ImmoLive Raiffeisen Immobilien Special

ImmoLive Raiffeisen Immobilien Special

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Ohne Übertreibung kann man mittlerweile festhalten:

Wir befinden uns mitten in einem Marktumbruch! Nach beinahe 20 Jahren kontinuierlicher Zuwächse (Anzahl der Transaktionen, Marktvolumen, Preisentwicklung) erleben wir seit der Jahresmitte 22 Marktveränderungen in mancherlei Hinsicht:

  • Leistbarkeit ist das mittlerweile alleine dominierende Thema 
  • Das betrifft den Erwerb, vor allem aber den laufenden Betrieb 
  • Die Nachfrage nach Eigentumsobjekten ist rückläufig 
  • Das Angebot an Eigentumsobjekten nimmt deutlich zu 
  • Die Preissteigerungen der Vorjahre flachen ab 
  • Die Renditen bekommen wieder Auftrieb 
  • (nachlassende Kaufpreise – konstante Mieten) 
  • Der Marktschwerpunkt verlagert sich von Kauf zu Miete 
  • (Eigentumsbeschaffung wird verschoben) 
  • Sanierung gewinnt an Bedeutung 
  • (statt Neuanschaffung, stärker gefördert als bisher)

Das Immobilienjahr 2023 beginnt (in der Steiermark) mit einer “Doppelmesse”, nämlich der “Häuslbauermesse” einer typischen Baufachmesse und parallel dazu der “Lebensraum”, bei der es vorwiegend um Immobilien und das entsprechende Marktumfeld geht. Termin: Donnerstag, 19. Jänner bis Sonntag, 22.Jänner.
 
Raiffeisen sieht sich als Markt- und Kompetenzführer im Geschäftsfeld Immobilien-Bauen-Wohnen-Finanzieren-Fördern-Bewerten. Daher  begleiten wir unsere über 800.000 (steirischen) Privat- und Firmenkunden mit höchst möglicher Expertise durch das Marktgeschehen.
 
Aus Marktveränderungen ergeben sich immer auch Chancen, besonders für gut Informierte. Unsere Experten können heute wertvolle Hinweise liefern, wie man das – zugegeben schwierige - Marktgeschehen auch in dieser Phase positiv für sich nutzen kann:
 
Vorstandsdirektor Rainer Stelzer zur Rolle von Raiffeisen im Geschäftsfeld Immobilien & Finanzierung, unsere Marktnähe, wie wir die KIM-Verordnung “mit Augenmass” handhaben und über die sinnvolle Nähe zwischen Raiffeisenbanken und Raiffeisen Immobilien Steiermark;
 
Senior Ökonom Matthias Reith, Raiffeisen Research, zu den  gesamtwirtschaftlichen Rahmenbedingungen, etwa zu einer Darstellung der Zinsentwicklung, der Inflation, der Arbeitsmarktdaten und welche Auswirkungen sich für den heimischen Immobilienmarkt ableiten lassen;
 
Andreas Glettler, GF Raiffeisen Immobilien, über speziell steirische Marktgegebenheiten. Zahlenmaterial zu Angebotsentwicklung und Preisprognosen (zB Marktschwerpunkt Großraum Graz = 2/3 des steirischen Marktes, Preisspitzen in Schladming und Graz-Petersbergen mit > 10.000,00 / m²), aber auch mit Hinweisen auf Marktchancen:
 
+ preisbewußt gekaufte Anlagewohnung mit niederen Betriebskosten kann gerade jetzt eine sehr gute Wertanlage sein, weil die Mietnachfrage hoch bleibt;
 
+ Betriebskosten stehen besonders im Fokus, weil Mieter:innen einen Gesamtbetrag für das Wohnen ztur Verfügung haben. Je niederer die BK, desto mehr kann für die Nettomiete aufgewendet werden;
 
+ Kompromissbereitschaft ist gefragt: “Adresshörigkeit” hinterfragen, gute Lage statt Top-Lage, Gebrauchtimmobilie statt Neubau, in Zimmern statt in m² denken, vorerst Miete statt Kauf andenken?
 
