Frequently asked questions

Yes. 30 free credits every month, no card needed. Pay only if you want more.

Yes. 30 credits a month, no card. An analysis costs 1 to 10 credits depending on depth. Try it on your first property. You'll see the whole report before you decide if you want to upgrade.

A few things. Room-by-room photo analysis to spot hidden issues. A legal check covering country-specific permits, liens and restrictions. A financial check showing real monthly costs and hidden fees. Location insights on commute, schools, noise and flood risk. Plus how it stacks up against similar listings nearby.

Paste the listing URL from any major property portal, or upload the photos and ownership documents. We read everything, apply the legal context for that country, and give you back a report on hidden risks, real monthly costs, and how the listing compares with others nearby. It takes minutes.

We read it. Photos tell us about condition, light and layout. Documents like title deeds, inspection reports and energy certificates show us the legal and financial side.

A survey is physical and focuses on construction. AiMYNDi is digital and covers everything else: the listing, the documents, the legal background, the financials, the area. That way you know whether the property is worth a survey before you spend the money.

A bostadsrätt is Sweden's version of a co-op apartment. You don't own the apartment itself. You own a share of the housing association (förening) that owns the building, plus the right to live in your unit. Monthly fees, planned renovations, and the förening's debt level matter as much as the apartment price.

Start with a few key numbers. Belåning per kvm (debt per square meter): as a rule of thumb, under 5,000 SEK is low and over 10,000 SEK is high. Then check the kassaflöde (cash flow) against planned renovations, and read the underhållsplan (maintenance plan). Upload the årsredovisning to AiMYNDi and we'll help you make sense of it.

A copropriété is the French version of a condo association. You own your apartment and a share of the building's common areas. The syndic (the manager) handles maintenance. The procès-verbal records the building work the owners have voted for. Your monthly charges depend on your tantièmes (your share of the building). Upload the règlement de copropriété and the latest AG minutes to AiMYNDi for a closer look.

The Diagnostic de Performance Énergétique grades a property's energy efficiency from A to G. F or G properties are nicknamed passoires thermiques (thermal sieves). France is phasing out the right to rent them: G-rated homes from 2025, F from 2028 and E from 2034. Their rental value is dropping fast as a result.

Erfpacht is a Dutch leasehold setup. You own the building but rent the land, usually from the municipality (Amsterdam is the best-known case), on a long lease. The annual canon (the rent) can reset every 50 years to current market value. That sometimes means a jump of 10 to 20 times the previous level. Always check the erfpacht expiry date and the canon before you put in an offer.

The Grundbuch is Germany's official land register. After the property description (Bestandsverzeichnis) come three sections. Abteilung I lists the owners. Abteilung II lists charges and restrictions, such as easements, rights of residence and pre-emption rights. Abteilung III lists mortgages and land charges (Grundschulden). Always get a current Grundbuchauszug (€10 to €20) before you sign. Upload it to AiMYNDi and we'll point out the entries that could affect resale value.

Grunderwerbsteuer is Germany's one-time property transfer tax. Each Bundesland sets its own rate, from 3.5% in Bavaria to 6.5% in Brandenburg, NRW, Saarland and Schleswig-Holstein. Most other states charge 5 to 6%. Add notary, Grundbuch and broker fees, and you're looking at 8 to 13% of the purchase price in total transaction costs.

ITP (Impuesto sobre Transmisiones Patrimoniales) is the one-time Spanish transfer tax on resale homes. It's usually 6 to 10% depending on the autonomous community, and up to 13% in the top brackets in Catalonia. IBI (Impuesto sobre Bienes Inmuebles) is the annual municipal property tax based on the cadastral value. Upload your property documents to AiMYNDi and we'll estimate IBI and ITP for any Spanish listing.

IMT (Imposto Municipal sobre Transmissões) is the Portuguese property transfer tax, paid once at purchase. Residents pay it on a sliding scale up to 7.5%; since Decreto-Lei 97/2026 non-residents pay a flat 7.5% with no exemption or reduction. IMI (Imposto Municipal sobre Imóveis) is the annual property tax, between 0.3 and 0.45% of the cadastral value. Use AiMYNDi to estimate both for any Portuguese listing, plus any AL (alojamento local) restrictions if you're planning to rent it out short term.

The Nota Simple is the official Spanish Land Registry document. It tells you who owns the property, what charges are sitting on it (mortgages, seizure orders, easements), and any restrictions. You can request one from the Registro de la Propiedad for about €9 plus VAT. Upload it to AiMYNDi and we'll explain the encumbrances in plain English.

Yes. Most EU countries let non-residents and non-EU citizens buy freely. Sweden has no restrictions. Spain wants an NIE (foreign tax ID). The Czech Republic bars farmland purchases by buyers from non-EU countries that don't let Czechs buy land there. Denmark requires a permit for anyone without Danish residence, though EU citizens can buy a home they will live in. Holiday homes there stay off-limits unless you have strong ties to Denmark. The AiMYNDi analysis includes the country-specific rules that apply to your purchase.

