Property & Housing

Construction financing calculator

You can see at a glance how the purchase price, equity, interest and repayment shape your financing.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

Back to category: Property & Housing

Calculator

Reset Load example

Calculation path

Step by step

  1. Additional purchasing costs

    Formula: Purchase price × additional cost ratio

    Result: €35,000.00

  2. Loan requirements

    Formula: Purchase price + additional costs - equity

    Result: €315,000.00

  3. Monthly rate

    Formula: Loan × (interest + repayment) / 12

    Result: €1,522.50

  4. Remaining debt after fixed interest rates

    Formula: Result of the simplified repayment plan

    Result: €238,503.59

Instructions

How to use this calculator correctly

Input

  • Enter the purchase price, equity and additional purchase costs.
  • Add interest rate, repayment and fixed interest rates.

Read the result

  • The monthly rate shows your current load.
  • The remaining debt is important for follow-up financing.

What to keep in mind

  • Also check special repayments, funding and the amount of your reserves.

Related guide: Understanding property purchasing with financing, additional costs and property taxes

Examples

Typical calculations

350,000 euros purchase price, 70,000 euros equity.

condominium

Monthly rate: €1,522.50

Load this example

500,000 euros purchase price, higher repayment.

Single family home

Monthly rate: €2,193.75

Load this example

Little equity significantly increases the need for loans.

Scarce equity

Monthly rate: €2,376.00

Load this example

FAQ

Frequently asked questions

What does initial repayment mean?

The initial repayment is the part of your annual payment that directly reduces the remaining debt at the beginning.

Why is the remaining debt often still high after ten years?

Because with classic annuity loans, a large part of the installment is initially made up of interest.

What additional costs are typical?

Real estate transfer tax, notary, land register and, if necessary, brokers together are often around 9 to 12 percent.

Does a higher repayment make sense?

Often yes. A higher repayment reduces the remaining debt and shortens the overall term.

Does the calculator replace a bank offer?

No. Only the specific offer from your bank counts for binding financing.

Related calculators

Continue seamlessly

Property tax calculator

Calculate property tax according to the federal model roughly from the property tax value, measurement number and assessment rate.

Sources and notes

Rule status and context

Formula
Monthly installment = loan × (debit interest + repayment) / 12; Remaining debt according to a simplified repayment plan.