The buggers don’t even try anymore.
This morning I had the fourth rejection in as many days from different agencies using the same C&P text:
vielen Dank für Ihr Interesse an unserem Angebot.
Zu dieser Immobilie sind bei uns bereits sehr viele Anfragen eingegangen. Deshalb können wir im Moment keine weiteren Besichtigungstermine anbieten.
Gerne kommen wir erneut auf Sie zu, falls wieder Termine vergeben werden.
Vielen Dank für Ihr Verständnis.
Basically it says that due to the high volume of applicants they are not doing any more viewings.
These are all for „cheap“ flats at around a thousand a month and 30 to 40 m2 way out in Bayrisch-Kongo.
Recently I have been looking a so-called weekend houses, for most part cheaply built things for the weekend getaway, they come in a price range that I may be able to afford buying but at the moment in particular I am looking for loopholes that will allow me to actually, you know, like… live there because you can buy a perfectly viable house but you are not allowed to actually live in it.
So we will see how that works out.
If you’re 65 you can get the Swiss portion of your state pension now. (or at least from your next birthday - IIRC it can only commence in your birthday month). Each country pays according to its own age limits, not that of the country you live in.
I think I have to be an adult here and wait until I reach pension age here in Germany.
Collecting my pension is going to be epic in any case.
I hope to be getting a pension from:
Germany
Denmark
Switzerland
Malta
At least that is how the lady behind the desk at the Pension office said it would work, I am however not holding my breath.
If I were to go into a pension right now I would get 580 Euros from Germany and nothing from the other countries until I reach the official pension age in the country where I live, in this case Germany.
This Eigenbedarf thing could not have come at a worse time.
That won´t work, they have registered the flat as a rental and have to show the rent income to the tax man and if the place is no longer used as a rental but there is somebody registered there they the Gemeinde will want to know why.
There must be loopholes somewhere but usually the system in place does not allow for flying under the radar and even if you manage it for a while it will bite you in the arse at some point.
No, not the case. It is the pension age in the country paying that is relevant and only that. BTDT, in my case claiming at different ages in FL, CH and GB.
You have to apply in Germany unfortunately but just need to make it clear you are only now claiming the CH one.
From the AHV pension office
You should apply to take your Swiss old-age pension around three to four months before the date when you wish to start drawing your old-age pension .
A Swiss friend retired in January and did not know about this rule so he is still waiting for his pension payments, payments will be backdated.
You are entitled to an old-age pension when you reach the reference age.
For men, it is 65
If you defer your old-age pension wholly or in part, you will receive an
increased old-age pension for the full duration of your retirement. The
increase will be calculated on the basis of actuarial principles and, like the
pension itself, will be periodically adjusted to changes in salaries and prices.
If the German office is stubborn, there is a form to apply directly but you would have to explain why you are using it.
Hubby did it too, claimed in France, Belgium, Germany, UK and Switzerland.
Having said that Germany was by far the most difficult and the German authorities very demanding so i don’t envy Slammer having to do it all through them but they do at least backdate it to the date of eligibility once they sort everything out.
I went in last year for advise, I explained what it was all about to the nice lady behind the desk. She looked at me blankly and said.: “What?”
It went downhill from there.
Got the fifth rejection out of a batch of five applications I sent out, same old: “Too many applicants!”
And the first rejection from the last batch of three I sent out yesterday; different text though but the same reason: So many applicants that they are not taking anybody else at this time
The posting had been “live” for not even two hours before being taken down again.
Slammer is basically competing with other low-income tenants who combine two salaries.
Very sad and a tell-tale sign of the economic decline of the middle-class that has only just started.
I can understand being reluctant to join a WG. Though I’m sure it’s going to be rather popular in his age-bracket soon, once politics realizes it’s impossible to keep all the promises it has made to retirees.
Thing is the burocracy is by far not keeping up with how the times have changed.
So many empty weekend houses and so many empty holiday homes that you could buy, but you can’t live in them.
It might be a sign of increasing demand. Maybe also of people on state subsidies competing for the same place Slammer has to earn himself.
Germany is relatively densely populated with restrictive construction land zoning (i.e. construction land is expensive even away from cities). Similar to Switzerland - the too slow construction land zone change pushes the property prices sky high.
At the Stammtisch last Tuesday I spoke with the local Immobilien guy and asked to put some feelers (in his case tentacles) out, he supplies the high end of the Market, no rentals and is crying in his beer that nobody has 1.300.000 in their pocket anymore.
I was bitching as well and he gave me a tip for applying that should it be true will make me lose my faith in humanity, again. I told him about the verbatim rejection message from different agencies.
He suggested to leave my age out of the application because the filters will automatically block anybody over 60-odd with the reasoning that over 60ties will soon be receiving pension and won’t be able to afford the living space and they want long time renters.
Boom!
Both.
Germany let in millions of non-productive individuals and their families without increasing housing-supply.
Those people on benefits do get their shelter paid by the state (or rather the local authorities) - and thus they squeeze out actual working tax-payers.
There’s this saying that Munich is inhabited by benefits-recipients and single or DINK high-earners in a WFH situation but everybody else has left due to the costs of renting.
Switzerland has avoided the worst of this influx - but the population has still grown and the supply in housing is even more finite than in Germany - because in Germany, a larger percentage of the total land-area is at least fit to build houses, in theory, whereas Switzerlands mountains are for all intents and purposes, uninhabitable to a large degree.
And Switzerland attracts (U)HNWIs, FAANG-staff and employees of other multi-nationals who are a net-positive to the economy.
The Munich area is insane for rents, and has been for as long as I can remember.
Was looking there at the end of the 80’s. Couldn’t get to see most apartments because I had a German name but not the accent. Someone told me that most people probably thought I was an “Aussiedler” ( ethnic German immigrants from countries of the former Soviet Union and other parts of Eastern Europe, not that popular at the time as tenants).
I ended up asking a farmer somewhere near Tegernsee if I could rent their holiday flat permanently. They said fine, if I promised I’d move out for two weeks every July when they had “regulars” that rented it. I agreed, and that was that…