Sweden, Portugal, Spain and France have the lowest barriers: no residency requirements, mortgages for non-residents, and transparent processes. Greece and Cyprus offer Golden Visa programs. Germany and Switzerland are more complex.

Yes, with stricter terms. Expect 30 to 40% down (vs. 10 to 20% for residents), slightly higher rates, and proof of income from a recognized country. Banks in Spain, Portugal, France and Italy actively lend to EU non-residents. German banks often want local employment.

Purchase taxes are usually the same for residents and non-residents (Spain ITP/IVA, France droits de mutation, Germany Grunderwerbsteuer), but Portugal is now the exception: since Decreto-Lei 97/2026 a non-resident pays a flat 7.5% IMT with no relief. Annual property tax applies everywhere. Spain, Portugal and Italy also tax rental income differently depending on where the owner lives. AiMYNDi helps you work out which taxes apply to the property you're looking at.

It works with listings from most European markets. We've built in each country's legal rules, so you don't have to learn them yourself.

No. It works just as well for your home city. Most people who use AiMYNDi are buying close to where they already live.

Yes. Under Decreto-Lei 97/2026, a non-resident buying a home in Portugal pays a flat 7.5% IMT, with no exemptions or reductions, so reliefs like IMT Jovem no longer apply. Three exceptions restore the normal scale, including becoming tax resident within two years or renting the home out at a capped rent within six months. The refund isn't automatic: you have to apply for it within six months of qualifying.

Tell us what you're after: neighborhood, budget, must-haves, dealbreakers. We watch the listings for you, like a personal AI agent on duty. When a real match comes up, we send you a notification so you can analyze it before anyone else does.

Yes. Upload room photos and we generate before/after staged versions in the style you pick (Scandinavian, Mediterranean, modern). Use it to see what an empty apartment could become, or to picture how your own furniture would fit before you bid.

Apartment Faceoff puts two listings head to head: price per square meter, real monthly cost, legal risks, area scores, commute times, and what each one is hiding. Decide on the facts, not on which one has the better photos.

Notary fees, transfer taxes and annual property tax. Planned renovations the community has already voted on. Running costs tied to the energy rating, future maintenance levies, and country-specific charges that rarely make it into the listing. We estimate each one for the property you're looking at.

Check the legal side (liens, planning permits, lease length), the real finances (true monthly cost, planned community renovations, hidden taxes), the structure (moisture, mold, unpermitted extensions) and the area (commute, schools, noise, flood risk). We run the whole checklist for you in minutes.

Expect 6 to 12 weeks from accepted offer to keys, depending on the market. Sweden is the fastest at 4 to 6 weeks once you've signed. Germany is the slowest at 3 to 4 months because the Notar coordinates everything. Spain takes 8 to 10 weeks, France 8 to 12. We flag timeline risks when they're documented.

Most European markets want 10 to 20% of the purchase price. Sweden lowered its minimum from 15% to 10% in April 2026. Non-residents in Spain typically need 30 to 40%. In Germany, banks usually expect your savings to cover the transaction costs on top of the deposit. We help you estimate a realistic deposit and offer range for the listing you're looking at.

Book a survey once the seller has accepted your offer in principle, but before you sign the binding contract. Don't count on a cooling-off period after signing. France gives you 10 days, Denmark 6 working days and the Netherlands 3 days, but most countries give you none. We analyze every listing photo and any documents you upload, then help you decide whether a physical inspection is worth booking for this property.

Planning is mostly local, so start at the town hall. In Spain, ask the ayuntamiento for the property's urban-planning status. In Sweden, the kommun publishes the detaljplan. In France, the mairie holds the PLU. In Germany, the Bauamt keeps the Bebauungsplan and building files. Look out for unpermitted extensions, planned construction nearby, and zoning restrictions that could limit how you use the place.

Your uploads stay yours. We only use them to run your analysis, and we never sell or share them.

No. We work for the buyer, not the seller. No commissions. No conflicts of interest.

Yes. Paste a listing URL from a major property portal in any market we cover. We pull the description, photos, energy certificate and floor plan. Then we tell you what's risky on the legal side (charges on the title, community debts, planning), what the real monthly cost looks like compared to the asking price, and what the listing left out.

We're a small, founder-run team based in Europe. We earn no commissions. We don't sell leads. We don't take kickbacks from agents or developers. The free tier exists so you can test the analysis on a property you already know before you pay a cent.

A buyer's agent typically costs thousands of euros and gives you a person to call. AiMYNDi costs €0 to €25 per month and gives you a structured analysis in minutes. A lot of buyers use both: AiMYNDi to quickly screen out 90% of listings, an agent for the final few where local knowledge and negotiation matter.

A small founder-led team based in Europe, building for European buyers. We're independent. No real estate brand owns us. No portal pays us. Our roadmap comes from talking to real buyers across Sweden, Spain, France, Germany and the Netherlands.