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German Residence Permit on Financial Independence
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Iulia Morozova
Commercial Overseas Real Estate Manager
Юлия Морозова

Руководитель направления коммерческой зарубежной недвижимости
monthly income from €5.000

documents for the existing assets €1m and more
Types of German residence permit
Residence Permit for Qualified Professionals
Residence Permit through Opening a Business in Germany
Blaue Karte EU in German. The ground is an employment contract with a salary of €56.800 per year.
It is provided for the duration of the employment contract (up to 4 years) with the possibility of extension / termination
For entrepreneurs: opening an active business in Germany with the creation of jobs, the protection of a business plan in the official German bodies.
Residence Permit on Financial Solvency
Other grounds for obtaining a German residence permit
Aufenthaltserlaubnis in German. For financially independent and wealthy individuals.
Education, marriage to a German citizen, humanitarian causes, etc.
Who is the German Residence Permit on Financial Solvency Programme suitable for?
For those who travel around Europe and need documents for visa free
For those who often visit friends or relatives in Germany
Staying any amount of time in the EU countries, freedom of travel even during a pandemic
For those who are going to move to Germany
Staying any amount of time in Germany, moving around Europe
Resident status, the ability to open an account in European banks
5 years
Extension of RP (PS) and obtaining a Permanent Residence Permit (PRP)
Renewal 6 weeks prior to expiry
Renewal 6 weeks prior to expiry
Applying for a PRP immediately for 5 years 3 months before the expiration
PS for 1 year
PS for 2 years
PS for 2 years
2 years
After 2 years with a PRP: the right to apply for German citizenship
Applying for German citizenship
After 2-years PRP
Residence Permit on Financial Independence: Basic terms

Immigration based on Financial Independence
Immigration when establishing or acquiring a business in Germany
1,000,000 € and more

5,000 € and more
Proof of personal property

Proof of personal property
or
From Residence Permit to Permanent Residence Permit and German Citizenship
Residence Permit (Permission to Stay, hereinafter, PS) is issued for 1 year
The PS is extended twice for 2 years directly in Germany
Permanent Residence Permit (PRP) can be granted after 5 years (immediately for 5 years)
After 2 years with PRP: the right to apply for German citizenship while retaining Russian citizenship
From Residence Permit to Permanent Residence Permit and German Citizenship. Main stages and terms
2 to 4 months
Registration of documents for a RP (PS)
Selection of conditions and strategy
Week 1
Document preparation and submission
4 to 8 weeks
Entry permit approval
3 to 4 weeks
Entrance and registration
3 to 4 weeks
PS card registration for a year
4 weeks
Features of the legal status
Permanent Residence Permit (PRP)
Provides a status that differs from German citizenship only by the lack of suffrage and visa regime with states outside the Schengen area, including the right to work without any restrictions.

Applies to all members of the Applicant's family in Germany (spouse and children under 18 years old)
Intermark Real Estate provides full personal support throughout the process of obtaining a German Residence Permit
How can real estate purchase in Germany speed up and make it easier to get a residence permit?
Advantages of the Programme for German Residence Permit on Financial Independence Applicants
1.000.000 €
Purchasing residential or commercial real estate enables speeding up and facilitating Residence Permit obtaining on Financial Solvency, as well as increasing the chances to obtain one.

It is easier and faster for the German bodies to confirm the value of the property located in their territory and the monthly income of a foreigner received in Germany (it would confirm his/her financial independence)
The exact purchase amount and the required level of income per month depends on the number of family members

