German home loan calculator with KfW: what is the instalment from a bank loan and a KfW loan?
Enter the purchase price, your equity and the repayment rate and add a KfW loan if you like: this mortgage calculator in Germany shows the total monthly instalment, the split between bank and KfW, the interest cost and the remaining balance after ten years. The KfW loan runs as a separate tranche next to the bank loan, so the two instalments are added up.
How does the Germany home loan calculator combine a bank loan and a KfW loan?
This Germany loan calculator deducts your equity from the purchase price; the rest is the loan. A KfW loan runs as a separate tranche at its own rate, the remainder as a bank loan. Both are annuity loans, and the two instalments together are your monthly payment. The calculator also shows interest cost and the balance after ten years.
Above 70 % loan-to-value we price the rate case by case.
Please also enter the KfW rate — otherwise the KfW tranche is calculated without interest.
Repayment over time
A non-binding guide based on your own figures — not an offer and not a financing commitment. KfW terms apply on the day of approval. Actual terms depend on creditworthiness, property and loan-to-value.
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House loan calculator Germany: purchase price, equity, interest and KfW
The bank rate comes from our rate overview and is split according to your loan-to-value. The KfW tranche is optional.
Purchase price minus equity: how much does the bank have to finance? The calculator finances the purchase price less your equity.
The purchase costs — property transfer tax, notary, land registry and, where applicable, the estate agent — are not included: banks usually do not finance them, so they come on top from your own money.
How high they are in your federal state is shown by the purchase cost calculator; how much purchase price your preferred instalment can carry at all, by the budget calculator.
Combining a bank loan and a KfW loan: what does the second tranche change?
A KfW loan does not replace the bank financing, it adds to it.
The amount depends on the programme and the funding level — for a climate-friendly new build, for example, up to €100,000 per home without the QNG seal and up to €150,000 with it.
A repayment grant is only available for renovation (261); the new-build programmes 297/298 and 300 work through the rate alone.
Repayment-free start years and the instalment of the KfW tranche in detail are shown by the KfW repayment calculator; which programme fits in principle, by the KfW funding check.
Which interest rate is in the Germany home loan calculator?
The bank rate from our rate overview, fixed for ten years.
Up to a 50 % loan-to-value the lower rate applies; if your loan needs more than half of the purchase price, the second rate applies to the part above that, and the calculator splits the two. So the more equity you bring in, the less you pay. Above 70 % we price the rate case by case. The rate overview with a representative example is at mortgage rates Germany.
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A calculator gives you a number. A financing decision needs the right paperwork ready before you talk to a bank. We'll send you the checklist that matches your situation — free, no sales call attached.
Need the blank forms right now? Get them via a quick form: self-disclosure form (DE/EN) · net-worth statement (DE/EN).
Open the file directly — no form: Germany property financing checklist (PDF, 9 pages) · Non-resident mortgage checklist (PDF, 9 pages) · KfW funding overview 2026 (PDF, 4 pages)
House loan calculator Germany: which figures do you enter?
You enter the purchase price, your equity, the bank rate from our rate overview, the term and the initial repayment.
A KfW tranche is optional: you choose the programme, the KfW loan amount and the KfW rate. If you leave out the KfW rate, the KfW tranche is calculated without interest.
Frequently asked questions
Can I use this as an EMI calculator Germany for the monthly instalment?
Yes. The calculator shows the total monthly instalment and its split between bank loan and KfW loan. Both are annuity loans, where the instalment is the loan times the sum of interest rate and initial repayment, divided by twelve. It is a non-binding guide, not a financing commitment.
Which interest rate does the home loan calculator use?
The rates from our rate overview, fixed for ten years. Up to a 50 % loan-to-value the first rate applies, and the second rate applies to the part between 50 and 70 %; if your loan is more than 50 % of the purchase price, the calculator splits it. Above 70 % we price the rate case by case. The rate overview with a representative example is at mortgage rates Germany.
Are the purchase costs financed as well?
No, the calculator finances the purchase price minus your equity. Property transfer tax, notary, land registry and estate agent are usually paid from your own money — how much that is in each federal state is shown by the purchase cost calculator.
How does the calculator include a KfW loan?
As a separate tranche with its own rate. The KfW amount is deducted from the loan, the rest runs as a bank loan; both instalments together make up the monthly payment. A repayment grant is only available for renovation (KfW 261).
What does the remaining balance after 10 years mean?
It is the amount still outstanding after ten years, which is then refinanced at new terms. The higher the initial repayment, the smaller this amount — the mortgage amortization calculator shows it year by year.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
Mortgage amortization calculator
Instalment, interest cost and remaining balance year by year, with extra repayments.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.