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Ideal: 20–30% of the purchase price

€/month

For affordability (assumption: payment at most 35–40%)

Sets the real estate transfer tax

years

You can also drag the handle on the chart

%

From your offer. Default 3.78% = bank average July 2026 (Bundesbank)

More detailsFixed rate 10 yrs · no special repayment · broker 3.57% · no renovation
years

Your rate is fixed for this long; afterwards you need follow-up financing for the remaining debt.

€/year

Extra repayment at the end of each year – only as far as your contract allows it.

%

Buyer's share incl. VAT, 0% without a broker

€

Enter or drag a target payment – the purchase price adjusts

You finance €364,296 at 3.78% interest with 2.41% repayment and are debt-free after 25 years. Total interest: €199,378.

The payment is 38% of your net income of €5,000 – borderline. Plan for reserves.

€200,000€400,0000 yr10 yr20 yr30 yr40 yr
RepaidInterest paidRemaining debtDrag the handle to change the term. Payment and repayment rate adjust.
  1. 6 yr 9 moRepayment exceeds interest
  2. 15 yr 5 moHalf repaid
  3. 25 yrDebt-free

Financing

Purchase price
€400,000
Purchase costs
+ €44,296
Total cost
€444,296
Equity
− €80,000
Loan amount needed
€364,296

Purchase costs

Real estate transfer tax (6.5%)
€26,000
NotaryPurchase contract under GNotKG (notarisation, completion, supervision, 19% VAT); expenses of €30 assumed; without land charge
€2,838
Land registryTransfer of ownership and priority notice under GNotKG; without land charge
€1,178
Broker commission
€14,280
Total purchase costs
€44,296
Borrowing rate
3.78%
Remaining debt after 10 years fixed rate
€257,840
Initial repayment
2.41%
Loan-to-value
91.1%
Equity ratio
18%
Total interest
€199,378
Actual term
25 years

Where the money goes

  • Repaid€364,29660%
  • Interest paid€199,37833%
  • Purchase costs€44,2967%

What you can do

  • With €1,750.00 per month (35% of net income)

    you can finance a purchase price of up to about €377,500, all else being equal.

  • €20,000 more equity−€10,946 interest

    The payment drops to €1,775.76.

  • Debt-free in 20 years−€43,939 interest

    The payment rises to €2,165.56.

How this was calculated
Loan amount needed = €444,296 − €80,000 = €364,296
Monthly payment = €364,296 × (3.78% + 2.41%) ÷ 12 = €1,878.91

The borrowing rate comes from your input. The default is 3.78%, the average bank rate for new home loans with a 5–10 year fixed-rate period in July 2026 (Deutsche Bundesbank, MFI interest rate statistics) – not an offer. After the fixed-rate period the calculator continues with the same rate; follow-up financing may be more or less expensive.

Repayment is set so that the loan is fully repaid after 25 years (annuity, monthly payments).

Affordability (assumption, not a standard): up to 35% of household net income is considered affordable, up to 40% borderline. Notary and land registry fees are calculated for the purchase contract using fee table B of the GNotKG (Court and Notary Fees Act); the land charge for the loan costs extra.

Tip: 20–30% equity lowers the interest rate and makes the financing safer. Pay the purchase costs from your own funds if possible.

Mortgage Calculator by Rechnerzentrale(opens in a new tab)2026 values