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Home Loan Calculator Germany

Get a comprehensive overview of your mortgage options.

How your loan and equity will cover your costs
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When you purchase a home, in addition to the price of the property, you need to pay for the property transfer tax (6,00 % for Berlin), real estate commission (0,00 %) and notary fee (2,00 %). The bulk of these purchase fees must be covered by your equity. We allow for a max loan-to value of 105 %. Here's the breakdown.
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We will support you throughout your homebuying journey

Your dedicated expert will help you understand your options and apply for the best mortgage

Partnering with 750+ lenders to find you the best matching offer

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Historical Interest Rates in Germany

This chart plots real-time data from our mortgage platform and combines it with Germany’s historic interest rates.
Fixed interest period

The Hypofriend home loan calculator for Germany uses cutting-edge algorithms and financial models based on the expertise of professionals who have previously worked for the IMF and the World Bank. It gives you access to data from over 750 lenders. It considers hidden costs and offers transparent, realistic recommendations for home financing. The calculator helps you compare various financing options to find the best mortgage for your individual situation.

The loan amount is calculated based on the property's purchase price, your equity, and your preferred monthly payment. The calculator also takes into account all relevant additional costs, such as property transfer tax, notary fees, and agent commissions, to give you a complete overview of your financing needs.

The results from the home loan calculator for Germany are non-binding estimates, but they provide a good overview of your potential financing options. A lender's thorough financial review will determine the final mortgage offer.

Key decisions include the fixed interest period, the monthly payment, and the loan term. These factors impact your financial stability and should be carefully considered.

The property purchase price is a key factor in the home loan calculator for Germany. This amount affects the loan size, the monthly payment, the interest rate, and the loan term. Additionally, costs such as purchase-related fees and your equity are also considered in the calculation.

Your equity is crucial for calculating loan terms. Lenders expect your equity to cover at least the additional purchase costs, such as property transfer tax, notary fees, and agent commissions. The home loan calculator for Germany uses this information to determine the loan amount and interest rate.

The fixed interest period determines how long your interest rate remains stable. Common fixed interest periods range from 10 to 20 years. Longer periods offer more planning security but may come with higher interest rates. The home loan calculator for Germany allows you to simulate different fixed interest periods to find the best option for your financing.

The decision to either take out the maximum loan amount or save more equity depends on several factors and is largely influenced by your personal preferences and plans.

Experienced investors: If you’re an experienced investor, you might prefer to invest your savings in other financial assets rather than fully committing them to property financing.

First-time homebuyers: If this is your first home purchase, it’s advisable to choose a property that will play a key role in your long-term financial plan. Since additional purchase costs in Germany are high, you should aim to live in the property for a long time or rent it out rather than sell it quickly.

Future life plans: If you’re planning to start a family, it might make sense to buy a property that offers long-term space for your family. In this case, maximizing the loan amount and investing your savings into the property could be beneficial.

Our financing experts are also available to help you make this important decision.

From Home Loan Calculator Germany to Your Dream Property

See what you can afford

1. See what you can afford

We'll calculate your maximum property budget based on your income, savings, residency status and the criteria of our 750+ partner banks.

See what you can afford
Find your dream property

2. Find your dream property

We search across Germany's property platforms, so you can more easily find your dream home.

See property suggestions
Get matched with the best mortgages for your situation

3. Get matched with the best mortgages for your situation

Our custom optimization engine and expert advisors will help you make the optimal decision for your personal circumstances.

Find the right mortgage
Consult for free with an advisor to understand your options

4. Consult for free with an advisor to understand your options

Your personal mortgage expert will support you to review and understand all your options.

Talk to an advisor
Finalize your application online

5. Finalize your application online

In your secure online account, you can easily upload your required personal, property and mortgage documents to get approved faster than traditional brokers.

Move into your new home

6. Move into your new home

Join thousands of other Hypofriend clients in celebrating the financial independence and security of homeownership!

Yes, its free, online and non-binding!

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