Financing calculator for the property.

⚠️ Important Notice

This calculation is a sample only and does not constitute a binding offer. We accept no liability for the accuracy of the results. Interest rates shown are illustrative or reflect your manual input.

How to Use the Financing Calculator

Enter the purchase price, equity, and financing rates. The calculator immediately updates the financing overview.

How the Calculator Works

The calculator uses your inputs to show the financing calculation at a glance. Side costs are calculated automatically from land transfer tax, notary fees, and broker commission.

You can enter the following details:

• Purpose: e.g. property purchase, new build, follow-on financing
• Federal state (for ancillary cost calculation)
• Property value / purchase price
• Equity capital
• Land transfer tax (fixed 6.0%)
• Fixed interest period
• Nominal interest rate p.a.

For a quick start, you can use the pre-filled default values and adjust the fixed-rate period if needed:

• Repayment rate

What the Calculator Computes

After you enter the figures, the calculator immediately shows an overview of:

• Ancillary costs
• Remaining debt at the end of the fixed interest period
• Total loan term in years

Tip: The calculator generates a detailed amortization plan for the entire loan term, showing the interest and principal portions of each payment alongside the outstanding balance at every point in time. Try out different financing scenarios quickly and free of charge.

The Financing Process Step by Step

Using the purchase price, you can compare the financing scenario for your target property.

Start by calculating your budget. Enter the maximum monthly payment you can comfortably afford along with the equity you have available. The calculator will then show you the maximum loan size and the highest purchase price within your reach. A useful rule of thumb:

Buyers typically fund 20–30% of total property costs from their own resources.

With the purchase price in hand, you can test different interest rates, repayment rates, and fixed-rate periods. For a binding bank offer, contact a financing specialist promptly — a good adviser will compare offers from many lenders to find the best deal for you and will also check all available subsidies, such as KfW grants. We are happy to help with that.

After receiving a formal financing commitment from the bank, you sign the purchase contract at a notary appointment. The notary also registers the new owner and a land charge in the property register; the land charge serves as the lender's security for the loan.

With the disbursed loan, you transfer the agreed purchase price to the seller and settle all ancillary purchase costs at the same time. Most buyers finance their home with an annuity loan, which offers fixed interest during the fixed-rate period, constant monthly payments over many years, and excellent long-term financial predictability.

Ancillary Costs When Buying Property

Ancillary costs include property transfer tax, notary fees, land registry costs, and potentially an agent's commission. Buyers should generally budget between 10% and 15% of the purchase price for these costs. They are due at the time of purchase and cannot typically be financed as part of the mortgage.

How to Secure a Low Interest Rate

Your personal financial situation directly affects the interest rate you'll be offered. Lenders need confidence that you can repay the loan as agreed. Since property loans run for many years, they evaluate both your current and expected future financial position.

To qualify for the most favorable mortgage conditions, banks primarily consider:

• Income: level and reliability of earnings
• Ongoing expenses and liabilities
• Savings and financial reserves
• Assets and collateral

A strong, stable income improves your chances of better terms significantly. The higher your equity contribution — especially above 20% of the total cost — the lower the risk for the lender and the better the rate you can expect. A low loan-to-value ratio (LTV) also reduces your mortgage interest costs.

If you already own property, it can be used as additional collateral to secure more favorable interest conditions. Conversely, existing debts, maintenance obligations, or negative credit bureau (SCHUFA) entries can reduce your credit rating and lead to a risk premium on your rate.

A practical guideline: if your monthly loan repayment doesn't exceed 35% of your household income, your earnings are generally sufficient to service the loan.