Perini Finance & Property Mortgages in Germany · §34i GewO
Calculator · Purchase costs

Purchase cost calculator

Real estate transfer tax, notary, land register and agent come on top of the purchase price — and banks usually do not finance them. Work out how much equity you need to have ready.

Information

In Germany, purchase costs usually run between roughly 8% and 13% of the purchase price. The largest and most regionally variable item is the real estate transfer tax (Grunderwerbsteuer): it depends solely on the location of the property (not your residence) and ranges from 3.5% to 6.5% in 2026. Notary and land register together add around 2%, plus the agent's commission depending on region and split.

Purchase cost calculator

Your purchase costs — a quick estimate

Enter the purchase price and federal state; notary, land register and agent rates are pre-filled with typical values and adjustable.

Your purchase costs (indicative)
Transfer tax ()
Notary
Land register
Agent
Total purchase costs ()
Purchase price + costs

Non-binding guidance. Notary and land register costs vary with the deed and land-charge amount; the transfer tax rate is stored as of 2026. Purchase costs usually have to be paid from equity, as banks mostly do not finance them.

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Financing a let German property from abroad.

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FAQ

Frequently asked questions about purchase costs

Does the transfer tax depend on my residence or the property's location?
Solely on the property's location. Your residence, citizenship or workplace are irrelevant — the rate follows the federal state in which the property lies.
Can I finance the purchase costs?
Usually not: banks mostly finance only up to the property's mortgage lending value, not the incidental costs. These typically have to come from equity. In individual cases full financing including costs is possible — this depends heavily on credit standing and property.
Is the stored tax rate current?
The rates are stored as of 2026. Because the federal states set the rate themselves and change it occasionally, we verify the applicable rate before any concrete project.