+ günstiger Zeitpunkt für den Immobilienverkauf gerade jetzt, weil die Preise vorerst nicht weiter steigen, es wird in absehbarer Zeit also nicht leichter zu verkaufen. Allerdings sollte man den richtigen Verkaufspreis auf Anhieb treffen, sonst hat man es mit einem “bleibenden Wert” zu tun... und besonders gefragt sind jetzt Interessent:innen mit gesicherter Finanzierung... 
 
Raiffeisen hat hier höchste Kompetenz und Expertise in 48 Raiffeisenbanken mit 222 Bankstellen und Wohntraum-Centern sowie 3.333 Kolleg:innen  in der Steiermark
 
Thomas Zehetleitner, Bereichsleiter in der RLB, über die richtige Finanzierungsstrategie bei der Wohnraum-Beschaffung, etwa zur Enscheidung ob Fix-, Mix- oder VariabelFinanzierung, mit dem Hinweis auf verbesserte Sanierungsförderungen oder zur Frage, ob Eigentumsbildung trotz der derzeitigen erschwerten Bedingungen nicht doch eine sinnvolle Maßnahme der Zukunftssicherung ist. 

Transkript

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2:42 the outside the market in this direction on the hamiltonian state some are beaten on sun and I can but you probably about sweaters and today I'm trying to game the situations and the other states. So on the air the at the world action seat in the shaped felt immobiling on financially consume. You are think that concussion very bugger because godmother for many said the immobiliate paradise Mark that really absolute some key and berech Bone strategy can't

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5:27 Econo then Senior Economist Fran Martius, right? Click of the disabling around a bit differently in history. So we saw and yeah, we'll take my beaten and then could complete. Yeah. So again so infrasion since retreately big light at Harman Khan as one toy a big bit light and it lets know Alice factor and the out of them immobilian marked the iron and our second home. We click off to this special coming to keep this device do it. I was going through.

6:08 Yeah against 416 Optimist most we didn't open language when I know winter. It's your only mind about it. We don't you forget there's a last year who's demon the winter. That's his own with the media. I was fine Iceman does not know for I need Moon up in a bathtub, but it was good. As you got cancer does httemators on an hour does condom to thermometer mid in this winter need I took teeth Indian Ocean of these. Yeah needed internet. Tour was almost and Connor to relis rulings.

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7:31 then ultimity materialism can also fasten the Abbott limousine highlighter. The bill economic tour owned the leader Albert's Mark doesn't outside business ownership in the platin immobilial blast NAFTA Finance clear the beat by supervisor in Elon unavonian daughter recently him out this year and it's as soon only collaboran and arids Mercury Even Matter meet in an upcoming and not feel highest team. Is that really actuality infertion? We have inhabs in infants give the right. However the abstract fund isn't Gible with an

8:12 lancsama won't shininger and that's fedorated. Next specialist applicants buddhismas volunteering component V. And again our nouns metal price also climate and done it happen and his owners couldn't public of the leading the toilet book and here is the helif. What's this right infants? Give first spider example infrontoon Norful. We can now Pizza to cool the digital example tea of counters Ewings in a deep price with guns feel like you're gonna Russian country

8:52 Abba the Lush up soon and beaten SWA that one. Let's end please and reader winter controllably. Okay now it is a lush out soon in the mid Commission. Zint is Our Moment hand in Jackson came with food and immobilian Market dashed. We have me outside science. Again. It's entire magazine. The two longer does not. I'm not a teeth. Then were temporary routine this guy not you done about in snails and craft Force since a home circus in the organic matter. So human position that we haven't seenowned angulitis. These are elements of matter since a long circulars inside

9:34 traffic in throughout the two yards Midtown indefinite and argument done and light since we both want at the fear percent about it. This is an iron transformative time. The most mentioned decent Seattle has an act. So again in English There's ever the end. Yeah since a human that since her Punk that about immediately. It's a b gate from Sprint some Marathon Uber but it's gizant the yards fancy Eastman and a claristic team free friends and then gay politics today doesn't find such a good rate doesn't trans yard is starting care politician King vendors.

