My Real Estate Portfolio in Europe 2023 - 10 Properties at 28 - Yields, Costs, Loans and More!

[@harryrobot851]

Hi! I’m excited to be here in your channel and I’m interested in learning more about investing and saving up for my retirement but am a little confused about the whole process. Any advice or tips to get me started up would be greatly appreciated.

[@FrankBrook-js9yh]

Most people either do not understand the power of compound interest, or are just impatient. For the average Joe, however. I think it is just best to invest in the S&P 500, and just wait, which is reliable, albeit extremely long-lots of years. Or just use a professional analyst and speed up wealth creation. Most people underestimate the power of the latter

[@Adams52523]

You're absolutely right about the power of compound interest and the long-term potential of investing in index funds like the S&P 500. For many, passive investing in broadly diversified funds can be a reliable strategy over time.

[@ChristopherHandley-ek4ul]

Employing a professional financial analyst or advisor can certainly add value by offering tailored advice, portfolio diversification, risk management, and timely insights. Their expertise can potentially speed up wealth creation and navigate market complexities, but it's important to choose someone reputable and consider their fees, as they can impact your overall returns.

[@ScottBruceman]

Gold and copper remains the best investment to venture in, especially as a beginner, it’s not always affected by the downturn of the market

[@SamuelIlari]

The discussions and proposals surrounding BRICS nations' potential use of gold are intriguing. People choose to buy gold for various reasons, such as its historical role as a store of value and medium of exchange, its potential as a hedge against inflation or currency devaluation, and its relative scarcity compared to other commodities. Gold also offers diversification benefits to investment portfolios due to its low correlation with stocks and bonds.

[@antoniorios1240]

It be great if you can make a video about property purchasing in DE. Thank you!

[@belarus2302]

Support!

[@vilijamdodevski4479]

Yes, absolutely do a video on property researching! Thank you

[@decaded13]

A video on your process of finding & buying properties in Romania would be great :)

[@mayurlohana]

I started watching your videos recently. I must say they are informative about business, investing and other stuff related to it. Appreciate it.

[@belarus2302]

Keep posting videos, you are inspiring the people like me, who just selling their lifes to Arbeitgeber, remaining in the end with nothing. Thank you, hope with your help we can set us free and change the life towards the way, we want it. 👏🤟

[@talalkhogali3699]

Hello i live in Romania and i believe the rents that you are mentioning are higher than market prices so can you please explain how come you have thoese numbers?

[@mdvaleev]

It will be great if you show where you watch property in Romania? Web pages, locations?

[@renatosureal]

**How did you RAISE the MONEY to make all PURCHASES ???*** This is THE MOST IMPORTANT question that has NOT been discussed in the video.

[@alexmerserr8894]

Scammed a bunch of people probably

[@maniktkb786]

He was ruining BIG community which help students to move to Germany get money from them and commissions from insurance and banks

[@cenk82]

Just do business with Indian students. That's all. And married with a German woman.

[@LetMeBorrowUrTime]

This is not realistic. Within 10 years of reaching Germany, he earned this much ? Even if his yearly income is 70,000 after his studies... He will need 22 years to buy all the real estate as per his excel sheet. So I can also say that I bought 35 properties in munich and list in excel and make a KZbin video on it.

[@glbong42]

In Germany, most of the people who rent out their property is not doing it just for the yield. The biggest advantage is the amount of tax write-offs you can do. For example, you can write-off the interest from the loan, the 2% building degration value, and other costs.

[@Umar-zz6jd]

Very informative video and yes plz make more videos about property investment and management of property.

[@tages_matuna]

This is a good video! 👍

[@ovidiubranga3847]

The yields are pretty low imho, as a romanian. And that is not because you are doing something wrong but rather that is the market. Why would you be satisfied with rougly a 6-7% return that requires active management when you can just park your money in an index fund which yields 9-10% on average and has lower taxes in Romania? Also, I noticed there is no mention of mortgage payments in your excel. Is that because you bought them cash? Because if you add a mortage payment based on 75-80% of the value given that interest rates have pretty much always been above 5% and now are 9% you would be almost negative cashflow.

[@brandevise]

Hi Ovidiu, The properties I bought with cash. Not mortgage. I can understand 9-10% returns, but I already have 400k in stocks and wanted to get something “physical”. I inquired about the mortgage at Libra bank and they gave me rates of around 12% - which would of course make no sense whatsoever.

[@thewildmustangisfast]

This video is for people who don’t know the Real Estate market from Romania and Germany. Not sure if he is a genuine investor or someone who made a video based on Google search.

[@Kris_P_Bakon]

The difference between the yields is significant. Have you considered the different tax benefits that come with investing in real estate in Germany?

[@brandevise]

Almost most of them or even more are also applicable in Romania - but the paperwork is a lot lot more in Germany than Romania because in Romania almost everything else except the notary process is digital.

