Real-estate-tm.de Reviews

Based on looking at the website Real-estate-tm.de, it presents itself as a real estate brokerage firm operating primarily in the Ingolstadt and Geisenfeld regions of Germany.

While the core service of facilitating property transactions buying, selling, renting is generally permissible in Islam as it deals with the exchange of tangible assets and services, the site explicitly mentions “Finanzierung” financing and “Versicherungen” insurances as part of their offerings.

These areas often involve interest-based loans Riba and conventional insurance, which are impermissible in Islam.

Engaging with financial models that incorporate Riba is explicitly forbidden, as it leads to an unjust accumulation of wealth and systemic inequality.

Similarly, conventional insurance often contains elements of Gharar excessive uncertainty and Riba, making it problematic from an Islamic perspective.

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Therefore, while the brokerage service itself may be fine, the financial and insurance components advertised by Real-estate-tm.de present a significant concern.

It is crucial for a Muslim to avoid transactions involving Riba and conventional insurance, seeking out Shariah-compliant alternatives for property financing and protection.

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IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Understanding Real-estate-tm.de: A First Look at Their Offerings

Real-estate-tm.de positions itself as a comprehensive real estate partner for the Ingolstadt and Geisenfeld areas in Germany.

Their website highlights a range of services designed to assist clients with various property needs, from purchasing and selling to renting and investment.

The firm emphasizes its local presence, a team of experienced professionals, and a commitment to transparency.

Real-estate-tm.de Services Overview

The website lists several key services they provide, aiming to cover the full spectrum of real estate transactions for both private and commercial clients. These include:

• Immobilie suchen Property Search: Assisting clients in finding suitable residential or commercial properties. This often involves matching buyer needs with available listings and facilitating viewings.
• Immobilie verkaufen Property Sale: Guiding property owners through the sales process, from valuation and marketing to negotiation and closing. They claim to ensure an “angemessen Verkaufspreis” appropriate sales price.
• Immobilie vermieten Property Rental: Supporting landlords in finding tenants and managing the rental process.
• Kapitalanlage & Altersvorsorge Capital Investment & Retirement Provision: Advising on real estate as an investment vehicle, including strategies for long-term wealth building.
• Immobilienberatung Real Estate Consulting: Providing expert advice on various property-related matters.
• Finanzierung Financing: Offering options for property financing, which, as noted, is a critical area of concern due to potential Riba.
• Versicherungen Insurances: Providing insurance solutions, another area that typically involves problematic elements from an Islamic financial perspective.

The Team and Company Philosophy

Real Estate T&M GmbH states that its team comprises specialists from the construction, finance, and IT sectors, bringing a multi-faceted approach to real estate. They promote values of regionality, trust, and transparency and aim for long-term, sustainable partnerships with clients. The company emphasizes its independence in business decisions, which they claim allows them to operate sustainably. Switcheries.com Reviews

Navigating Real-estate-tm.de: Areas of Concern for the Muslim Consumer

While the core act of buying or selling property is permissible, certain services offered by Real-estate-tm.de, particularly “Finanzierung” financing and “Versicherungen” insurances, raise significant concerns for Muslim consumers due to their typical reliance on interest Riba and excessive uncertainty Gharar, both of which are forbidden in Islam.

The Issue of “Finanzierung” Financing

The term “Finanzierung” on Real-estate-tm.de almost certainly refers to conventional mortgage loans, which are based on interest.

In Islamic finance, Riba interest is strictly prohibited, whether it’s charged or paid.

This prohibition is central to Islamic economic principles, aiming to prevent exploitation and promote equitable wealth distribution.

