An article by Mona Stenzel, Sales Team Leader, wvm Group, Cologne
In turbulent times, what endures is what counts
When markets fluctuate and certainty has become rare, the longing for something constant grows—for a place that provides stability when everything else is changing.
Homeownership is exactly that:
not a fad, but a choice for independence and peace of mind. It is the most solid foundation one can build in a turbulent world—brick by brick, with the feeling: This is where I belong.
Right now, it’s clear: Ownership means self-determination. When you buy, you create a space that no rent increase, no eviction notice, and no market cycle can shake. A space that provides security—for yourself, for your family, for the future.
Homeownership beats inflation—because housing means life
Housing is not a luxury, but a basic need. While rents rise and utility costs follow inflation, homeownership remains predictable. The monthly payment may seem higher at first, but it’s an investment in your own future.
In cities like Cologne and Berlin, where housing is scarce, homeownership has proven itself over decades as the most stable form of wealth. It locks in a portion of living expenses—and grows alongside them over the long term. Those who buy today are choosing security and quality of life.
Energy Efficiency and the Future—New Construction Is Worth It
Modern new construction is not only comfortable but also future-proof. Investing today offers double the savings in the long run:
• Up to 40% less energy consumption compared to unrenovated existing apartments
• Protection against rising CO₂ costs, which are expected to reach €200 per metric ton by 2027
• Buildings eligible for subsidies under the EH-40 standard, which combine sustainability and cost-effectiveness
An energy-efficient apartment is more than just a home—it’s a contribution to the future: environmentally conscious, retains its value, and is inexpensive to maintain.
Policy Rewards Homeownership
With the declining-balance depreciation (AfA) in effect since 2024, 5% per year can be deducted for new construction. In addition, the straight-line depreciation of 3% ensures long-term predictability. For certain energy-efficient projects, there is also up to a 5% special depreciation allowance in the first four years.
The message is clear: Homeownership is part of essential public services—not speculation, but responsibility.
Interest Rates and Stability
Interest rates range from 3.5% to 4%—historically normal and well within manageable limits. At the same time, inflation remains above 2%, which means money loses purchasing power when it sits idle. Real estate, on the other hand, retains its value and appreciates over time.
Many banks now offer flexible models: long-term fixed-rate periods, subsidized loans for energy-efficient buildings, or customized repayment options. Homeownership is becoming accessible again—predictable and stable.
A home is a feeling—not just a possession
Homeownership is more than a bank statement. It’s the smile you get when you open your own door, the freedom to paint the walls your own color, to let spaces grow. It creates roots, neighborhoods, and identity. In times when so much is fleeting, this feeling is priceless.
The wvm Group Cologne – Responsibility That Makes a Difference
• 40% market share in Cologne
• 911 apartments under construction
• 1,928 units in sales volume
• 31% equity ratio
These figures represent substance and stability. The wvm Group is committed to building—with integrity, quality, and a commitment to shaping the future. For people who are looking for more than just square meters: a real home.
Conclusion – The future is here
Owning a home means taking responsibility—for your own life, for your family, and for a city that is growing.
Because you can’t rent security—you can only build it.
The wvm Group embodies this philosophy: quality, reliability, and trust. The future begins where people are ready to shape it—brick by brick, home by home.
