Can you live permanently on a houseboat

Buy a houseboat with a plan - the 10 houseboats

Do you want to buy a houseboat? Come aboard!

Here you will find out everything you need to know and how to become the captain of your own houseboat. Cast off!

Imagine: A pair of swans glides majestically past your bed. The early morning mist creeps over the surface of the water and the waves lap gently against the boat.

Anyone who starts the day like this goes on vacation on a houseboat or is the owner of one.

The demand for houseboats is great. More and more Germans are wondering how this dream can be realized. However, there are some shallows to circumnavigate before buying a houseboat.

We will guide you safely through the whitewater on offer and to an idyllic mooring.

Commandment 1: Know what you want to do on the water before buying a houseboat!

If you want to buy a houseboat, you will not find your way around a sea of ​​terms.

Floating house, floating residence, floating home or living ship - it is difficult to find the right course here.

Every manufacturer calls their boats differently. There is no uniform standard.

Practical and also legal, however, do exist only two categories: House boats and floating houses.

What are houseboats?

House boats are equipped with their own motor.

They can be up to 24 m long and have CE approval (classification of seaworthiness according to wind strength, waves and swimming ability).

Furthermore, according to the European Parliament, these can be classified as Pleasure craft be guided. Unfortunately, nothing works without this sport boat approval.

What are floating houses?

Have floating houses no motorization.

They are for one fixed berth constructed, built on pontoons and firmly anchored at the desired berth. To get there, it can be towed by another boat.

Some manufacturers offer one to potential buyers Try living at. A good opportunity, especially for families, to try out the special, but spatially reduced area of ​​life for themselves. As a rule, however, floating houses offer a lot more space than houseboats.

Models from 60 square meters are standard for most manufacturers. But of course, individual types, construction methods, sizes, equipment and quality are possible and feasible.

2nd commandment: If you want to travel with your purchased houseboat, you should know the regional conditions!

Should the houseboat be used for full-fledged living or as a weekend house?

If you want to travel with your houseboat, you have to Berths on the route and inquire about free capacities beforehand.

It is also important to familiarize yourself with the Swell to deal with. Because the challenges that each area presents are very different: You can sail in and around Berlin in a relaxed manner.

Anyone who drives out on Germany's most frequently used waterway in Düsseldorf is confronted with a current of 7 km / h and waves over 1 meter. This is a much greater challenge that requires completely different skills from the skipper and the houseboat.

The area is also important for the possible dimensions of the houseboat. With a width of more than 5 meters you won't fit through them Locks in the Berlin area.

The decision for or against a life on the water has many consequences and should therefore only be made after intensive research - and if possible a longer test phase.

3rd commandment: If you buy a houseboat, you also need a berth!

The basic requirement to even get a berth and berth in the usual marinas is, as I said, this Recreational craft certificationif you want to buy a houseboat.

However, a right to a place cannot be derived from this. No port is obliged to take a boat. The type of houseboat often plays a major role. The more valuable your houseboat is designed as a professional sport boat, the better the chances of getting a place in the harbor.

If you want to buy a floating house or a houseboat, you should be aware of the pitfalls of getting a berth. But no fear! What has long been normal in Holland is now possible in more and more cities and regions in Germany, too, thanks to the steadily increasing demand: more and more berths are being released - also in and around large cities.

Pioneers with more and more berths are:

  • Berlin
  • Hamburg
  • Dusseldorf
  • the Baltic Sea region
  • Mecklenburg-Western Pomerania
  • and to some lakes in northern Germany

4th commandment: You should think about the financing of your houseboat!

Whoever wants to buy a houseboat is from 100,000 euros with it. Depending on the equipment and model, the new price moves slightly towards 300,000 euros. As always, there are no upper limits.

However, the banks are more difficult to give loans to people who want to buy a houseboat, since they are movable assets whose value retention is more affected by the weather. The performance is more difficult for banks to assess and to secure the loan Land register entry does not exist.

With banks that specialize in the financing of ships and boats, you have a higher chance of success in obtaining a loan. Basically, houseboats as leisure objects are rated worse than commercial objects and the utilization plays just as big a role as the decline in value, which can be very different.

The article “Financing houseboats” provides more detailed information about financing.

5th Commandment: You should think of all costs before buying a houseboat!

After buying a new, roughly 15-meter boat, you can use your thumb 750 euros in monthly costs calculate for berth, minor repairs, electricity, drinking water supply and insurance.

Used and therefore older boats have an even higher maintenance factor - that must also be considered. The same applies of course: the bigger the boat, the higher the running costs. Also the Berth fees can vary greatly and vary between 2,000 and 8,000 euros per year, depending on the region. This thumb calculation is therefore only to be understood as a rough average.

A calculation example: In Hamburg, a berth for a floating home with 115 square meters costs around 1000 euros a year. Liability insurance with integrated internal insurance and comprehensive river insurance are recommended, as flotsam or another boat can quickly cause considerable damage.

The annual costs are between: 1000 - 2000 euros. Electricity costs are comparable to those of a permanent house on land if the floating ship is developed conservatively. Photovoltaic or water treatment systems can make the floating house self-sufficient.

The development costs are also not to be underestimated. Another 40,000 euros can easily be due - depending on the length of the supply and disposal lines and depending on whether several couchettes can share the supply.

6th commandment: You should check which place you bind yourself to!

Top location ahead! An old realtor adage says that the value of a property is measured primarily by its location. This also or even particularly applies to the location on the water.

The idyllic berths or central locations are in great demand and can add value. Usually these places are "only" leased. This can have a major impact on the resale price of houseboats.


7th commandment: You should buy a houseboat to save!

Anyone who wants to earn money with their houseboat above all needs a good business concept. Here you can in many places save taxes.

A houseboat can become a real tax-saving model through professional rental as a holiday complex or event location.

It can be copied as mobile asset and the interest on the acquisition cost can also be deducted for tax purposes. Further savings when buying a houseboat result from the fact that There are no notary or court fees. Also have to no real estate transfer tax and legal fees to be paid.

8th commandment: You shouldn't always buy a houseboat, renting it can also make sense!

If you don't buy a houseboat but rent it, you have to calculate other costs: a fully equipped houseboat costs between 100 and 400 euros per night.

In addition, there is a berth rental from 20 euros per night if you are sailing around.

9th commandment: You should be allowed to call your boat your home!

A houseboat may not be an official residence, one thinks. However, this is a common one myth.

In fact, moving to the boat has been possible for years. And since November 1, 2015, one can also do a regular job in Germany Boat as a residence be registered.

The home port is then used as the registration address. The mail for you does not arrive directly on the houseboat, but is usually sent directly to the marina and from there distributed to the boats.

10. Commandment: You should feel safe!

More can happen on a boat than on land. It is therefore advisable to take out one or the other insurance more than perhaps a "normal" homeowner.

This minimizes the risk, but of course also maximizes the running costs. Nevertheless, we recommend the following insurance policies:

  • Houseboat liability
  • Houseboat insurance
  • accident
  • Legal protection
  • Trailer insurance
  • River hull
  • Driver accident protection
  • Passenger accident insurance

Did the article help you? Are there any unanswered questions about buying a houseboat?

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