[@sumitschitoll]

Well explained video bharat , I believe it would be good idea if you have time to make videos about finding and buying properties in Romania, I have few properties in Berlin now looking into Poland and Romania

[@thewildmustangisfast]

Don’t invest in Romania, is not for you. Go to Poland, you have a better chance and will learn a few valuable lessons . I hope Romania will bring serious investors who will take time to learn about the culture and respect the hospitality of its people.Why don’t you invest in other European countries like Switzerland, Austria, Hungary, France, Italy, Germany, Belgium or perhaps the opulent Dubai?

[@aminzamani5267]

Thanks for the nice video, I appreciate it. Would be great if you could also make a video on how to find properties in DE and also Romania.

[@DJBILINGUAL]

Are your rental yields based off short term rentals? Are you including property management fees and are they included in expenses or do you self manage? Thanks so much!

[@puneetsatwani9362]

Can you make a Video on finding and buying properties in Romania!!

[@rohitgujral1933]

but why apartments ? In apartments you will get high yield but no land and life for apartments are much shorter

[@8687abc]

Hello Bharat !! I am really intrigued with your investment for Short/Long term rentals. How do you take care of repairs, maintenance, cleaning in your rental properties in Romania? Can you please make a separate video on this thing? Best of luck for KZbin journey !! 🤘🤘

[@dysc0]

Show us more about the apartments in Romania. How did you pick them, where are they located, how to they look

[@manifestdigitalagency]

Could you also include the sizes of the flats so we can have an idea about sqm prices? Thank you.

[@sunnyjadhav2899]

Hi Bharat. Thank you for sharing your experience... However, if the bank deposit rates in Romania are around 6-7% and your overall yield is also in the same rage..what is the benefit of investing in real estate. I can understand potential capital appreciation. However, in higher interest rate environments, there is also a risk of property markets crashing..eg. spain and also in other EU countries.

[@harmenindubai]

Nice video, and well done at such an early age. Can you please recommend a trusted lawyer and notary public for buying property in Bucharest ?

[@thewildmustangisfast]

Google it, there is a lot of information available.Romania is not a third world country and many law offices have English translation or employees who speak English, French, German, Italian, Spanish, Chinese , Arabic, Rusian.

[@SathishKumar-cf2yd]

Your videos and your understanding is superb. Can u make a video to invest in poland. It will be helpful to me..thank you❤

[@filippociabrelli6424]

I have recently purchased in Unirii area. May I ask you where are located your properties in Bucharest?

[@douglas5097]

How easy is to find real estate companies to manage your property? I mean, if I buy something to rent, but don't want to do anything, just hand over to someone to deal with tenants and charge me a commission.

[@tages_matuna]

What do you think about investing in properties in Bulgaria?

[@HusbandofKveekay]

Is Bulgaria , Sofia great to buy real estate?

[@yutube5167]

i am thinking to buy an apartment in budapest but i can also put this money in stock market -usa... i really get confused which way would be better investment

[@gorankragulj3618]

Where in Bucharest you rent a studio for 600 euros????

[@bananasfit7365]

wait but did you ask for the loan in germany to buy in romania? That is only possible if you already own a property in germany that is fully paid. There are free credits in germany but these are not so high and the interest is 7-10% now. And how do you manage all the properties? do you pay a intemediate company to take care of the airbnb renting and management?

[@Wali50D]

We appreciate the content and showing how much you earn and how do you diversify investments and your net worth. Would also appreciate how you find these deals in romania and what to look for.

[@thewildmustangisfast]

Romania’s business landscape is opposite to China’s or India’s. Romania is part of European Union and Schengen . Do your homework and search on the internet. Take your time and visit that country before you make an investment to understand the culture and see the surroundings. Read economic reports and legislation on the Government websites.

[@lorrainemasiyandima6476]

hi. can you please make a video on how to purchase a property in Germany and the steps that one has to follow. its really hard to understand the Terms in the German language, thank you.

[@thewildmustangisfast]

Yes I agree, i would like to see a video with that for comparison purpose.

[@lakshayasood2197]

please make detailed video on how do you find properties?

[@1boi593]

What kind of company do you have that you are able do even buy properties worth 1,4 million euro?

[@tamimmesbah]

Plz make a video about how to buy an apartment or a Haus and difference between diese two

[@aavezshaikh4069]

Can I buy an apartment in Romania while living on a blue card in Germany? If yes, I would be interested in 1-1 consultation.

[@youssefaloui3073]

We are very interested with this type of videos. Please continue ❤

[@harshagrawal9346]

the only thing that Im finding ridiculuous is the tax systems in Germany, whether I look to invest my time and effort in making money through side freelancing, and register the freelancing in India, or look to invest the money in mutual funds and make capital gains, Germany at the end of the day imposes heavy tax on the world wide income. Do you have any suggestion how to avoid this tax on the world wide income (the indian income in my case going in the nre and nro account)and generate wealth looking at a 5year time frame

[@ej_imperial]

Can I get the excel please

[@mechengineer8529]

What is the best source to find out market value of the property ? Deutschland to be specific ?

[@brandevise]

Coming up soon.

[@Carolinapetroska]

Why would you buy all your properties in Roumania and not Spain or Portugal or elsewhere? I don't get it.

