Rent-to-Own
ATEG Rent-to-Own: Your Path to Homeownership
If you decide to purchase your apartment, you can switch to rent-to-own at any time—no down payment, no waiting period, no extra charges.
How Does Rent-to-Own Work?
- ATEG Rent + ATEG Purchase Rate are directly deducted from the purchase price.
- No impact on your credit score, as you are not taking out a loan.
- You decide how much & when you pay—no restrictions!
- If you change your mind, you can switch back to renting at any time.
Security for You:
- The deposit & maintenance contribution are refunded only after the full purchase price has been paid.
- If repairs are needed during the rent-to-own period that exceed the deposited amount and maintenance contribution, the excess costs will be added to the purchase price.
Example Calculation for Homeownership
ATEG Purchase Rate - Monthly Payment (Rent + Purchase Rate) - Time to Ownership
ATEG Rent
ATEG Purchase
Rate Total
Years
€260
€0
€260/month
83,3
€260
€300
€560/month
33,3
€260
€500
€760/month
23,8
What Makes It Special:
- The higher the ATEG purchase rate, the faster the property is paid off.
- The entire purchase amount is invested directly into homeownership without any additional fees.
Comparison
(all amounts in euros, net)
Apartment X (€200,000)
Competitor
ATEG Rent-to-Own
Down Payment
€20,000 – €40,000
€0
Deposit
-
€720
Monthly Rent
-
€260
ATEG Purchase Rate
-
€295.55
Total Monthly Payment
approx. €758.89
€555.55
Term e.g.
30 years e.g.
30 years
Flexible Payments
no
yes
Total Cost
€273,199
(at 3% interest; additional costs possible)
€200,000
(-€21,600 refunded if no renovations are needed)
Example for ATEG Rent-to-Own
(all amounts in euros, net)
House X (€450,000)
ATEG Rent-to-Own
Down Payment
€0
Deposit
€1,755
Monthly Rent
€585
ATEG Purchase Rate (30 years)
€800
Total Monthly Payment
€1,385
Purchase Option
immediate
Term e.g.
30 years
Flexible Payments
yes
Total Costs
€450,000
(-€48,600 refunded if no renovations are needed)
Example for ATEG Rent-to-Own
(all amounts in euros, net)