The value of the property is not less than 1,000,000€ and the income is not less than 5,000€ monthly.
Residence permit for the entire family
Applies to the Applicant and his/her family members: spouse, children under 18 years old
No knowledge of the German language required
Applies to the Applicant and his/her family members: spouse, children under 18 years old
Freedom of movement in Schengen
Allows you to stay in Germany for an unlimited time and travel freely within the Schengen area
No residence requirements
There are no requirements for a minimum number of days of stay in the country.
Leasable area: 1 100 sq.m
Construction completion date: Q1 2022
A supermarket under construction in Hessen
Land area: 5500 sq.m
Rental income per year = 135.000 euros
The lessee is a well-known German supermarket chain with more than 4,000 stores in Germany and is part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 15 years up to 2037 with 2 extension options for each 5 years.
The lessee is a well-known German supermarket chain with more than 4,000 stores in Germany and is part of one of the largest food retail concerns in Germany founded over 100 years ago.
Rental income per year = 202,000 euros
Land area: 6000 sq.m
Leasable area: 1,500 sq.m.
2020 built
Price
5,2%
3.600.000 euros
Income
Find out how to get a residence permit if you purchase it
The lease agreement is rigid for 15 years up to 2037 with 2 extension options for each 5 years.
Commercial German
real estate offers
New supermarket with a chain lessee in Hessen
5,4%
Price
2.500.000 euros
Income
New supermarket in Saxony
Find out how to get a residence permit if you purchase it
Find out how to get a residence permit if you buy it
Last major renovation: 2017
Leasable area: 4,600 sq.m
Land area: 2,500 sq.m
Rental income per year – 418.200 euros
The lessee is a German network of clinics with about 30 years of experience. There are more than 10 medical centres throughout Germany in the network. The clinic has been in the building for 15 years.
The lease agreement has been signed up to 2036.
On the ground floor of a residential building
Delivery: Q4 2021
Leasable area: 1,600 sq.m
Rental income per year = 196,000 euros
The lessee is an international supermarket chain with over 10 thousand stores in over 40 countries. The chain was founded in the 1930s in Germany. The group's turnover was more than 90 billion euros in 2020.
The lease agreement is rigid for 15 years up to 2036 with 2 extension options for each 5 years
Medical Centre with lessee in Bavaria
Supermarket with a lessee in Baden-Württemberg
Price
Price
5,1%
4,9%
Income
Income
4,000,000 euros
8.200.000 euros
Find out how to get a residence permit if you purchase it
Delivery: Q4 2021
Leasable area: 900 sq.m
Rental income per year = 144,000 euros
The lease agreement is rigid for 10 years up to 2031 with 2 extension options for each 5 years
Full renovation in 2017.
Leasable area: 1,500 sq.m
Rental income per year = 128,800 euros
The lessee is a well-known German supermarket chain with more than 4,300 stores in Germany founded in the 1920s and is a part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 10 years up to 2031.
The lessee is a well-known German supermarket chain with more than 4,300 stores in Germany founded in the 1920s and is a part of one of the largest food retail concerns in Germany founded over 100 years ago.
Supermarket drogerie with lessee, Bavaria
Supermarket with a lessee in North Rhine-Westphalia
Price
Price
4,8 %
5.6 %
Income
Income
2.300.000 euros
3.000.000 euros
Find out how to get a residence permit if you purchase it
Micro-apartment package in Berlin, Prenzlauer Berg
Price
4,5 %
Q2 2023
Income
Delivery of the facility
1,500,000 euros
A complex under construction of 84 micro-apartments with an area of 21 to 88 sq.m. finished, 1 to 3 rooms. Furnishing option with several design options. Rooftop terraces, laundry, and underground parking, landscaped green area in the courtyard.

Location is one of the central districts of Prenzlauer Berg, the location within the district is suitable for young professionals and students, as there are many famous educational institutions and a business district with 10,000 jobs within walking distance. The nearest metro station is 2 minutes' walk.

The owner of the apartment can use the services of a professional MC.

The project has enough free apartments to buy for a package of 1.5 million euros.
Commercial German real estate offers
Find out how to get a residence permit if you purchase it
A supermarket under construction in Hessen
Construction completion date: Q1 2022
Leasable area: 1 100 sq.m
Land area: 5500 sq.m
Rental income per year = 135,000 euros
The lessee is a well-known German supermarket chain with more than 4,000 stores in Germany and is part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 15 years up to 2037 with 2 extension options for each 5 years.
New supermarket with a chain lessee in Hessen
5,4%
Price
2.500.000 €
Income
Узнайте как получить ВНЖ, если вы это купите
A supermarket under construction in Hessen
Construction completion date: Q1 2022
Leasable area: 1 100 sq.m
Land area: 5500 sq.m
Rental income per year = 135,000 euros
The lessee is a well-known German supermarket chain with more than 4,000 stores in Germany and is part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 15 years up to 2037 with 2 extension options for each 5 years.
New supermarket with a chain lessee in Hessen
5,4%
Price
2 500 000 €
Income
Built in 2020
Leasable area: 1,500 sq.m.
Land area: 6000 sq.m
Rental income per year = 202,000 euros
The lessee is a well-known German supermarket chain with more than 4,000 stores in Germany and is part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 15 years up to 2037 with 2 extension options for each 5 years.
5,2%
Income
Price
3.600.000 €
New supermarket in Saxony
The lease agreement has been signed up to 2036 year
The lessee is a German network of clinics with about 30 years of experience. There are more than 10 medical centres throughout Germany in the network. The clinic has been in the building for 15 years.
Rental income per year – 418.200 euros
Land area: 2,500 sq.m
Last major renovation: 2017
Leasable area: 4,600 sq.m
Medical Centre with lessee in Bavaria
Price
5,1%
Income
8.200.000 €
On the ground floor of a residential building
Delivery: Q4 2021
Leasable area: 1,600 sq.m
Rental income per year = 196,000 euros
The lessee is an international supermarket chain with over 10 thousand stores in over 40 countries. The chain was founded in the 1930s in Germany. The group's turnover was more than 90 billion euros in 2020.
The lease agreement is rigid for 15 years up to 2036 with 2 extension options for each 5 years
4,9%
Income
Price
4.000.000 €
Supermarket with a lessee in Baden-Württemberg
4,8 %
Доходность
Цена
3.000.000 €

