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.

Borrowing 372.000 € today at an interest rate of 0,90 % and a repayment rate of 2,0 % means paying 899 € per month.

What are the purchase fees for a property in Berlin?

Real Estate Commission	0,00%	0 €
Property Transfer Tax	6,00%	24.000 €
Notary Fees	2,00%	8.000 €
Property Price		400.000 €
Total purchase costs		432.000 €

How is my monthly rate calculated?

Loan amount		372.000 €
Annual interest cost	0,90 %	3.348 €
Annual repayment	2,0 %	7.440 €
Annual amount		10.788 €
Monthly rate		899 €

Fixation length	Monthly rate	Interest rate
5 years	884 €	0,85 %	Verify eligibility
10 years	899 €	0,90 %	Verify eligibility
15 years	989 €	1,19 %	Verify eligibility
20 years	1.076 €	1,47 %	Verify eligibility
25 years	1.259 €	2,06 %	Verify eligibility
30 years	1.299 €	2,19 %	Verify eligibility

Get a free personalised mortgage recommendation

When will I be done repaying my mortgage?

You would be done repaying in 41 years at age 71 and would have a loan balance of 294.180 € after 10 years.

Fixed until

2030

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 400 partner banks.

Three mortgage calculators to help you in the home loan process

The first step in the mortgage process is to understand how much house it makes sense to buy in the rent or buy calculator
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
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 Optional

We'll confirm your property budget based on your income and savings based on the criteria of 400 banks.

See what you can afford

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 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 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 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.