Instandhaltungsrücklage

In English: Maintenance reserve

Money set aside for repairs such as a new roof or heating. For a house you save it yourself; for an apartment part of it is included in the Hausgeld. Common rules of thumb are 1–1.5% of the building's value per year, or €10–15 per m² – more for older buildings.

Where it comes up

All terms in the glossary
These are estimates to help you plan – not financial, tax or legal advice. They use German tax rules for 2026, assume steady returns and interest rates, and simplify where the page says so. Check the figures with your bank or a tax adviser before you decide.