Supermarket drogerie with lessee, Bavaria
Delivery: Q4 2021
Leasable area: 900 sq.m
Rental income per year = 144,000 euros
The lessee is a well-known German supermarket chain with more than 4,300 stores in Germany founded in the 1920s and is a part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 10 years up to 2031 with 2 extension options for each 5 years
Full renovation in 2017.
Leasable area: 1,500 sq.m
Rental income per year = 128,800 euros
The lessee is a well-known German supermarket chain with more than 4,300 stores in Germany founded in the 1920s and is a part of one of the largest food retail concerns in Germany founded over 100 years ago.
The lease agreement is rigid for 10 years up to 2031.
5.6 %
Income
Price
2.300.000 €
Supermarket with a lessee in North Rhine-Westphalia
Find out how to get a residence permit if you purchase it
Micro-apartment package in Berlin, Prenzlauer Berg
Price
4,5 %
Q2 2023
Income
Delivery of the facility
1.500.000 €
A complex under construction of 84 micro-apartments with an area of 21 to 88 sq.m. finished, 1 to 3 rooms. Furnishing option with several design options. Rooftop terraces, laundry, and underground parking, landscaped green area in the courtyard.

Location is one of the central districts of Prenzlauer Berg, the location within the district is suitable for young professionals and students, as there are many famous educational institutions and a business district with 10,000 jobs within walking distance. The nearest metro station is 2 minutes' walk.

The owner of the apartment can use the services of a professional MC.

The project has enough free apartments to buy for a package of 1.5 million euros.
Find out how to get a residence permit if you purchase it
Micro-apartment package in Berlin, Prenzlauer Berg
Price
4,5 %
Q2 2023
Income
Delivery of the facility
1.500.000 €
A complex under construction of 84 micro-apartments with an area of 21 to 88 sq.m. finished, 1 to 3 rooms. Furnishing option with several design options. Rooftop terraces, laundry, and underground parking, landscaped green area in the courtyard.

Location is one of the central districts of Prenzlauer Berg, the location within the district is suitable for young professionals and students, as there are many famous educational institutions and a business district with 10,000 jobs within walking distance. The nearest metro station is 2 minutes' walk.

The owner of the apartment can use the services of a professional MC.

The project has enough free apartments to buy for a package of 1.5 million euros.
Benefits
Passive investment
There is no need to manage on your own: there is a property management or a management company

New facilities have a 5-year construction guarantee from the developer
Rigid lease contracts with large corporations (without the right to terminate)
Favourable taxation in comparison with other EU countries. It can be mitigated to 0%
Mortgage lending favourable conditions for foreigners
Nearly all lease agreements are NN- or NNN-lease; almost all costs for the leasee
Remote purchase and sale transactions
Guaranteed income
Under a lease agreement for 15 to 20 years with indexation
4 to 8 weeks
1-2 weeks
3 weeks
Registration in the register
Deal process for large commercial real estate without your visit, without opening an account in person

LOI = Reservation and exclusivity

Letter of intent without commitment to purchase, the Parties have agreed, signing the reservation and/or exclusivity

Legal, additional checks of the facility, tax planning, company registration and account opening

Due Diligence check, structuring

Payment for the purchase, registration and entry into the land book (register), payment of taxes, state duties and commissions

Deal finalization

Ordering a Sale and Purchase Agreement at a notary, finalisation of the seller and buyer by the lawyers, notarized signing

Preparation and signing

German taxation

There is a Double Tax Avoidance Agreement (DTAA) between the Federal Republic of Germany and the Russian Federation

From the purchase price, transfer tax (acquisition), Grunderwerbsteuer

Tax on dividends on distribution (there are rate mitigation tools)
Rate for non-German residents
The final amount takes into account many parameters: type of facility, location, storage area, time of construction, etc.

