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Buying a house in Augsburg in Augsburg

Step by step to your own home in Augsburg – financing, notary, land register & insurance

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9 Schritte · ca. 6 Minuten0%

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Step 12–5 Min

Overview: How buying a house works

Buying a house in Augsburg follows clear steps: clarify financing → find & inspect property → notary appointment → land register entry → key handover. Plan at least 6–16 weeks from the purchase contract to handover.

💡 Weitere Tipps
  • 📋 Checklist: Financing → Viewing → Notary → Land register → Keys
  • ⏱️ Timeline: 6-16 weeks from notary appointment to key handover
  • 💡 Estate agent: Since 2020 buyer and seller share the commission (max 3.57% each incl. VAT)
  • 🔍 Always request a land register extract before buying
Find a notary in Augsburg

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Step 22–5 Min

Clarify financing

Clarify your financing before property hunting. In Augsburg property prices are approx. €3,500–5,500/m² for apartments (2025). A bank commitment makes you a serious buyer.

⚠️Without equity (at least 20%) mortgage loans are very expensive. Include additional purchase costs!
💰 0 € (Beratung)
💡 Weitere Tipps
  • Additional purchase costs Bavaria: land transfer tax 3.5% + notary approx. 1.5% + land register approx. 0.5% + possibly agent 3.57%
  • KfW subsidies: energy-efficient building or buying (kfw.de)
  • Rule of thumb: max 30-35% of net income for monthly payment
Check KfW subsidies

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Step 32–5 Min

Find & inspect property

Search for properties in Augsburg via portals or agents. Always have a surveyor check before buying – especially for older buildings in Augsburg's old town or renovation areas.

💡 Weitere Tipps
  • Property portals: immobilienscout24.de, immonet.de, immowelt.de
  • Request land register extract at Amtsgericht Augsburg (Am Alten Einlaß 1)
  • Note: Many historic buildings in Augsburg are listed – renovations heavily restricted
ImmoScout24 – Augsburg

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Step 45–10 Min

Notary appointment & purchase contract

🚨
Without notary the property purchase in Germany is legally void!

In Germany every property purchase must be notarially certified. The notary reviews the contract, informs both parties and ensures legally sound processing. Without notary the purchase is void!

📄 Required Documents

Complete all required documents first

🏛️ Lokale Behördeninfo
Amtsgericht Augsburg (land register): Am Alten Einlaß 1, 86150 Augsburg | Tel. 0821 3105-0
💡 Weitere Tipps
  • Find notary: notar.de/notarsuche → search for Augsburg
  • Request draft contract approx. 2 weeks before appointment
Find notary Augsburg

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Step 52–5 Min

Land transfer tax & land register entry

After the notary appointment the notary sends the clearance certificate to the tax office once land transfer tax is paid. Bavaria has the lowest land transfer tax at 3.5%. Then the land register entry is made.

Within 4 weeks of purchase contract💰 3,5% des Kaufpreises (Bayern)
🏛️ Lokale Behördeninfo
Finanzamt Augsburg-Stadt: Prinzregentenplatz 2, 86150 Augsburg | Tel. 0821 506-01
💡 Weitere Tipps
  • Land transfer tax Bavaria: 3.5% = lowest in Germany
  • Land register entry: approx. 4-8 weeks after purchase contract
Finanzamt Augsburg-Stadt

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Step 62–5 Min

Change registration & insurance

After moving in you must re-register at Bürgerbüro Augsburg within 14 days. As a homeowner you also need building insurance (mandatory for financing).

14 days after moving in💰 0 € (Ummeldung)
🏛️ Lokale Behördeninfo
Bürgerbüro Augsburg: An der Blauen Kappe 18, 86152 Augsburg | Tel. 0821 324-9999
💡 Weitere Tipps
  • Appointment required: augsburg.de
  • Building insurance: required by bank for financing
Book appointment – Bürgerbüro Augsburg

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Step 72–5 Min

🔍 Inspect the house before buying

Before buying, have the property inspected by an independent building expert. They identify hidden defects (damp walls, mould, roof damage, outdated electrics) and assess the actual condition. An inspection costs approx. €500–1,500 but can protect you from an expensive mistake.

💡 Weitere Tipps
  • 🔍 Multiple viewings at different times
  • 🏚️ Check: mould, damp, wall cracks, old roof, oil heating
  • 📋 Document defects and negotiate
  • ⚡ Check electrics & heating
  • 🏡 Request energy certificate – mandatory for sale
🔍 Find building expert

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Step 8Optional – but financially very worthwhile2–5 Min

☀️ Solar & energy efficiency

As a homeowner in Augsburg you can save on electricity costs long-term with a solar system and even earn money. The feed-in tariff is currently approx. 8 cents/kWh. A typical system (10 kWp) costs approx. €15,000–20,000 and pays for itself after 8–12 years.

💰 ca. 15.000–20.000 € (amortisiert sich in 8–12 Jahren)
💡 Weitere Tipps
  • ☀️ KfW funding: Low-interest loans for solar via KfW Bank (Programme 270)
  • 💰 Feed-in tariff 2025: ~8.03 cents/kWh for systems up to 10 kWp (guaranteed 20 years)
  • 🔋 Battery storage pays off: Increases self-consumption to up to 80%
  • 📋 Balcony power plant: From 600W, from ~€500, plug-and-play
  • 🏠 Note: Listed buildings and some planning laws may restrict solar – check first!
Step 92–5 Min

✅ After buying – next steps

Congratulations on your new home! Now you need to do a few things: re-register your address in Augsburg, register electricity, gas & internet for the new address, update insurance and change your address with all authorities and service providers.

💡 Weitere Tipps
  • 📍 Re-register address within 14 days
  • 🔌 Register electricity, gas & internet
  • 📮 Set up mail forwarding
  • 🏦 Update bank accounts & standing orders
  • 🔑 Change all locks – you don't know who else has keys
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Frequently Asked Questions

How long do I have time?
Siehe Details in den einzelnen Schritten
What does it cost?
0 € (Beratung), ca. 1,0–1,5% des Kaufpreises, 3,5% des Kaufpreises (Bayern), 0 € (Ummeldung), ca. 15.000–20.000 € (amortisiert sich in 8–12 Jahren)
What happens if I miss the deadline?
Mögliche Bußgelder oder Verzögerungen