Ground-floor apartment with terrace, private garden and KfW loan with a €30,000 subsidy

Key facts

Purchase price & costs

About this apartment

This ground-floor apartment with a terrace and private garden is in a house built in 1958, which was stripped back to the masonry and rebuilt in 2026. What remains is the solid structure. The roof, façade, windows, all building systems and every pipe in the house are new.

Three condominiums have been created.

This apartment is on the ground floor and has around 75 square metres. Three rooms lead off the hallway: a living room opening onto the terrace, a large bedroom and a third room suitable as a child’s room, guest room or office. The kitchen is a separate room, not a nook in the living area. In everyday life, this makes more of a difference than you might expect from looking at a floor plan.

The living areas have parquet flooring, while the kitchen, hallway and bathroom have large-format tiles. The interior doors are new. The bathroom has been completely rebuilt, with a level-access shower and glass screen, wall-hung toilet and high-quality branded fittings.

The apartment’s real advantage lies behind the house. The terrace of around 33 square metres leads to a garden area belonging exclusively to this apartment. Together, they provide over sixty square metres of outdoor space, not as jointly owned property but for the sole use of the apartment’s owner.

The apartment also includes a private basement storage unit and a parking space on the property. A laundry and utility room in the basement is available to all owners.

A kitchen is not included in the sale.

Fittings and features, as described

Outside, a house from 1958. Inside, everything is new, right down to the pipes beneath the basement.

What was good has been preserved: the solid masonry, the foundations, the floor slabs. No one builds with this kind of substance at these prices anymore. Everything else was replaced in 2026.

New are the roof and insulated façade, all windows with triple glazing and electric shutters, the front door and all apartment doors. The heating system, the entire electrical system from the service connection, all water pipes and the wastewater pipes all the way to the connection to the public sewer are new.

This is where this renovation differs from most others. Anyone who has ever moved into an older building knows the sequence: first comes the excitement, then comes the bill for what you couldn’t see. Here, it’s all taken care of before you move in.

Floors, walls and ceilings have been rebuilt, and the stairwell has been fully renovated.

The work is complete. The apartment is ready and available to move into immediately.

Heating is provided by a heat pump in the basement, which also heats the water. Heat is delivered to the rooms via underfloor heating, with each room individually controllable. No radiators on the walls, no gas, no oil tank, no fireplace.

A ventilation system with heat recovery removes stale air and keeps the heat in the house. There’s no need to leave windows tilted open in winter.

The energy performance certificate gives the building an efficiency rating of A+. In theory, the house requires less than half the energy permitted under the Building Energy Act.

Other

The property includes a subsidised loan that can be taken over. Part of it does not have to be repaid.

The renovation was financed with a KfW subsidised loan. Each of the three apartments has its own loan with Sparkasse Trier, which the buyer can take over.

Two things make this valuable. The interest rate of 2.92 per cent is around one percentage point below the current cost of new property financing, and it is fixed until October 2035. In addition, there is the repayment subsidy of 30,236.50 euros, which is still outstanding. It is not paid out but credited to the loan, thereby directly reducing the remaining debt, for the first time in October 2027.

The takeover is carried out as an assumption of debt through the financing bank, which checks the buyer’s creditworthiness as with any financing. The outstanding repayment subsidy then belongs to the new borrower. If a takeover does not take place, the loan will be settled as part of the purchase agreement; this does not change the purchase price.

Location

Location details

The last German town before the Luxembourg border. It is two kilometres to the train to Luxembourg and seven to Trier city centre.

Zewen is Trier’s south-westernmost district, with around 3,600 inhabitants, directly on the Moselle. A village with its own centre that nevertheless belongs to the city: daycare centre, primary school and clubs in the village, the Moselle riverbank and cycle path on the doorstep, and Trier city centre just under fifteen minutes away. Its landmark is Zewen Tower, a customs and border tower from the fourteenth century.

For families working in Luxembourg, Zewen Primary School is an argument in itself. It is an all-day school and bilingual German-French primary school, established because of its proximity to the border, with access to the bilingual branch of Humboldt-Gymnasium in Trier through to the French Baccalauréat.

Around 52,000 people commute daily from Germany to Luxembourg. From here, there are no detours. The B49 runs south past the village and reaches the border at Wasserbillig after eight kilometres; beyond it begins the motorway to Luxembourg City. Those taking the train board in Igel, two kilometres away, and travel directly on the RE 11. Public transport within Luxembourg is free for everyone.