Property & Housing

Mortgage calculator Germany

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

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Related guide: Buying property in Germany – financing, closing costs, rental yield and property tax

Examples

Typical calculations

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

condominium

Monthly rate: €1,522.50

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500,000 euros purchase price, higher repayment.

Single family home

Monthly rate: €2,193.75

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Little equity significantly increases the need for loans.

Scarce equity

Monthly rate: €2,376.00

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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.

How much equity should I contribute?

As a rule of thumb, you should at least cover the additional purchase costs and ideally an additional 10 to 20 percent of the purchase price from equity. More equity reduces the loan requirement and usually also the interest rate.

What is the difference between debit interest and effective annual interest rate?

The borrowing interest is the pure loan interest. The effective annual interest rate also includes costs such as commitment interest and is therefore more meaningful for comparing offers.

What effect does the length of the fixed interest rate have?

A long fixed interest rate secures your interest rate for several years and protects against rising interest rates. Banks usually charge a small interest surcharge for this.

What happens after the fixed interest rate ends?

For the remaining debt, you need follow-up financing under the then valid conditions. A higher initial repayment reduces this remaining debt and thus your interest rate risk.

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Sources and notes

Rule status and context

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