• Why Riba is Forbidden:
  • Injustice and Exploitation: Riba allows wealth to be generated from money itself, rather than from productive economic activity or genuine risk-sharing. This can lead to the rich getting richer at the expense of the poor.
  • Economic Instability: Interest-based systems can contribute to economic crises and bubbles, as seen in various historical financial downturns.
  • Lack of Risk Sharing: In an interest-based loan, the lender is guaranteed a return regardless of the borrower’s success or failure, transferring all risk to the borrower. Islamic finance emphasizes risk-sharing.
• How Conventional Mortgages Work:
  • Typically, a bank lends money to the borrower to purchase a property.
  • The borrower repays the principal amount plus an agreed-upon interest rate over a fixed period.
  • This interest constitutes Riba, making such transactions impermissible.
• Data on Interest Rates: In Germany, mortgage interest rates fluctuate, but they are always present. For instance, in early 2024, average mortgage rates for a 10-year fixed loan could range from 3.5% to 4.5%, depending on the borrower’s creditworthiness and market conditions. These rates, however small, still fall under the category of Riba.

The Problem with “Versicherungen” Insurances

Real-estate-tm.de also lists “Versicherungen” as a service. Dealinvestmentpty.com Reviews

Conventional insurance policies often involve elements that make them impermissible in Islam.

• Gharar Excessive Uncertainty: Conventional insurance contracts often contain a high degree of uncertainty regarding whether a payout will occur, when it will occur, and how much it will be. This uncertainty is not permissible in contracts in Islam, which prefers clarity and certainty.
• Maysir Gambling: The nature of conventional insurance can sometimes resemble gambling, where premiums are paid with the hope of a large payout if a specified event occurs.
• Riba Interest: Insurance companies often invest policyholders’ premiums in interest-bearing instruments, meaning the funds themselves are being used in Riba-laden activities.
• Lack of Mutual Aid: Unlike Islamic insurance Takaful, conventional insurance is primarily a commercial venture for profit, rather than a system of mutual aid and cooperation among participants.
• Statistical Evidence of Investment Practices: Major insurance companies globally hold significant portfolios in bonds and other fixed-income securities, which are often interest-bearing. For example, a report by the German Insurance Association GDV indicates that over 70% of German insurers’ investment portfolios are typically in interest-bearing assets like bonds.

Alternatives to Impermissible Services Offered by Real-estate-tm.de

Given the presence of Riba-based financing and conventional insurance services, it is crucial for Muslims to seek out Shariah-compliant alternatives.

These alternatives are designed to adhere to Islamic principles, ensuring financial transactions are ethical and permissible.

Halal Financing Alternatives

Instead of conventional mortgages, Muslims can explore several Islamic financing structures for property acquisition:

• Murabaha Cost-Plus Financing:
  • Mechanism: The bank or Islamic financial institution purchases the property from the seller and then sells it to the client at a pre-agreed higher price, which includes a profit margin for the bank. The client repays this total price in installments.
  • Key Feature: There is no interest charged. The profit is a fixed, transparent markup agreed upon at the outset.
  • Benefit: Allows the client to acquire the asset without engaging in Riba.
• Musharakah Mutanaqisah Diminishing Partnership:
  • Mechanism: The bank and the client jointly purchase the property. The client then gradually buys out the bank’s share of the property over time, usually through monthly payments. As the client’s equity increases, the bank’s share diminishes.
  • Key Feature: Both parties are partners in the asset, sharing risks and rewards. The client pays rent on the bank’s portion of the property.
  • Benefit: Aligns with Islamic principles of partnership and risk-sharing, avoiding Riba. This is a very common method in the UK and US for Islamic mortgages.
• Ijarah Lease Financing:
  • Mechanism: The bank purchases the property and leases it to the client for a specified period. At the end of the lease, ownership is transferred to the client, either automatically or through a separate purchase agreement.
  • Key Feature: The bank maintains ownership during the lease period, and the client pays rent, not interest.
  • Benefit: Provides a permissible way to acquire property through a lease-to-own structure.