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13:31 threat and basically a point is the steamera the lies packet for Army young mentioned. You see inventional problem pockets and reached on top eleons quote. What they mention your talk to innocence is it's important either otherwise advancing potential opinion certain that is not too late in the high taking faster in Suma that I Etc shouldn't of supreme active. Yes doesn't try so be vegan as soon as assisting the facariation moving American tradition financier and dark last package human mention inclusive as far along famous those things of the eggplant Evo

14:13 via what we have seen that's a Sienna truly have as an act by someone came with the um outfit area from the financing every billion to become one and some trash can be ready to Johnson. Is this the attitudinal key Hostname obedient Colston DS and I guess that's a bad trained as in Sumer Easters of the Mariners to feel. But thank about food is that if it

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15:36 safety in an outside this books. Image like in the calf, but I say we're remarkable Lumina NOK metal transaction and he's a golden a hemobilian Epic film East for us time Art. Thank you friends. plus size Gooden actually via story and need of any mobiliences who Yeah, we are telling mankowitz had once he had to Denmark not really need my school. The market see frame that this helped to

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16:58 nose and swamia constant fact. Yes, that's fancy. So yeah and Shout. The guy that wasn't from Honda Accord side in the Shire market and people this is a blues from now in fiatric potent. That encount students come from that nine seconds and Bluestone sequence. How can I just went victims are in familian who is a thousand six hundred artsy young people and lose control and he meet NAFTA based later.

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19:01 Of annoyed about take a project about can be a kind of recently in presidential. Murky have I said like the anshi and swallow's organ concern? How much they are dancing to the lifetime for future. Of human have beaten their capacity. Down smoothie had simply the year. He came to report later. That English preached other things does about they get the routine here. It says who could contr. And there is now

19:42 the city long Coast now in that in the in about commercial directly with them. The test df19 television see how skating so about and Via Bend and you're keeping page day. Hashtag win the steel other things need to Object tells them look so segment the highest fear object 13 absolute black and people about quality. It came and saw him projecting that he continuc page

20:28 page visit in schlot mean since we're here. Where is it too close? Hey, keep going on and seeing yeah and segment. There's two house from these over here. House of Oregon and combed wealthy human hair Health into the center of the corner, but I say employment. I've done a thief with a good day capable of one and Finland agency market is a market situation and beaten year a woman some cow fund.

21:09 The test the HD gonna answer the unputed interest rate decision. To them. We are how guns pushed him back in the city into my phone here and liashian woman does the it leaps on the heart, of course Niche mirror volanteed pregnancy. in the midday and guns under this built he meets nafca life to Thus take note this case something tournament share market and talking cards.

21:52 Keep guys a blame in the meat that for us who movie have also beans here getting pretty better than Won't run deepen. We hadn't worked with thought knocked to a naftasen will be drips caused from the arduous Coast in Excel pedanticism. This has Voyage not obviation whose suppressor you need Ensure and something meter by technician and facts then we just see thank you sound press in in this year trainee bus and family that if you look income,

22:33 By Good Housekeeping meet objection. Same here even price. This is out by the hand put there on keeping it. A little yeah, he has linked down 33 Uber applicable might be common harm. Then the other National in the next November and pieces instead alkane and and what version instead and voltage in hand, um States of America relative Stark or someone more merciful. That's had the York Islandia China or the woman body will finish the artificial

23:15 movement in there in voltage must come see these 60 states in the organ via from English. also the Magnificent Rome called egalitative thought was easily Towers the ATP since political election is gonna be a sexy myare if Nancy architecture since politics beltia and for India say it needs Kim after it seems in case so negative situation

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25:17 autumndale to hit enter and your tea. That's an Al Bank not the office in the bank. I'm going to see if you're using them because of the fmr I bet that Brad said she really young on NFL THC into Community. He's a king for that. No, I'm pretty sure that's very yeah class if Yeti comes to yield we have contact me what the richest with an awkward we just

25:57 Software here how to see how cities if it were not on this training field. It seems best if you happen shown our argument here for the banking set here. Does this a key forward don't you know CIA shaft isn't this consequisition mancinique pay influencing content Dove Cameron Abba and talk to number two and tuna speed and few room egley soldiers in favor 2016 in August 12. He came to fade once you get home and we are

26:39 there are two things fast. It is indeed. So so extended in the comments geometries and staggered and buckles won't take him but This wasn't his management disability. Oh. Computing contact Don't miss a summarization does TV from Thomas seed that the four Angus coconut swish infinite unless and there was only Steve egg field this as became the phone us doesn't patal, you know, you no notifications the

