A contribution by Mona Stenzel, Sales Team Leader, wvm Group Cologne
In turbulent times, what remains is what counts
When markets fluctuate and security has become rare, there is a growing longing for something constant—for a place that provides stability when everything else is changing.
Home ownership is exactly that:
not a trend, but a decision for independence and peace of mind. It is the most solid foundation you can lay in a turbulent world—brick by brick, with the feeling that this is where you belong.
Right now, it is clear that ownership means self-determination. Those who buy create space for themselves that cannot be shaken by rent increases, evictions, or market cycles. Space that provides security – for themselves, for their families, for the future.
Ownership beats inflation – because living means life
Housing is not a luxury, but a basic need. While rents rise and ancillary costs follow inflation, property remains predictable. The monthly installment may seem higher at first, but it pays into your own future.
In cities such as Cologne and Berlin, where living space is scarce, property has proven itself over decades to be the most stable form of value. It freezes part of your living costs – and grows with you in the long term. Those who buy today are choosing security and quality of life.
Energy efficiency and the future – new construction is worthwhile
Modern new buildings are not only comfortable, but also future-proof. Those who invest today save twice in the long term:
• Up to 40% less energy consumption compared to unrenovated existing apartments
• Protection against rising CO₂ costs, which are expected to increase to €200 per ton by 2027
• Buildings eligible for subsidies according to the EH-40 standard, which combine sustainability and cost-effectiveness
An energy-efficient apartment is more than just a home—it is a contribution to the future: environmentally conscious, valuable, and inexpensive to maintain.
Politics rewards ownership
With the declining balance depreciation (AfA) applicable since 2024, 5% per year can be deducted for new buildings. In addition, the linear AfA of 3% ensures long-term planning security. For certain energy-efficient projects, there is an additional special depreciation of up to 5% in the first four years.
The message is clear: property is part of public services—not speculation, but responsibility.
Interest rates and stability
Interest rates are at 3.5–4% – historically normal and solidly financeable. At the same time, inflation remains above 2%, which means that money loses purchasing power when it is idle. Real estate, on the other hand, retains its value and grows over time.
Many banks now offer flexible models: long-term fixed interest rates, subsidized loans for energy-efficient buildings, or individual repayment options. Property is becoming accessible again – predictable and stable.
A home is a feeling – not just a possession
Ownership is more than a bank statement. It is the smile when you open your own door, the freedom to paint the walls your own color, to let rooms grow. It creates roots, neighborhoods, identity. In times when so much is fleeting, this feeling is priceless.
The wvm Group Cologne – responsibility that carries weight
• 40% market share in Cologne
• 911 apartments under construction
• 1,928 units in sales volume
• 31% equity ratio
These figures stand for substance and stability. The wvm Group builds with attitude, quality, and the ambition to shape the future. For people who are looking for more than just square meters: a real home.
Conclusion – the future lives here
Owning a home means taking responsibility – for your own life, for your family, for a city that is growing.
Because security cannot be rented – it can only be built.
The wvm Group stands for this attitude: quality, reliability, trust. The future begins where people are ready to shape it – brick by brick, home by home.
