- Should I buy or continue renting?
- Is now a good time to buy property for own use?
- What are the additional purchase costs when buying a real estate in Germany?
- How much can I afford or borrow?
- How can I increase what I can borrow?
- Can I get a credit loan to increase my affordability?
- Can I get a mortgage in Germany without equity?
- What is Baukindergeld and how can it help me?
- I'm a freelancer, am I eligible for a mortgage and how much?
- Should I borrow the maximum amount or should I save some equity?
- What’s the difference between buying for own use and buying to let?
- How do I know if the property valuation is fair?
- Should I get pre-approved for a mortgage?
- Can I get a mortgage for property outside Germany?
- What happens after my mortgage request gets approved?
- How does the KfW subsidy work with my mortgage?
- Can I include modernisation or renovation costs into the mortgage?
- How can I get pre-qualified?
- How is the monthly rate calculated?
- How quickly should I pay off my mortgage?
- What is Loan-to-value and why does my down payment matter?
- How to choose the right fixed interest period?
- Can I use extra repayments to repay my mortgage quicker?
- Are my mortgage payments tax deductible?
- What more should I consider before closing my mortgage?
- What should I know if I expect to sell my house within 10 years?
- What is my SCHUFA score?
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
- Annuity Loan
- Anschlussfinanzierung
- Baukindergeld
- Bausparvertrag
- Bauträger
- Beleihungsauslauf
- Beleihungswert
- Bereitstellungszinsen
- Sondertilgung
- Forward Darlehen
- Grundbuch
- Grundschuld
- Grundsteuer
- Haushaltsrechnung
- Kaufnebenkosten
- KfW Darlehen
- Laufzeit
- Restschuld
- Maklergebühr
- Monatsrate
- Immobilienfinanzierung
- Notarkosten
- Notar & Beurkundung
- Grunderwerbsteuer
- SCHUFA
- Selbstauskunft
- Tilgung
- Notwendige Unterlagen
- Volltilgerdarlehen
- Vorfälligkeitsentschädigung
- Zinsbindungsfrist
- Zinszahlungsdarlehen
Handy Definitions
Beleihungswert
(Collateral Value)
The collateral value or Beleihungswert represents the value that you can achieve when selling your property, at any time. This is estimated by the bank. The collateral value is based on the purchase value, but takes into account a possible safety discounts. Such discounts differ by bank. Therefore the actual interest rate a bank may offer to you may differ form the rate you might think would apply to you. More importantly, it may mean you need more money for a downpayment. An early consultation with your trusted mortgage advisor can save you many disappointments.
Looking for a mortgage?
Use Hypofriend's affordability calculator to see what you can afford based on your personal situation.
- Annuity Loan
- Anschlussfinanzierung
- Baukindergeld
- Bausparvertrag
- Bauträger
- Beleihungsauslauf
- Beleihungswert
- Bereitstellungszinsen
- Sondertilgung
- Forward Darlehen
- Grundbuch
- Grundschuld
- Grundsteuer
- Haushaltsrechnung
- Kaufnebenkosten
- KfW Darlehen
- Laufzeit
- Restschuld
- Maklergebühr
- Monatsrate
- Immobilienfinanzierung
- Notarkosten
- Notar & Beurkundung
- Grunderwerbsteuer
- SCHUFA
- Selbstauskunft
- Tilgung
- Notwendige Unterlagen
- Volltilgerdarlehen
- Vorfälligkeitsentschädigung
- Zinsbindungsfrist
- Zinszahlungsdarlehen