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28:00 thing existy and salt was there any other people Have a weekly Lobby option and if a based on East over there is to understand Super Tank Equity is Uber application that we saw isn't as Aggregates and sooner form gay comment about them at the first date on the mother of performance said Apple officially. So we see this it's a clear thumb. This is even a message for two guitar tuners under him said don't answer plan. Well is that really is such a English owned? As is a duplicates of glass is currency HD deening DNA immobilapy rights harm on such

28:40 for growth on board is I get small town saying it take them does this less but it's one of the second language is a in the Hunger keeps better and then battery immobilia. Are there only 14 she had like the front door of Monty outside. They must see it's a super late. They're my best. Okay, it's good for multican and I'm in Anam fatal in them. Go off musi hits of passengers for like the actual owned. Yeah, but thank you for today. They can feeling games if you're knife or take your own superstition.

29:20 Yeah, I send again contact. Yeah, it feels like normal activity clean. Its recovery talk more than in alamunda is yes until she didn't application make the and team king English version of the song and article even as my society and tough. I've been with traffic on because in the English Chef did take and and I think virus Abba not really very unto Spider-Man Infinity Photoshop that doesn't act haven't we at the at the career who produces yet the light since the Reds as well

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30:42 she is. In fact one is a Ciara Thomas has seen four and basic world and aging little in relation to the infinity was our emotion record not even has a social and certain things quote them while Emma saw to Sean. They are only if yes a little Des Moines NATO and Commons certificate who is saying yeah, um avocadism Factor the last Buckhead in first of our common. So yeah lame of tomorrow, they can come back into contact if I was thinking when I Uncle Tom dancing it was Captain yet many

31:23 second status talking about Octavia keeps technical article contrary as he's only Fairless film 565. That is Seattle's and comments. Thus is Agony and if a nymph they definitely Delights Place. Yeah as a decent right Mexican teacher Tycoon Dragon Health as a egg. Beetle answers pan to act that after security partner here maximize only fair at Little there's more than that time comments is only if we have something and seeings for women physician slice, but I can't say he and him that's the truth be sexy as long and comments Easton normalcy as a good Oriental to autism also as contagious was again a mid capable team

32:03 fiatma and Magoo. When is my soul from the entire? Yeah often. Last-minute smart Consulting from that since Pinto here to keep this family Canton after innocent energy in written fixer 14th. Anna said I never happened since surveillance Renaissance are three tickets act organic Alto longer here. So only if he had some crack inside him. Yeah how much your battery 16 States and be big the your first first kitchen myself as one day weekly transform the processing and TV happen. How about the flag in Boston? It's

32:44 had some pixel whatever they are making for Speed on this is guns and Chad and to be within the egg and because he beats equal midnight. It's like an outfit of Interest like a healthy together after Finance Yung said and that's after and long side of the family and it's like a Currently here conservative critical Athen. Yeah air and unhing at this artich Babu because of the and said by the Phoenix Heron is a business or physical because there are

33:27 two respirators shrunk and it's insects in calves to name and be seen when this keeps middle of area code does magnificent therefore, please after speculative and tell another friend in the forgang I had to name them as a toast of them are saying lessons to be walking off the fan alongside the air concept of thief after financien said, he already come dancing for us then couldn't fix every antonym and dialysis. He came out of here for this since internal house named but yes write a generating as a angry field. We harmfulness that can negative Pokemon sent as a

34:08 hospital latest. In moment who are 14 to 1 happen yet. After Maria said as in the fixed oriente won't be exact. Our invaded is a scenes as indones physical the mouse cases with do you need to guess in a vaccine song centers financed actually important is on how the few opportunities that actually answer if you have to get it to work on those villain and Ham on testing that really can't switch very important to name and so on and because here this is ahead and since internal physical name.

34:50 That's the two then yes, the city came forward and test for multilitation financier and if you don't have it, that's a smoothie is this because I never answered yet so comment on So short sales the economy written then that is a is a disability for what I'm failed. That's real chat will be writing kernel. Yeah. Yeah, I didn't fight. Yeah because that was artificial in the app is written Hut is keep this organ and the house navigating contingent. Yeah, that's fine till

35:30 the end if I cover what moment on North decision financing problematic in cpect and common aim towards the imperative and also make content again. It does work have us hopefully done with our Marketplace at that country. Okay? Yeah, that's optimisticious and awesome politician cook us here with others just born on lies confidence. He Pakistan and sorted as a semester optimistic. He said listen coma Vietnam One in an episode anything that happened the investigatively done on time.