Shariah-Compliant Insurance Takaful

Instead of conventional insurance, Muslims should seek Takaful, an Islamic alternative based on principles of mutual cooperation and donation. Allaboutquality.co.uk Reviews

• Mechanism: Participants contribute to a fund donating premiums which is then used to cover the losses of any participant. The fund is managed by a Takaful operator, who invests the funds in Shariah-compliant ways.
• Key Features:
  • Mutual Cooperation Ta’awun: Participants mutually guarantee each other.
  • No Riba: Investments of the Takaful fund avoid interest-bearing instruments.
  • No Gharar: Uncertainty is minimized through a clear framework of contribution and compensation.
  • No Maysir: The system is based on donation and mutual aid, not speculation.
  • Surplus Sharing: Any surplus in the fund after claims and expenses are paid can be distributed back to participants.
• Types of Takaful: Just like conventional insurance, there are various Takaful products, including property Takaful, family Takaful life insurance alternative, and motor Takaful.
• Growth of Takaful: The global Takaful market has been steadily growing, with projections indicating significant expansion. For instance, the global Takaful market size was estimated at over US$29 billion in 2022 and is projected to reach US$97 billion by 2030, reflecting a compound annual growth rate CAGR of 16.2%. This growth indicates increasing availability and sophistication of Takaful products worldwide.

Real-estate-tm.de: Focus on the Permissible Aspects and Disregard the Impermissible

For a Muslim client interacting with Real-estate-tm.de, the focus should strictly remain on the permissible aspects of their services, such as property search, sale, and rental.

It is crucial to politely but firmly decline any offerings related to conventional financing or insurance.

Utilizing Permissible Services

• Property Search and Acquisition: A Muslim client can certainly use Real-estate-tm.de’s expertise to find a property to purchase. Their knowledge of the local market, access to listings, and negotiation skills can be valuable. The act of brokerage itself, facilitating the exchange of an asset, is permissible.
• Property Sale: Similarly, if a Muslim wishes to sell a property, Real-estate-tm.de can assist with valuation, marketing, and finding a buyer. The transaction is between the seller and buyer, and the broker’s fee for their service is legitimate.
• Property Rental: Both finding properties to rent or finding tenants for rental properties falls within permissible services, as long as the rental agreement itself is Shariah-compliant e.g., no interest-based penalties for late payments.
• Real Estate Consulting Immobilienberatung: General advice on market trends, property values, and legal aspects of real estate transactions is also permissible. However, if the consultation veers into advice on conventional financing or insurance, it should be disregarded.

Crucial Steps to Ensure Permissibility

1. Clear Communication: From the outset, communicate your requirements for Shariah-compliant transactions. Inform the broker that you will not engage in interest-based financing or conventional insurance.
2. Independent Financing: Secure your property financing through a recognized Islamic financial institution that offers Murabaha, Musharakah Mutanaqisah, or Ijarah. Do not rely on Real-estate-tm.de for “Finanzierung.”
3. Independent Insurance: Arrange your property insurance through a reputable Takaful provider. Do not accept conventional insurance policies offered by Real-estate-tm.de or their partners.
4. Review All Contracts: Before signing any documents, meticulously review them or have them reviewed by an expert knowledgeable in Islamic finance to ensure there are no hidden interest clauses, conventional insurance requirements, or other impermissible elements.
5. Focus on the Core Service: Treat Real-estate-tm.de as a facilitator for property transactions buying, selling, renting and not as a provider of financial or insurance products.

By taking these steps, a Muslim client can leverage the permissible expertise of Real-estate-tm.de for their real estate needs while safeguarding their adherence to Islamic financial principles.

The goal is to benefit from their local market knowledge and brokerage services without compromising one’s faith by engaging in forbidden transactions.

Understanding Real-estate-tm.de: An Ethical Real Estate Perspective

For Muslims, engaging with real estate services requires a keen eye on ethical considerations beyond mere transaction legality. Iron-maidens.co.uk Reviews

While the physical exchange of property is generally permissible, the methods of financing and protection insurance are critical touchpoints for Shariah compliance.

Cons of Real-estate-tm.de from an Islamic Perspective

The primary drawbacks of Real-estate-tm.de, from an Islamic ethical standpoint, revolve around their inclusion of conventional financing and insurance services.

