ICONIQ Torstraße
Price
€609k – 935k
Size
45 – 61 m²
€ / m²
€12.9k – 15.9k
Rent / m²
€12.50
Rooms
1 – 2 Zi
Built
2025
Type
New Build
Sourced by Sven
28 of 90 units still available. Off-market access, different sizes and layouts.
Example Investment Analysis
One of the available apartments — 62 sqm, 249.000 €, at 108% financing.
Capital Needed
0 €
3.8% blended rate, 1.5% repayment
Tax Savings (10yr)
38.400 €
at 75.000 € income
Sample calculation based on 75.000 €/year at 108% financing. Inside Financemate, we personalise every number to your income, tax situation, and financing terms.
Equity Build-Up Over 10 Years
Your equity grows through principal repayment and property appreciation. Here are three scenarios.
1.5%/yr
€68k
equity at year 10
3.0%/yr
€114k
equity at year 10
4.5%/yr
€166k
equity at year 10
Equity = property value minus remaining loan balance. Based on 108% financing at 3.8% interest, 1.5% repayment. Capital gains tax-free after 10-year hold.
What If?
These are the questions people actually ask us. Any scenario you have in mind, we can run it — and show you an honest picture of what this property can mean for your finances.
What if I leave Germany in year 3?
Tax implications, remote management options, and whether it still makes sense to hold.
What if the rent is actually lower?
How a lower starting rent or slower growth affects your cashflow and long-term return.
What if the tenant doesn't pay?
Vacancy periods, legal timelines, and the real impact on your monthly position.
What if construction is delayed?
How a delayed handover affects your Bauzeitzinsen, rent start, and first-year cashflow.
What if the interest rate is higher at refinancing?
What your monthly cost looks like if rates are 1-2% higher when the fixed period ends.
What if I want to sell before 10 years?
Capital gains tax, transaction costs, and whether early exit still leaves you ahead.
The Financemate Perspective
We received this project from one of our real estate partners. Here is how we think about it.
Leipzig Südvorstadt continues to be one of the strongest rental markets in eastern Germany. The neighborhood combines a vibrant cultural scene with excellent transport links and proximity to the university, which drives consistent rental demand across demographics.
From a financial standpoint, the new-build status unlocks the enhanced 3% linear depreciation (post-2023 rules) and potential Sonder-AfA, which meaningfully reduces the effective cost of ownership in the first years. Combined with a purchase price well below comparable properties in western German cities, the entry point is attractive relative to rental yield.
That said, Leipzig's property market has seen significant price increases over the past decade, and future appreciation may be more moderate. The key risk factor is interest rate sensitivity. At current rates, the cashflow is tight, and a rate increase at refinancing would have a noticeable impact.
What makes this interesting
- Strong rental demand in a university neighborhood
- 3% new-build depreciation + potential Sonder-AfA
- Below-average price per sqm vs. western German cities
- Modern energy standards (A+) reduce long-term risk
- Underground parking included in purchase price
What to consider
- Cashflow is tight at high financing levels, sensitive to rate changes
- Leipzig appreciation may moderate after strong decade
- New-build premium vs. existing stock in the area
- Hausgeld may increase once initial developer warranty expires
Karim, Alex, Daniel, Augusto
The Financemate founding team
We think this could be worth a deeper look for...
Tech professionals
€65k – €90kWith a stable income and typically high marginal tax rates, the depreciation benefits can offset a significant portion of the monthly cost. How that fits your goals is for you to weigh.
Dual-income households
€100k – €140k combinedIf you and your partner are both earning, the combined tax advantage is even stronger with joint filing. The low entry capital in this scenario keeps your liquidity flexible for other goals.
First-time investors
€50k – €70kA manageable purchase price, new-build quality, and a strong rental market make this a more accessible entry point into German real estate, especially if you plan to hold for 10+ years.
Ready to Evaluate This Property?
Create a free account to run your own scenario analysis with your real income and tax situation. Explore financing options and take next steps if this property is a fit.
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These figures are illustrative projections based on general assumptions and the property details shown. They do not constitute financial, tax, or investment advice, and are not a promise of any specific return or financing outcome. Property selection and presentation are handled by our property partner, and financing is subject to the bank's assessment. Individual results depend on your personal circumstances. Consult a licensed tax advisor (Steuerberater) for advice specific to your situation.