36:10 To be the two immobilian Market to recony Milton Andreas letlavagne Champion via estimated Angie Protestants of sinful fukbar also a seismic depressed against her technique to crpd the states him objective marketed to its own Financial. That's up. Okay, let's move this soup. That's the history list. simison large island Donation could this Anki putum made said fungiate

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37:30 on Campground yet, and it's a good sign. Waiting it now again demonstration. Let us what place we boost. But he start of does it rips coasters in focused in? This has the prequel and immobiliate the strictest needs newer and bigger something that really how ignudes the bleachibility of the love and the dreams on the Harkins coast and concentrated. Immobilian Terminator in argument

38:12 and our immatristicating software any comes into charm of eating an outside and I think Tombstone team. Yeah. It's very thousand hundred thousand local hosted hot hosted image obedient Place Intex indeed from the unpe yet said it's very hundred Arctic thousand level three game obedient Farm logon is any that we have to fish tanks performance of Thank you and assessed and few

38:52 potential require him object and a good decision Zone democratus was definitive on demand organic of Denmark that happened in om d*** said that's why I deleted Pistons from about us and it's the fight is a relative snail Alice King. okay, now that's Good materials right and perimeter house spoke for enemies and immobilent Too Close. You need an iterative something ahead with ungi Park when the 40 human fragments on peace and from that economician said they have also recommend this actually scenario often

39:33 hamishlymobilian Mark thought Yeah, this is actually fun and actually my position and of course Gangnam Style Spanish translation lock my eyes and Gunk. We're on the mission in gank. Who is that poked in Hidden

40:13 qataris foyers for yoga. Classiane Christ here for them. When Thai the price that that's who wouldn't even be in the next ending. Hope that's kindly king of it in fork for tires into tires in close quartile is four years. Come annoying would send look again. Musa is on the door closed the diva. Yeah feeling young of. Booster vacation won't immobile Market East damage to end the Gang. With the price here veteran Clements emerged in the evening inside and high blood is forever's gazingham Easter by owner not doing when the Susan niched I Swish and

40:55 stopped out of them. Keep fish to him. Yeah, let's yeah and Japanese it was 40 together transference. You can fiance Vantage muta art a price cooking Abba on the skill is to be tuning. This is langar all the teeth of a high school to an often Worcester location since then

41:36 this Naila on craft for like a common Iceman. That's not for I named yeah about it. How does Fuel in the spice. It is very often immobiling creatine right in the es9ana saved of an eagle of an advocent cattle bread. Now here most my business own act to replicating in English when he was our smartphone clarker buys a practice niched for News 13 immobilimact importance here and he willing coil fund PlayStation wind informed magnets in unnatural of containers and regularly young ice cut in physically something Talent limit here. And in fact of wooden Act of

42:16 woman on the ham of this particularly human ghost on November as an actor regulator inside anger problems highest annoy enough immobilian. It's a really good about this is Does I know nenant spell to answer in the Khalid Neymar inside in the teens Bend in between this kid rate this the moon athletic increditra and the definition. My life can only standing for cows. They Mobility consuming together. That is Yani servant

42:58 and it's working in this my and swim in an Angry Birds. I was like, I don't care about who are not finished only prize of an Langer and height for the tile fart Sushi King and his talfa street after damage Field House fundamental enough to fundamental and the boat. The demographics you're looking with food and Earth's radiation immobilia marked less dark east of a vital in 400 easterly backed fighter bexity before Kong Vex not really after the Darth and wound on like Society taking it totally getting other noibility cut up. And

43:38 we also designed for the balcony. Yes, like fatalities for others made up of knowledge. And even in fact here, I hooked as soon as I walk there. How can you make a woman Finance people sending Uber image Breaking Inside from this the other side? I don't translate it really neat Spruce and their lawyer about it kite for biking when guns Club the hanging tombs Viet. So alishan movie too. He's able to meet knock 15 for young and which diagnant person and as I want to truly how big and a jacket enough.

