Living with a harbor view - Rügen-Stralsund - 3.6% depreciation (allowing for use as a second home today, and potentially a retirement home later)?

📍 The Property & Premium Location
For sale is a ground-floor apartment with approximately 66 square meters of living space (84.59 square meters of usable living and utility space), featuring 3 rooms, a balcony, and a sunny south-facing terrace, located in the highly desirable first row of Altefähr (Rügen). You will enjoy unobstructed views of the modern marina and the historic skyline of the Hanseatic city of Stralsund. The fine sandy south beach is only 250 meters away. The historic building (built in 1890) was completely modernized in 2004/2023 & 2024 (including new interior finishes with Dornbracht and Villeroy & Boch, a built-in kitchen, and a future-proof hybrid heat pump). Energy class C (88.10 kWh).

📈 The Combined Use Concept: Today a second home, tomorrow a debt-free retirement
This property combines quality of life with mathematical logic and is perfectly suited for a holding period of 10 to 15 years, leading up to your planned retirement:
• Phase 1 (Until April 30, 2027): Full protection against vacancy due to an existing, time-limited rental agreement (€915 net cold rent per month). Second home tax is waived during this phase (€0). •Phase 2 (Starting May 2027): Use the apartment flexibly as a second home on the Baltic Sea, with the right to personal use, or switch to lucrative vacation rentals. •Phase 3 (Your Retirement): In old age, you can move into your own, barrier-free ground-floor apartment in the best waterfront location, rent-free, as a retiree. 🏛️ Significant Tax Advantages (Doubling of Depreciation)
Note: This is a non-binding example and does not constitute tax advice. Due to the modernization, a remaining useful life assessment (RND) will be prepared for a remaining useful life of 28 years [ImmoWertV]. With a fixed, low land share of only €18,480, a pure building depreciation base of €289,520 remains. This allows for a legal increase to 3.6% building depreciation per year (§ 7 Abs. 4 Satz 2 EStG) [EStG]. With a typical tax rate for families, this mechanism provides significant tax refunds and, together with the rental income from month 1, results in a calculated net surplus in your account! 💶 Financing Calculation (A-rated Banks)
By contributing 21% of the total investment amount (€70,064 including... To secure the absolute best rating from the bank, covering all purchase ancillary costs:
• Loan amount: €263,576 | Interest rate: 3.60% | Repayment: 2.00% (Monthly bank payment: €1,319.58)
• The debt-free accelerator: Take advantage of the contractual 5% special repayment option per year to reduce the loan to zero in record time (in 12 to 13 years) and be completely debt-free by the time you retire. 🛡️ Technical security: The heating contract.
The highly efficient Daikin hybrid cascade system (including a PV system and storage) is operated through an external system contract. For you as the owner, this means zero upfront costs and absolutely no repair risk. Maintenance and upkeep are the responsibility of the contractor. The property is offered at a special World Cup price of €299,500 plus €8,500 for a parking space, completely commission-free, directly from the owner! We have other offers for you in our portfolio! Request the complete calculation documents for your tax advisor now, or schedule an appointment for our exclusive online consultation!

✅ Premium Location & Accessibility: The "Hafenblick" residence is located in a prime spot, directly on the Altefähr marina on the island of Rügen. It combines the tranquility of an island vacation property with the direct mainland infrastructure of the UNESCO World Heritage site of Stralsund (easily accessible in minutes by car, bike, or ferry). ✅ Unique Tourist Attractions: Only 250 meters from Rügen's only true south-facing beach (maximizing sunshine hours). Unobstructed panoramic views of Stralsund's historic skyline. The immediate surrounding area is characterized by the prestigious "Hafenblick" residence. ✅ Target Audience Demographics: Due to its strategic location, the property offers a stable, year-round potential. The dynamic rental market caters to two strong customer segments: urban commuters to Stralsund, and a financially secure senior clientele seeking a retirement home. In addition, there is significant potential for exclusive vacation rentals along the Baltic Sea coast. ✅ Exceptional appreciation potential compared to the market.
While established resorts on the Baltic Sea, such as Binz, Sellin, Göhren, Zingst, and Warnemünde, already command square meter prices between €8,000 and €12,000, the Stralsund/Altefähr area offers exceptional value potential. This attractive price-to-performance ratio makes this location a sought-after alternative in a prime location. Altefähr, due to its unique position – offering direct views of the Stralsund skyline – is a high-value location with a stable property value of an average of €5,448 per square meter. In this prime location, extremely limited availability meets high demand for stable assets for your retirement planning. In top locations such as the harbor area of Stralsund and the seaside resort of Altefähr on Rügen, extremely limited availability meets high demand for stable assets.