German Mortgage Calculator

This German Mortgage calculator helps you understand how fast you should pay back your mortgage. One of the key decisions for your mortgage is choosing how quickly to repay your mortgage

This German mortgage calculator uses the realtime interest rates from 750 different German mortgage lenders.

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Borrowing €372,000 today at an interest rate of 2.83% and a repayment rate of 2.0% means paying €1,497 per month.

What are the purchase fees for a property in Berlin?

Real Estate Commission0,00%€0
Property Transfer Tax6,00%€24,000
Notary Fees2,00%€8,000
Property Price€400,000
Total purchase costs€432,000

How is my monthly rate calculated?

Loan amount€372,000
Annual interest cost2.83%€10,528
Annual repayment2.0%€7,440
Annual amount€17,968
Monthly rate€1,497
Fixation lengthMonthly rateInterest rate
5 Years1.522 €2,91 %

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10 Years1.497 €2,83 %

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15 Years1.587 €3,12 %

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20 Years1.652 €3,33 %

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25 Years1.674 €3,40 %

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30 Years1.699 €3,48 %

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When will I be done repaying my mortgage?

You would be done repaying in 31 years at age 61 and would have a loan balance of €286,121 after 10 years.

Created with Highcharts 9.3.2YearsLoan amount202520302035204020452050€0€50,000€100,000€150,000€200,000€250,000€300,000€350,000€400,000
Fixed until

Who is Hypofriend?

Hypofriend is a certified German mortgage broker. We're the first broker to combine technology and finance to ensure homebuyers get the right mortgage and a transparent process.

Together with our team of local mortgage experts, equipped with advanced tools, we aim to give you personal, tailored advice. You can use our online tools to get a better understanding for how mortgages in Germany work and together with your personal advisor apply to the right lender from 750 partner banks.

Three mortgage calculators to help you in the home loan process

  1. The first step in the mortgage process is to understand how much house it makes sense to buy in the rent or buy calculator.
  2. The second and related step is to see if and how much the banks are actually willing to lend to you for your dream home in our affordability calculator
  3. The third step is to use our optimal mortgage calculator that compares and recommends the best mortgage for your personal situation.

From mortgage calculator to mortgage in 5 steps

See what you can afford

See what you can afford Optional

We'll confirm your property budget based on your income and savings based on the criteria of 750 banks.

See what you can afford
Get free property suggestions

Get free property suggestions Optional

We'll ask you a few questions to match you to properties you can afford from all the different real estate websites in Germany.

See property suggestions
We'll find you the right mortgage product

We'll find you the right mortgage product Optional

Our intelligent recommendation engine will calculate the optimal mortgage decisions based on your personal circumstances like nobody else.

Find the right mortgage
Get a free 30min video call to understand your options

Get a free 30min video call to understand your options Optional

Your personal mortgage expert has access to advanced mortgage calculators to compare and calculate your optimal mortgage offers.

Talk to an expert
Submit all final information and documentation online

Submit all final information and documentation online Optional

In your secure, online account you'll be able to upload your personal, property and mortgage documents to get approved faster than traditional brokers.


Speak to an expert

This mortgage calculator is a first step to help you understand your mortgage options. Start by getting a personalized recommendation now.

How does the German mortgage calculator work?

How does the German mortgage calculator help me?

Are the results of the German mortgage calculator binding? How do I get a financing proposal?

What should I pay attention to when calculating the mortgage?

Does this German mortgage calculator guarantee I’ll receive a mortgage?

Are there additional purchase costs? Does the German mortgage calculator take them into account?

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How much equity do I need for a mortgage in Germany?

How much do I need to earn to get a mortgage in Germany?

What are the most important decisions in getting a mortgage in Germany?

How can Hypofriend help me get a mortgage in Germany?