44:19 Meet a woman to a meters highest the yarn up at Stranded by the nutriently in the integral. Would I implished and commit in between gazelle? I'm dead 2 of the transition Transit capabilities is with tendency dying and neat and deepension the size of unlagen seats rout system at the attractivity from one immobilion. But an advised a price called tour in the glensity of Easter vacation will be marked East legally provide and Carter dooftable house plan. Okay Health sleeping tanks and papunta English States the

45:02 flag. Oh, yeah immobilian plan their offices that the United the two comes for us who Again Church, then this commonly listen to someone how to take these serious meter finances these synthetic and we can do not hit it sugar and its own. Thank you very much in the Telehealth in the family Infinity. We emulates me up. It's used by say

45:44 him, but he's irrelevant. That has in them in the projected vehicle hardships guitar common side come inside food and private. That's the immobiliate in this encounter who felt thoughts them deeper tightened state to confuse for us working at the Indians. Is that the this is a mechanical Serato some of us today dependency once look privately listen will be snow. Let us the the game East and that's on the principles that filiano you give

46:24 this feeling ugly cat don't and at accounts basically kid. He's the app. It's really independentality defense your own look at automatically. It's almost there for decency. I'm off this absolute scene driven Hospitality even here so that it has severed any gas also only of bad things being a volatility office speaker 7 is because under the Middle look at it too comfortable. So that's actually listen.

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55:21 someone scene would only outcome. And yet again the first king they can break out sinarian curated Usain about premienna Tunica as a ums and in a geek costume to optimism here here and his people are electron to bring in some time. I've heard on this video outcome spread Honda here that I saw this Au stickers for sale in a key dragon is already there 18. What about I can learn I tasks Vietnam today, even if any song tough and vineyke of like Tim ferrellism. It's like a shoe that

56:02 skip doesn't mean they even asked whether one more until even a on God's plan. I'm doing this even there as a thus no, it was only his as he has seen the moon and after meal that goes into him 2016 here here. Is saying this problem had inch break in the hand track on each break in the battle to become one. However, because here we have the Informer can scan stuck in our Frogger from them conso maintenance on the private Persona here optimironment in richtons and the key coast and Society. Visitors outcome with the egg and

56:44 meetings is a nerong coastline. So Susan the immobilia, then he has cry for any more pillar angreporting the ComEd Target tomorrow. The allegations need so good officialis is to aspirated to certain place is okay, but it's a neurons constantly Musa and perform team up team. Yeah, so I came obedient Market of initiates consumed via area as a human first of action that send house indicates and let's just have actin doesn't house to mean distance of an evolvocation electromobility. Yeah. So this

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58:06 for crying for too sorry. Okay, the price passed our the mission Mass dammitage range take most dimensional optic dimension in the up team bus select for enemy are not connect to and came over. Sam Houston law China of the lauvented lips caused Nene. Yank Quieter meter recent car had some won't know

58:47 much later for certainly for Calvin Klein Abba. Not really the kunde Viet. This is an earliest constant deal into common Empires and thus far this is our lead counts know it is a it's a kindness the Spanish out in the f****** and so be a great and about they know far in this Hunters took Jewish they own and damn it. That's so cute. Austin Arctica young DNA that say he is here related the steel,

59:27 right? That is not close. component Mm-hmm. That's had great plots. Can I just need loans he off does this member gets from not price now class rain from Horizon. Just an African glomcee. Does it sooner on the Oxford International? priceless also each pinch on the menu. This is

1:00:07 often enough like it came yet the hunter City King validates class and put any opinion. Tell me. I'm so first okay here at the Hop Trevor is the last Buckhead or just keep quiet that it's in Boost from Turin in house lessons actually heading for us to share. of the price sensibility with that in the truly still working with the negative two stunt team will be here to the

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1:10:34 immobilians who have a calf, but if you don't put defendant Iran all that really does the statistics within my ACT is he does men and partner who is a Galaxy and share them weekly Humane some patient this could deal with on our own affiliate the field to the evilia. So he seen like positive away. Most of them need of Tim Devoe we murdered a piece for my transatlantic has been done Mankind song

1:11:14 The occurred on positive in this it said the Transformers home plating repeat the Charleston repeated people in the Olympics gave him and folkner Tyrone D montessor and get on with the impartum understand mark on top 100 cancer history. they've hormones but you know betancy took his scene had bones and user in an usern IT permanent fear podium's case can be done in the city sidekick from the harm by the Target reason to send on reaffirm born in Anoka and I'm sure not but since there's an insurance

1:11:55 with the same it is in.

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