

No strings attached for taxpayers curious to become applicants.

• TÜV and DEKRA approved
• Off-market flats
• Loan covering the full price
• Local property management partner for 20€/month

As property managers take care of tedious topics like:

• Tenants moving in and out
• Utility bills
• Occasional minor repairs

landlords in Berlin feel free to invest in boom towns like:

Cheap and hopeless in the past, those cities now offer growth potential:

• Thriving tech industries and universities attract qualified workers with good salaries who need flats.
• Property developers can hardly build them fast enough to meet this demand.
• Beautiful imperial villas and residential buildings under heritage protection are being refurbished to current standards. Investors write them off in 12 years.

With local property managers taking care of admin, tech and social matters, landlords may invest remote without worrying they ever need to show up on short notice for minor matters like:

“My neighbour’s goldfish is bubbling so loud that my Rottweiler can’t sleep.”

It’s pretty carefree.

Typical applicants have saved €10–15k to show that they can save money and pay initial cost:

• 2% notary fee
• 3.5–6.5% land transfer tax “Grunderwerbssteuer” (differing from state to state)
• No brokerage commission. Rather than charging brokerage fee to landlords, Swiss Life Select has agreements with banks and property developers.

Their finance department wants to see from applicants whatever reassures them that landlords will pay mortgages over the years:

Proof of identity

• Personalausweis
• Passport with Meldebestätigung

Proof of income

• Employment contract
• Pay slip
• Master service agreement (MSA)
• Past and current invoices
• Latest tax assessment

Proof of family liabilities

• Spouses
• Children
• Debts

The more reassuring the applicant’s income or capital outlook, the lower the interest rate they are granted. They sign a data protection declaration.

• Applicants share with us their plans and priorities in their work and family life.
• Then Swiss Life Select advisors calculate a loan matching their priorities and offer them some of their most suitable flats.
• Flats are rigorously examined by DEKRA or TÜV during and after construction or refurbishing.

Applicants may also, if they wish, use a range of additional financial services such as insurance, credit products, and investments. Some clients see us as their go-to place for money-matters and make us their one-stop-shop.

Our access to a comprehensive B2B insurance portal was a jaw dropping eye opener to me: I cancelled two of my good old Allianz insurances right away, calculating that I had paid about €20k too much during the past 30 years. I can have much better coverage for less money.

Investments turn out fair for landladies and landlords. Some of them continue buying flats throughout their lives. Paying 1/4 of a flat’s price means that they quadruple their invest over time.

We are only committed to our clients. Sounds cheesy. But the motive is clear: We make clients happy so they:

• give us excellent ratings online
• recommend us to their friends, family, colleagues and business partners
• save money by not spending it on ads

It’s a fair offer:

• Flats comply with latest standards saving energy and money
• A win-win moment for landlords, tenants, agents, society and the climate
• Flats will always be in demand
• Landlords never go out of business

Would you like to do what I do?

I am also a headhunter for young and old from all walks of life. We offer opportunities from quick start as a scout to long term education as a financial, insurance or real estate consultant, licenced by Industrie- und Handelskammer, Chamber of Commerce and Industry.

Cheers, Georg

+49 177 8181 900 | georg@holza.ch

Georg Holzach · LANDLORD · Swiss Life Select Berlin Scout