Mortgage calculator Germany
Eight free calculators for planning — from a one-minute feasibility check to the repayment schedule. You enter your own figures; the calculators provide initial guidance. Concrete terms arise in personal consultation.
How much equity do I need for the purchase costs — and what if it's not enough?
Plan for 8 to 15 percent of the purchase price, depending on the federal state and whether an agent is involved — banks as a rule do not finance this amount. If your equity falls short, a Modernisierungskredit (unsecured personal loan) often covers the gap: without a land registry entry, it can be used for purchase costs too, not just modernization. Sequencing matters here: lenders assess the Modernisierungskredit as a separate monthly instalment alongside your mortgage application, not afterwards — both payments together must remain affordable, which lowers the maximum mortgage amount available for the purchase itself. If even a personal loan isn't enough, the remaining options are a subordinated loan from family, renegotiating the purchase price down, or postponing the purchase until you have built up more equity through follow-up financing. Which route works best depends on household income and any existing credit commitments — we review both with you before you commit to a property. Use the budget calculator to see what total instalment is realistic for you.
Choose your calculator
Financing traffic light
5 questions on residence, equity, income, credit record and intended use — a rough green/amber/red read and the lever that helps most.
Financing traffic light →Compare renovation loans
Real offers from several banks for renovation or modernisation work — no land registry entry required.
Compare renovation loans →KfW funding check
5 questions on project type, use, children, income and prior property — which of the 8 KfW programmes are generally in reach.
KfW funding check →KfW 308 individual-measures check
4 questions on windows, façade, roof and heating — which renovation under "Jung kauft Alt" is still open under EnEV 2001 grandfathering.
KfW 308 individual-measures check →Purchase cost calculator
Real estate transfer tax by federal state plus notary, land register and agent — the amount you need on top of the purchase price as equity.
Purchase cost calculator →Budget calculator
How much property is realistic? Estimate the possible loan and purchase-price range from your equity and desired monthly payment.
Budget calculator →Rental yield calculator
Gross and net rental yield of a let property — including purchase costs and non-recoverable expenses.
Rental yield calculator →Repayment calculator
Monthly payment, interest cost and remaining debt over the fixed-rate period — year by year, optionally with extra repayments.
Repayment calculator →Break-even rate calculator
10 or 15 years fixed — the follow-up rate at which the longer period pays off.
Break-even rate calculator →Prepayment penalty
A rough estimate of the penalty for repaying a loan early within the fixed-rate period.
Prepayment penalty →All calculators work with your own inputs and provide non-binding guidance — not a financing commitment. Concrete terms depend on your credit standing, the loan-to-value ratio and the bank, and arise only in personal consultation.
Run them in this order — or the numbers will mislead you
Most people start with the monthly payment. That is the wrong end. The payment is rarely what stops a German property purchase; the cash you need on the table before completion is. Purchase costs — land transfer tax, notary, land registry, and often an agent's fee — sit on top of the purchase price and are almost never financed by a German bank. They come out of your own funds.
That matters more for internationally mobile buyers than for anyone else, because the land transfer tax alone varies from 3.5 % to 6.5 % depending on the federal state. On a €400,000 property that is a five-figure swing for exactly the same house.
- Purchase costs first. This tells you what your equity must cover before a single euro goes towards the price.
- Then the budget. Only now does a price range mean anything.
- Then the amortisation schedule. Watch the residual debt at the end of the fixed-rate period, not the opening payment. In Germany the interest rate is fixed for a defined term (commonly 10 years) and the loan is not repaid by then — what remains has to be refinanced. That figure decides whether a follow-on loan is available to you later, particularly if you have moved abroad in the meantime.
- Rental yield if you are buying to let — it answers a different question: not "can I pay for this", but "does the property carry itself".
- Early repayment charge only if an existing loan is to be settled before the fixed term ends.
What no calculator knows about you
Every figure below comes from your own input. Three things that decide your financing are invisible to the tool:
- Your credit profile. The rate you type in is an assumption. The rate you are offered depends on income type, contract length, Schufa history and the loan-to-value ratio. A fixed-term employment contract, a probation period, self-employment or a residence permit with an expiry date all move that rate — or remove the bank entirely.
- Your residency and currency. If you are tax-resident outside Germany, or paid in a currency other than the euro, the number of banks willing to lend collapses. This is not a pricing question but a legal one — see the conversion right under § 503 BGB.
- The property. German banks lend against the mortgage lending value, not the price. Where the two diverge, the gap becomes additional equity you must provide — and it appears in no calculator.
Use these tools to size the problem and to spot false assumptions early. The step that follows — finding the lender whose rules actually fit your situation — is not arithmetic.
From the figure to the right bank
The calculators set the direction — I find the bank that fits your situation. Initial consultation free of charge; the bank pays the commission.
Keep this result — and the right documents
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, 7 pages) · Non-resident mortgage checklist (PDF, 8 pages) · KfW funding overview 2026 (PDF, 2 pages)