From notice to move-in: a six-month timeline, deadlines for the municipality, compensation office and home-care service – and why clearing the old home takes longest.
After 30 years in the same apartment almost everything is written off. How the useful-life table works, what counts as normal wear, and when the deposit must be released.
Before a sale, an advance on inheritance or a usufruct you need a defensible figure. The three valuation methods, what online estimates are good for, and when a full appraisal pays.
Stay and convert, or sell and move: a decision guide with cost comparison, property gains tax, tax deferral on a replacement home, and the third route – selling but staying put.
Moving means costs on both sides: transfer tax, notary, land registry and mortgage certificate on the purchase – agent's commission and property gains tax on the sale. With a worked example.
Buying an apartment in later life: the six phases and how long they take – and what differs from a first purchase: affordability on pension income, accessibility, the renovation fund.