[@freemantis1991]

how you manage them remotely ??????????? or who does it for you?????/

[@adityasahu05]

Can you share the excel you created? 🙏 Love your content ❤ 🇮🇳

[@rahularora2716]

why not take loan in Germany and then Invest in Romania . is it not allowed in EU ? but there is some personal loan which is allowed ofcourse not that much as it is in Home loan . Would be great to know your point of view. looking forward

[@DevouringAndWanderlusting]

Thank You Bharat for this amazing video.. Please let us know, why did u choose Romania, and y not other countries like Portugal or Spain? When I searched online I read that Portugal, Croatia, and Spain are some of the top countries to invest.. I would like to know the factors that made you invest in a property in Romania? Thank you again for making these types of videos, it's always been helpful. :)

[@brandevise]

Hi! The rental yields are not that great in the other countries. You can read more here: www.globalpropertyguide.com/Europe/property-investment-data Romania is a perfect combination of pro-landlord and low tax country.

[@beepoz]

First, thanks for the cool video. Regarding your comparison with Germany, what if you take the increase in value over time into account?

[@brandevise]

That’s a very good question! I’ll put that up next too.

[@shray5801]

Have you looked into other european countries? how did that go? i heard some things around spain that it was good.

[@phileze_]

Hi nice video. I have a question though. Since you live in Germany, do you have to pay tax on the money you receive from your Apartments in Romania? Or did you change your main Adress and Erstewohnsitzt to Romania. I have interests investing in Romania but i live in Germany, i would like to know how it affects the tax here. Thank you

[@Fairoza67]

How come that every property's monthly income is the same as your net profit? Don't you pay taxes...?!

[@cenafanist]

Did u not pay only a down payment? Or u bought the properties outright?

[@brandevise]

Yes - Except 3 Apartments which are under construction. The project is big, has a swimming pool, sauna, starbucks etc. nearby so I decided to put buy multiple units. It is 2x 3 room apartments and 1x2 room apartment. They should be finished by end of next year and the payments are made in steps - first 30%, then 25%, then 30%, then 10% and then 5%. This was a fair payment plan so we locked that in right away. This also helps me make sure that I have more liquidity when some other property comes along at a good price - and at the same time not having the headaches of loans. I know many people love them - I don't. I just personally find it an extra burden that you have to sleep with every night.

[@cbabua]

Hi Bharat, how to speak to you, I have plans to invest in Romania, hope you can help me?

[@8010289147]

go and buy land in tier 2 cities in india it will double in 5 years. 6% is really a joke..even FD in india is giving more amount

[@VedeninaMS]

interested in properties in Germany

[@souptiksheet0]

Why don't you invest in gold ?

[@mohammadjahedhosen2629]

That's great.

[@thewildmustangisfast]

Yes I was thinking that you bought properties in Romania. Still a cheap market for old apartments from communist era. Romania is a safe country and in comparison with other countries from the world like is clean and has a vibrant life.

[@rishiraj2548]

Guten Tag

[@Q00974]

Why don't buy RIET stocks, they will run it for free, you know the hustle of property management and collecting the rent

[@thewildmustangisfast]

Unless this guy was rich in India, he couldn’t make so much money in Germany. Buying a nice property in Germany has been quite expensive in the last 20 years.

[@brandevise]

For one on one consultations: brandevise.com/appointment

[@rameshkawade7574]

Compete with Sam Zell USA

[@8010289147]

retunr 6% inflation 10% :D

[@EbadHamid-tz4wv]

Romania me home owner ship rate one of the highest he among all countries in the world almost 90% of all citizens have their own house or any property to live so why did you invest in these type of countries with high ownership rate on the other side Germany have the lowest home ownership rate of 49% do some research before investing bro, if you want to invest in Europe don't you know that Germany is the largest economy, biggest population, a large number of immigrants coming every year and Germany is called the nation of renters even though they have largest economy.

[@avtarsingh8785]

Use hindi for indian

[@johnrobert6751]

Hi @Brandevise(Bharat) - I have some exciting news! I just bought a house in Hamburg, Germany and would love to discuss comparisons between buying a house in Germany and Romania. If you recall, we briefly talked in person at TUHH in 2021. Looking forward to your response!

[@brandevise]

I remember John! I will write to you on Instagram.

[@rubenghidanac]

98000 + 168000 + 176000 + 176000 + 106299 + 139593 + 183489 + 183117 + 200000 = 1,430,498 euro Can you tell more about buying process (you buy it with bank?, with your money?), how you bought 9 apartments = 1,430,498 euro?

[@brandevise]

I will explain in the next one. We have not taken any loan and are also not planning to. 3 properties - 106, 183, 183 needed only 30% downpayment at the moment. The rest of the payments will be made in stages as I explained in a comment above. But yes, we had money saved up - in the last 7 years we only bought 2 properties, nothing else. We simply never considered real estate interesting, but that changed this time after we saw the banking crisis starting and were worried all of a sudden for both the stocks and the money lying in our bank accounts. Now we have almost nothing left in the bank accounts (except around 36 months of our average expenses)

[@rubenghidanac]

​@@brandevise I'm waiting for the next video for a comprehensive explanation ✌️