Two mortgage examples: a listed property and 100 % purchase-price financing
Two model calculations from mortgage-broking practice: a listed building with KfW funding and 100 % purchase-price financing for borrowers with excellent creditworthiness. Terms are updated daily and depend on creditworthiness.
Listed building + KfW 261Listed building in Leipzig
| Position | Amount |
|---|---|
| Purchase price | 240,000 € |
| Equity | 40,000 € |
| Bank loan | 200,000 € |
| Fixed-rate period | 10 years |
| Interest | subject to creditworthiness |
| Repayment | 2 % initially |
Terms and conditions subject to creditworthiness. Please check whether this can be combined with a KfW loan.
The following link leads to a separate real-life case. It is not the continuation of this model calculation. A separate case: a listed flat as an investment (in German)
100 % of the purchase price · InvestmentPurchase-price financing that keeps your capital available
| Position | Amount |
|---|---|
| Purchase price | 320,000 € |
| Own funds | only the incidental purchase costs |
| Bank loan | 320,000 € |
| Loan-to-value ratio | 100 % |
| Requirement | Creditworthiness and rental income |
| Banks | specialised selection |
Leverage for top creditworthiness; not a substitute for missing equity. Net household income must cover the instalments.
If the purchase price is higher than the bank value →
Model calculations are provided for information purposes only. These do not constitute binding offers. Terms and conditions vary depending on creditworthiness, the property in question and the bank. This does not constitute tax or legal advice.
Responsible for this content: 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.