• Involvement with Riba Interest: As highlighted, their “Finanzierung” service almost certainly implies facilitating conventional, interest-bearing loans.
  • Impact: Engaging in Riba, whether as a borrower, lender, or facilitator, is a major sin in Islam. It corrupts wealth and community.
  • Prevalence: The global financial system is heavily reliant on interest. For instance, in Germany, the vast majority of mortgage products are conventional. In 2022, the volume of new residential mortgage loans in Germany was approximately €250 billion, almost entirely based on interest.
• Conventional Insurance Gharar and Maysir: Their “Versicherungen” service implies facilitating conventional insurance contracts, which are problematic due to Gharar excessive uncertainty and Maysir gambling elements, and their investment of premiums in Riba-based instruments.
  • Impact: Participating in contracts with excessive uncertainty or gambling-like elements is forbidden, as it introduces injustice and exploitation.
• Potential for Unintentional Engagement: A client who is not well-versed in Islamic finance might unintentionally be steered towards impermissible financial products if they rely solely on the advice offered by Real-estate-tm.de in these areas.

The Importance of Ethical Alternatives

The availability and promotion of ethical alternatives are paramount.

Instead of allowing a service provider to dictate the terms, Muslim clients must actively seek out options that align with their values.

• Growing Islamic Finance Market: The global Islamic finance industry, including Islamic banking, Takaful, and Sukuk Islamic bonds, is a rapidly expanding sector. By the end of 2022, its assets were estimated to be over US$4 trillion. This growth signifies that Shariah-compliant alternatives are increasingly accessible.
• Ethical Investing Principles: Beyond just avoiding Riba, Islamic finance promotes ethical investing, which excludes industries like alcohol, gambling, pork, and conventional weapons. This broader ethical framework aligns with principles of social responsibility and sustainable development.
• Community Support: Opting for Shariah-compliant alternatives not only benefits the individual but also strengthens the Islamic financial ecosystem, contributing to its growth and making it more accessible for others.

Therefore, while Real-estate-tm.de can serve a functional purpose in terms of brokerage, its financial and insurance offerings require a clear ethical boundary for Muslim consumers. Pcvsolutions.co.uk Reviews

The cons largely stem from the conventional nature of these specific services, which conflict with core Islamic financial principles.

Understanding Real-estate-tm.de: Key Data and References

Real-estate-tm.de presents some data points on its website to instill confidence, particularly concerning its track record in real estate transactions.

While specific numbers are not explicitly detailed in the provided text as “0% Kundenzufriedenheit” and similar “0+” values seem to be placeholders or dynamic counters, the categories of data they aim to showcase are instructive.

Metrics Showcased on Real-estate-tm.de

The website displays placeholders for what appear to be key performance indicators KPIs in the real estate sector. These include:

• Kundenzufriedenheit Customer Satisfaction: While the placeholder “0 %” is clearly not the intended figure, a real estate agency would typically highlight a high percentage of satisfied clients, perhaps based on surveys or direct feedback. High customer satisfaction often correlates with successful transactions and positive word-of-mouth referrals.
• m2 Verkaufte Wohnfläche m2 of Residential Space Sold: This metric indicates the total area of residential properties they have successfully brokered for sale. For instance, if they have sold multiple properties, summing their square footage provides an impressive cumulative figure. This metric signifies transaction volume and market reach within the residential segment.
• Verkaufte Immobilien Properties Sold: This is a direct count of the total number of properties they have successfully sold. This includes both residential and potentially commercial properties. A high number here reflects experience and consistent deal closure.

Reference Projects and Their Scope

The website also lists “Unsere Referenzen als Makler in Ingolstadt,” providing examples of properties they have brokered. Vilari.ltd Reviews

While the specific “Gesamtvolumen” total volume and unit numbers are presented as placeholders e.g., “1.448.660 €” for a Mehrfamilienhaus, these categories illustrate the range and scale of their work:

