Do you have a small property investor in the stomach?

It is hard to reconcile with the SU-life, but it can be done.

Especially if you also have the courage to take on work gloves and get started with a renovation or maybe even an actual renovation of a dwelling.

Good rates and conditions

Most people associate real estate with large sums. If you need to buy a large factory building requires also some deposits. But with funding of bank in just about 60-70% is possible by about 100,000 also become the owner of real estate not far from the big cities.

Especially if you're willing to buy an apartment or a house that needs it, the estate agents call "a loving hand".

Do not drop out of the studio to renovate apartments, but you have the opportunity to spend your weekends and some days wisely through refurbishment.

Even if it takes a few months to put the property in proper condition, it may make sense if you can sell for example a hundred or two hundred thousand crowns of what you bought.

With a student loan of 3,000 kroner a month, it takes you just three years to gather almost 100,000 kroner together you can use for property investment at rates much better than you ever have in the bank. When you are finished your studies, you pay only 1% interest on your student loans right now - it's less than the Danish inflation on average!

What you can do with your purchase

You do not have to tear the walls down and start over if you buy an apartment or a small house and want to refurbish to sell more expensive.

You can also:

• renovate the kitchen
• install heat pump
• Grinding all floors
• Male and fair in
• Installing a new toilet and bath

The more needs to be done on the individual home, the longer and the more resources it requires - but the higher the selling price, you also get when you sell at the other end.

Team up with parents

To buy and renovate a home requires both capital and time. It is therefore a project, you can consider going along with, for example parents or fagudlærte friends about.

You can use each other's strengths - some come with capital, others come with craft skills, others with time to take down and paint a whole house.

You can read more about property and your options in the book 15PCT .

Alternative: Shares

Alternatively - if you do not want to run down all the time to paint and sanding - you have the opportunity to invest your student loans into shares.

The calculation makes sense.

For your student loan, you pay 4% while you study and 1% after you finish studying.

Stock markets rise on average 5-6% every year.

If you have the opportunity to take a few bad years without pulling your money out of the stock market, you can then enjoy the large increase in value. History shows that stocks always increases with time and it is therefore just to be in sufficiently long time.

In real return you'll probably get more in less time with real estate investment, but it also requires more of your time to conduct your investments.

With stocks, you better sit back in the chair and wait for the shares has risen sufficiently much, you can pull them out and enjoy a nice return on the funds.