Flat for sale 3+1 • 91 m² without real estateSchafredder 15, , Schleswig-Holstein

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The Fockbek building ensemble – designed and built by an architect – consists of three nested terraced houses. The front building is to be sold, comprising two condominium apartments on the ground floor and the top floor (next to the pellet building). The ground floor apartment has been vacated by the tenant as of November 30, 2026, so that it can be occupied from December 1, 2026.

Financing

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The special feature: the financing structure. Since the ground floor apartment is free of any debt, the owner is offering the buyer a preferential loan. The advantages include an uncomplicated process, no bank negotiations, a fixed interest period of 5 years, the possibility of making extra repayments at any time, and quick decisions. The conditions for the preferential financing are as follows: 2.9% interest, 1.1% repayment, and a term (fixed interest period) of 5 years. After 5 years, our preferential financing would need to be replaced by a bank financing of your choice, unless the owner offers a follow-up financing option. The equity should amount to at least 10% of the purchase price plus ancillary purchase costs, whereby corresponding income levels must justify or supplement the minimum equity. A draft loan agreement and financing plan are attached as a PDF file to this commission-free offer. My request: Please read these documents carefully, as many questions are answered therein. Thank you in advance. I would like to draw your attention to two special cases.

Special Case No. 1: The financing offer becomes even more advantageous if an investor purchases both apartments. In this case, the interest rate is reduced from 2.9% to 1.9% while retaining the same fixed rate period of 5 years.

Special Case No. 2: This special case concerns self-employed investors. Based on our experience, this group often has difficulties providing proof of income if the business was only recently established. In such cases we may forgo the income verification, but the minimum equity would have to be increased to 25%. Should there be other possibilities, we would gratefully welcome your suggestions.

Both apartments in the front building are particularly well suited for multigenerational living, so we would like to offer this preferential financing option to that group as well. The above applies accordingly to these investors.

Pellet Heating

The entire property (5 condominium apartments) requires approximately 12 tonnes of pellets per year. The result: the heating costs are considerably lower than with a gas or oil heating system.

Garden Share

The good news: About 50 meters from the apartment you have a garden share as a special usage right according to the declaration of division (a communal garden shared with the owners of the top-floor apartments and the ground floor apartment of the front building). The bad news: The garden has not yet been landscaped and currently consists solely of a grassy area.

Garage and Pellet House

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The garage does not belong to an individual owner in separate ownership; rather, it is jointly owned by all four owners, as each has the right to store garden furniture and bicycles. The same applies in principle to the pellet house (located to the left of the front building). In my opinion, the relatively elaborately constructed garage and pellet house complete the picture of the Fockbek building ensemble very harmoniously. I would like to point out, as a selling point, the full rendering (veneer) of the entire property.

You will surely compare the price per square meter of the condominium with other properties in order to better weigh the pros and cons of the demanded price. This external comparison is, of course, sensible and desirable. But: When are the properties truly comparable? You are not only buying the condominium but also the pellet house and the garage (which are held in common ownership). Roughly, the pellet house and the garage account for a price of approximately €225.00 per square meter. The building was constructed in 2010 and, in my opinion, still appears almost like new. Thus, the price per square meter for the condominium alone amounts to €2,457.00.

Bathroom

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The bathroom is designed as a shower room. In 2021 we experienced water damage in the bathroom (don’t worry: it wasn’t a burst pipe, but rather leaking joints in the shower area). The shower area was re-tiled (with larger tiles and an upscale mosaic), but the rest of the bathroom was not, as there had been difficulties with the tiler.

Contact Details

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My suggestion and request: First, have a look at the Fockbek building ensemble. I have also posted extensive documents online so that you can compare, review, and weigh our commission-free offer against your specific purchasing expectations before arranging an interior viewing with me. If desired, I will prepare a financing plan based on your personal details. Should you have any further questions, please feel free to call me for more information. I thank you in advance for your discretion during the external viewing and I look forward to meeting you. Should the property not appeal to you – which we would very much regret – we wish you every success in your search for an apartment and thank you for your interest.

Tel: 04342/7100032

Mail: [email protected] / stb.wieser

Viewing Address:

24787 Fockbek, Schafredder 15