• Mehrfamilienhaus Multi-family House: Indicates experience with properties containing multiple residential units.
  • Example Placeholder Data: Gesamtvolumen 1.448.660 €, Wohneinheiten 5, Wohnfläche 90,00 m² bis 155,70 m²
• Doppelhaus Semi-detached House: Suggests involvement in projects with paired homes.
  • Example Placeholder Data: Gesamtvolumen 2.364.000 €, Wohneinheiten 10, Wohnfläche 42,62 m² bis 52,79 m²
• Reihenhaus Terraced House: Demonstrates experience with row houses.
  • Example Placeholder Data: Gesamtvolumen 2.675.904 €, Wohneinheiten 16, Wohnfläche 56,80 m² bis 141,11 m²
• Doppelhaushälfte Semi-detached Home Half: Similar to Doppelhaus, focusing on individual units within such structures.
  • Example Placeholder Data: Gesamtvolumen 1.723.140 €, Wohneinheiten 8, Wohnfläche 78,50 m² bis 107,75 m²
• Wohnungen Apartments: Covers individual apartment units.
  • Example Placeholder Data: Gesamtvolumen 2.849.500 €, Wohneinheiten 10, Wohnfläche 60 m² bis 117 m²
• Besondere Häuser Special Homes: Suggests handling unique or luxury properties e.g., Penthouses mentioned elsewhere.
  • Example Placeholder Data: Gesamtvolumen 1.985.500 €, Wohneinheiten 6, Wohnfläche 81,08 m² bis 95,20 m²
• Betreutes Wohnen zur Altersvorsorge Assisted Living for Retirement Provision: Highlights specialization in properties designed for elderly care, often for investment purposes.
  • Example Placeholder Data: Gesamtvolumen 1.500.000 €, Wohneinheiten >10, Wohnfläche ab 30m²
• Eigentumswohnungen Condominiums: Focuses on individually owned apartment units within a larger building.
  • Example Placeholder Data: Gesamtvolumen 1.600.000 €, Wohneinheiten 12, Wohnfläche 46m² – 76m²
• Gewerbeimmobilie Commercial Property: Indicates experience with business properties.
  • Example Placeholder Data: Gesamtvolumen 3.000.000 €, Nutzfläche 2000 m²

These reference projects, even with placeholder data, signify that Real-estate-tm.de aims to portray itself as a versatile agency capable of handling a broad range of property types and transaction volumes.

This diversity suggests a certain level of operational capacity and market knowledge within their specified regions.

How to Engage with Real-estate-tm.de: Ensuring Shariah Compliance

For Muslim individuals or businesses considering using Real-estate-tm.de, the key is to be proactive and informed to ensure all engagements remain Shariah-compliant.

This means carefully distinguishing between the permissible and impermissible services offered. Globalcapitaltrade.net Reviews

Initial Contact and Disclosure

When first contacting Real-estate-tm.de, it is advisable to clearly state your requirements regarding financing and insurance.

• Verbal Disclosure: Inform them upfront that you will be arranging your own Shariah-compliant financing and Takaful Islamic insurance for any property transactions.
• Written Confirmation Optional but Recommended: Follow up your verbal discussion with a brief email outlining these requirements. This creates a clear record and helps prevent misunderstandings later.
• Focus on Brokerage Services: Emphasize that you are primarily interested in their core brokerage services:
  • Property Sourcing: Helping you find suitable properties that meet your criteria.
  • Market Analysis: Providing insights into property values and market trends in Ingolstadt and Geisenfeld.
  • Negotiation Support: Assisting in negotiating purchase or sale prices.
  • Documentation Facilitation: Helping with the initial paperwork for property viewing or listing.

Due Diligence on Financial Aspects

Even if you inform them of your intentions, remain vigilant.

The default industry standard for real estate transactions includes conventional financing and insurance.

• No Direct Financing Referrals: Politely decline any offers or referrals from Real-estate-tm.de to conventional banks or financial institutions for mortgages.
• No Direct Insurance Offers: Refuse any recommendations or facilitation of conventional insurance policies for the property.
• Independent Research: Dedicate time to research and secure your own Shariah-compliant financing and Takaful providers. In Germany, while Islamic finance options are still developing compared to other regions, there are specialized institutions or branches of larger banks that might offer such products, or you may need to look at international providers that can operate in Germany.
• Legal Review: Before signing any purchase agreements or contracts introduced by Real-estate-tm.de, have them thoroughly reviewed by an independent legal counsel who is also familiar with Islamic financial principles. This ensures no hidden clauses or obligations violate Shariah.

