HausVorteil AG comments on current Handelsblatt reporting: Equity Release market recovers
- Growing importance of real estate annuity and equity release models for older property owners in Germany.
- Noticeable revitalization of the market after a difficult phase, increasing demand since 2024, as well as improved contractual conditions and a stronger consideration of consumer protection aspects by providers.
HausVorteil AG (Ticker: KA1 / ISIN: DE000A31C222), one of Germany's leading companies in real estate recapitalization, refers to a recent report by Handelsblatt, which analyzes the growing importance of real estate annuity and equity release models for older property owners in Germany. Handelsblatt describes a noticeable revitalization of the market after a difficult phase, increasing demand since 2024, as well as improved contractual conditions and a stronger consideration of consumer protection aspects by providers.
From HausVorteil AG's perspective, the reporting confirms a structural development that goes beyond a short-term market recovery. Equity release models are increasingly taking on central social functions. They enable property owners to generate liquidity from their assets without having to give up their familiar living environment. These models thus contribute to securing social stability in old age and avoiding forced sales or involuntary moves.
Furthermore, Handelsblatt highlights that providers have further developed their models and are participating in value-adding measures, for example in the area of extraordinary maintenance or energy-efficient renovations.
According to HausVorteil AG's assessment, equity release thus also gains increasing ecological significance. The release of capital allows investments in the energy modernization of existing properties and thus contributes to improving the CO₂ balance of the residential real estate stock – an aspect that is gaining increasing relevance against the backdrop of regulatory requirements and climate policy goals.
In addition to the partial sale model, which is widely discussed in the market, HausVorteil AG also attaches great importance to land sale against the grant of a heritable building right (Erbbaurecht). This model offers property owners another, often long-term stable, option for liquidity release, while the use of the property is retained. At the same time, the heritable building right creates clear legal structures and planning security for both sides and, from the company's point of view, represents an important component of a differentiated equity release offering.
In the context of the Handelsblatt reporting, HausVorteil AG emphasizes its commitment to consistently placing consumer protection and the balancing of interests at the center. The company participates – depending on the respective model – in value-adding measures and takes into account the long-term perspective of joint property use. A central component of the business model is comprehensive, transparent advice, in which interested parties are openly informed about all economic, legal, and practical aspects – including possible developments over the entire term up to a later total sale.
Against the background of the market development described in Handelsblatt, the demographic conditions, and the increasing importance of sustainable real estate concepts, HausVorteil AG sees its strategic orientation as a multi-product provider confirmed. The company assumes that innovative equity release models – including land sales with heritable building rights – will permanently play a relevant role in the German real estate and retirement financing market.
