1️⃣ Liquidity

A 90–120 sqm apartment:

• Appeals to couples

• Families

• Investors

• Mortgage buyers

A €900,000+ detached house:

• Has a much narrower buyer pool

• Is rarely purchased with high leverage

• Requires a very specific buyer profile

In a stressed market,
detached houses tend to freeze first.

Capital concentration increases risk.

2️⃣ Maintenance Cost

A detached house means:

• Roof

• Full building insulation

• Plumbing for the entire structure

• Garden

• Perimeter fencing

• External areas

All costs are exclusively yours.

Over 15–20 years,
the difference in maintenance expenses compared to an apartment can be substantial.

In an apartment:

• Major costs are shared

• Infrastructure is collective

• Unexpected expenses are distributed

3️⃣ Security

This is often underestimated.

A detached house:

• Has multiple access points

• Is more exposed

• Requires independent security systems

Even in good areas,
physical isolation can work against you.

In an apartment building:

• There is natural presence of neighbors

• A controlled shared entrance

• Passive security through proximity

Collective living often increases both perceived and actual safety.

4️⃣ Capital Concentration

A €1,000,000 detached house = full capital in one asset.

Two €500,000 apartments:

• Diversification

• Two demand pools

• Two potential income streams

Concentration increases volatility.

5️⃣ Future Demand Trends

The market evolves:

• Smaller households

• Higher energy costs

• Less available time for maintenance

Large detached houses are not always the most flexible product for future demand.

The “dream” is not automatically timeless.

The Hybrid Solution

There is a strategic middle ground:

Ground-floor apartment

With a private garden

Possibly with a small private pool

This option combines:

• Privacy

• Outdoor living

• Sense of independence

• Shared building security

• Shared structural expenses

• Stronger liquidity

You avoid the full exposure of a detached house,
without sacrificing lifestyle.

It is a balanced approach.

The Real Question

Is a detached house a lifestyle decision — or an investment one?

If you plan to live there for 20 years,
emotional value may outweigh financial considerations.

But if you think strategically, you must consider:

• Liquidity

• Security

• Capital concentration

• Long-term operating cost

Conclusion

A detached house is not wrong.

An apartment is not superior.

But the hybrid option — a ground-floor unit with private outdoor space in a small, quality building — often offers the best balance between:

• Privacy

• Security

• Cost efficiency

• Liquidity

The right choice is not ideological.

It is strategic.

The Role of Poli Real Estate

At Poli Real Estate, recommendations are not based on preferences.

They are based on:

• Capital profile

• Time horizon

• Risk tolerance

• Life objectives

Because a property can be beautiful —
and still not be right for you.

👉 Speak with Poli Real Estate to evaluate which structure truly fits your long-term strategy.