Post-Transaction Monitoring

Even after a deal is closed, remain aware of any future communications or offers that might arise.

• Avoid Upselling: Be wary of any attempts to upsell conventional financial products or services after the main property transaction is complete.
• Ongoing Financial Management: Ensure your property’s financial management e.g., ongoing payments, maintenance funds remains within Shariah-compliant frameworks.

By maintaining a clear, assertive, and informed stance, a Muslim client can successfully leverage the permissible aspects of Real-estate-tm.de’s services while strictly avoiding the impermissible elements, thus upholding their commitment to Islamic ethical principles. Buschartersvip.com Reviews

Understanding Real-estate-tm.de: Considerations for Property Sales and Purchases

When engaging with Real-estate-tm.de for either selling or purchasing a property, several factors come into play, especially when adhering to Islamic financial principles.

The core process of brokerage is generally permissible, but the methods of financing and related services are critical.

For Sellers: Achieving a Halal Sale

If you are selling a property through Real-estate-tm.de, your primary concern is to ensure the sale itself is valid and that you do not facilitate any impermissible transactions for the buyer.

• Broker’s Role: Real-estate-tm.de acts as an intermediary, marketing your property, finding potential buyers, and assisting with negotiations. Their fee for this service is earned through permissible means.
• Buyer’s Financing: You, as the seller, are generally not responsible for how the buyer finances their purchase, as long as you are receiving a permissible payment for your property. The sale transaction exchange of property for money is complete and permissible.
• Market Value: Real-estate-tm.de aims to achieve an “angemessen Verkaufspreis” appropriate sales price. This aligns with Islamic principles of fair trade and avoiding exploitation. Getting a fair market value for your asset is your right.
• Transparency: The firm emphasizes transparency, which is a key Islamic business ethic. Ensure that all terms and conditions related to the sale are clear and disclosed.

For Buyers: Navigating the Purchase with Caution

When purchasing a property through Real-estate-tm.de, the responsibility to ensure Shariah compliance falls squarely on the buyer, particularly regarding financing.

• Property Search and Selection: Use Real-estate-tm.de’s “Immobilie suchen” service to identify properties that meet your criteria. This part of the service is permissible.
• Independent Halal Financing: As repeatedly emphasized, do NOT use Real-estate-tm.de’s “Finanzierung” service. You must arrange your own Shariah-compliant financing from an Islamic bank or financial institution.
  • This typically involves Murabaha, Musharakah Mutanaqisah, or Ijarah contracts, where the institution buys the property and then sells/leases it to you without interest.
  • Research indicates that Islamic banking assets in Europe are growing, with countries like Germany seeing increasing demand. While still nascent compared to the UK, specialized Islamic finance providers are available or can be accessed through specific products from conventional banks.
• Takaful Islamic Insurance: Similarly, do NOT use Real-estate-tm.de’s “Versicherungen” service. Secure your property insurance through a Takaful provider.
  • Takaful works on principles of mutual aid and risk-sharing, avoiding Riba, Gharar, and Maysir.
  • There are Takaful operators that cater to the European market, though their presence might be less widespread than conventional insurers.
• Contract Review: Any purchase agreement presented by Real-estate-tm.de should be meticulously reviewed to ensure it contains no clauses that obligate you to conventional financing or insurance. For instance, sometimes a sale might be contingent on a certain type of financing being secured. Ensure such clauses can be fulfilled by Shariah-compliant alternatives.

In summary, for both sellers and buyers, Real-estate-tm.de can serve as a useful brokerage. Frpfile.com Reviews

However, for buyers, strict adherence to Shariah compliance demands that financing and insurance be sourced independently from explicitly halal providers, ensuring that no Riba or problematic contractual elements are unwittingly entered into.

Frequently Asked Questions

What is Real-estate-tm.de?

Based on looking at the website, Real-estate-tm.de is a real estate brokerage firm operating primarily in the Ingolstadt and Geisenfeld regions of Germany, offering services for buying, selling, and renting properties.

Is Real-estate-tm.de a legitimate real estate agency?