Körperschaftsteuer. The rate is indicated for companies that only rent real estate

Erbschaftsteuer und Schenkungsteuer. The more deductions, the closer the relationship. The higher the rate, the higher the value of the property (Maximum rate up to 6 million euros = 19%)
There are rate mitigation tools

This section and the information below is not a tax consultation, it is for guidance only. Intermark is not a certified German tax advisor, does not provide tax advisory services and recommends consulting with a licensed German and / or Russian tax advisor for advice on DTAA between Germany and the Russian Federation

Capital gain tax, Kapitalertragsteuer
Rate for non-German residents. Confirmed repair costs reduce the tax base

When buying

When owning

When selling/inheriting

3.5 - 6.5%
North Rhine-Westphalia, Thuringia Brandenburg, Saarland, Schleswig-Holstein

15%
6.5%
Berlin, Hessen, Mecklenburg-Vorpommern

6%
Baden-Wurtemberg, Bremen, Saxony, Lower Saxony, Rhineland-Palatinate,

5%
Hamburg

4.5%
Bavaria, Saxony

3.5%
0.35% = base rate = land tax

7 to 30% = inheritance / gift tax

Intermark helps you structure your purchase to maximise your tax mitigation

15.825% = GMBH income tax

15% for the GmbH
1.5% for the holding
0% for individuals after 10 years

Promotions, discounts and unique offers

Buyer Brokerage Discount
In case of a deal within 2 months
Mortgage from a German bank
Instalment plan from a German developer

When purchasing a facility worth €1.5 million or more
Advance payment of 10 to 15% of the cost for facilities under construction, remaining balance is after commissioning and delivery acceptance of facilities
Are you interested in this destination and want to move on?
Request for information
Watching webinars
For particular facilities: investment reviews, photos, layouts, financial models, contracts

Personal advice
For particular products
Calculation of costs and net income
With our Destination Manager (zoom or in the office)
Taking into account the number of investors (it is possible to apply for family members, partners)
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ABOUT US
Intermark Real Estate was founded in 1993, at a time when the real estate market was just beginning to emerge. “We were at the beginning and helped create the premium-class real estate market for its early players: we advised developers, helped set up sales, launched the first market research and became a platform where you could always effectively buy, sell or rent an apartment, country-house or overseas property”.
Intermark Real Estate offers a wide range of services, including worldwide real estate purchase and sale, rent and investment, consulting, property management and citizenship by real estate investment.
Intermark has been on the market for over
30 yr
Offices worldwide:
700
70+
Countries of presence:
Company staff:
39к +
Our awards
2018-2023
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Why Intermark?

Experience of over
25 years
Intermark has been a leader in real estate for more than 25 years. Intermark has strong relationships with leading developers in Cyprus. The company constantly analyzes changes in the immigration legislation of the island
Trusted brand
More than 1000 international and Cypriot companies work with us. We have over 3,000 partners, introducers and subagents, including the largest Private Banking branches that recommend Intermark to their clients
Leading expert in the market
One of Intermarks’ top priorities is constant market monitoring, and Intermark invests heavily in fundamental research used by all market professionals around the world
Intermark has been a leader in real estate for more than 25 years. Intermark has strong relationships with leading developers in Cyprus. The company constantly analyzes changes in the immigration legislation of the island
Experience of over
25 years
Leading expert in the market
One of Intermarks’ top priorities is constant market monitoring, and Intermark invests heavily in fundamental research used by all market professionals around the world
Trusted brand
More than 1000 international and Cypriot companies work with us. We have over 3,000 partners, introducers and subagents, including the largest Private Banking branches that recommend Intermark to their clients
Result-oriented comprehensive services
Our team will answer any legal, financial and tax-related questions and give professional advice
Result-oriented comprehensive services
Our team will answer any legal, financial and tax-related questions and give professional advice
Well-known brand
The Intermark is a well known brand and our staff is the leading experts in the industry. We are often mentioned in mass media and social networks and have a high level of recognition
Well-known brand
The Intermark is a well known brand and our staff is the leading experts in the industry. We are often mentioned in mass media and social networks and have a high level of recognition
Return customers
99% of our customers will use our services again or recommend us to their friends (according to Intermarks’ 2020 customer survey)
Return customers
99% of our customers will use our services again or recommend us to their friends (according to Intermarks’ 2020 customer survey)
Intermark is a public company and its shares are listed on the London Stock Exchange.
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