Yes, based on the professional appearance of their website and the detailed service descriptions, Real-estate-tm.de appears to be a legitimate real estate agency in Germany.

They provide contact information and a range of services.

Does Real-estate-tm.de offer property search services?

Yes, Real-estate-tm.de explicitly states they offer “Immobilie suchen” Property Search services to help clients find suitable residential and commercial properties. Leuchten-trends.de Reviews

Can Real-estate-tm.de help me sell my house?

Yes, Real-estate-tm.de provides “Immobilie verkaufen” Property Sale services, aiming to help property owners achieve an appropriate sales price for their real estate.

Does Real-estate-tm.de assist with rental properties?

Yes, Real-estate-tm.de offers “Immobilie vermieten” Property Rental services, which would include assisting landlords in finding tenants.

What kind of properties does Real-estate-tm.de deal with?

Real-estate-tm.de deals with a variety of property types, including multi-family houses, semi-detached houses, terraced houses, apartments, special homes, assisted living facilities, condominiums, and commercial properties.

Does Real-estate-tm.de offer financial consulting?

Yes, Real-estate-tm.de lists “Finanzierung” Financing and “Immobilienberatung” Real Estate Consulting among its services.

Are the financing options offered by Real-estate-tm.de Shariah-compliant?

No, the “Finanzierung” financing options mentioned on Real-estate-tm.de are highly likely to be conventional, interest-based loans, which are not Shariah-compliant. Muslims should seek independent, halal financing. Smartchoiceagents.com Reviews

Does Real-estate-tm.de provide insurance services?

Yes, Real-estate-tm.de mentions “Versicherungen” Insurances as one of its services.

Are the insurance options offered by Real-estate-tm.de Shariah-compliant?

No, the “Versicherungen” insurances offered by Real-estate-tm.de are likely conventional insurance policies, which are problematic in Islam due to elements of Riba interest, Gharar uncertainty, and Maysir gambling. Muslims should seek Takaful.

What are the alternatives to Real-estate-tm.de’s financing services for Muslims?

Muslims should consider Shariah-compliant financing alternatives such as Murabaha cost-plus financing, Musharakah Mutanaqisah diminishing partnership, or Ijarah lease financing from Islamic financial institutions.

What are the alternatives to Real-estate-tm.de’s insurance services for Muslims?

Muslims should use Takaful, which is an Islamic cooperative insurance system based on mutual aid and donation, free from Riba, Gharar, and Maysir.

Can I use Real-estate-tm.de for just the brokerage services?

Yes, you can use Real-estate-tm.de for its core brokerage services like property search, sale, and rental, while independently sourcing your financing and insurance from Shariah-compliant providers. Odroid.nl Reviews

Does Real-estate-tm.de offer services for capital investment?

Yes, Real-estate-tm.de lists “Kapitalanlage & Altersvorsorge” Capital Investment & Retirement Provision as one of their services, advising on real estate as an investment.

How can I contact Real-estate-tm.de?

Their website provides contact details, including a phone number 08752 / 86 77 12 and an email address [email protected].

Is Real-estate-tm.de active in other regions besides Ingolstadt and Geisenfeld?

Based on the website, their primary focus and stated expertise are for the regions of Ingolstadt and Geisenfeld.

Does Real-estate-tm.de provide customer satisfaction statistics?

The website has a placeholder for “Kundenzufriedenheit” Customer Satisfaction, indicating they track this metric, though specific numbers are not visible in the provided text.

Does Real-estate-tm.de list references or past projects?

Yes, the website includes a “Referenzen” section showcasing various types of properties they have brokered, along with placeholder data for total volume, units, and living space. Thunderhoster.com Reviews

What kind of experience does Real-estate-tm.de claim their team has?

Real-estate-tm.de states that their team comprises specialists from the construction, finance, and IT sectors, highlighting solid knowledge, extensive further training, and professional experience in the construction industry.

How can I ensure my engagement with Real-estate-tm.de is ethical?

Ensure ethical engagement by clearly stating your need for Shariah-compliant financing and Takaful upfront, declining conventional offerings, and thoroughly reviewing all contracts with independent, knowledgeable counsel.