House Financing Calculator Germany

The free house financing calculator from Hypofriend helps you find the optimal financing for your home or apartment. You enter the purchase price, equity, monthly payment, and fixed interest period, and it provides a detailed overview of your financing options.

The calculator is based on advanced financial models developed by Dr. Chris Mulder, a former senior economist and manager at the International Monetary Fund and the World Bank. It compares the terms from over 750 lenders and identifies hidden costs to offer you the best financing options.

The calculator provides a quick overview of financing costs, including additional purchase costs like property transfer tax and notary fees. It’s free to use and requires no registration, allowing you to explore different financing scenarios easily.

It’s essential to plan your financing so that you can pay it off by retirement. Additionally, purchase-related costs like property transfer tax and notary fees should be considered, as these are often not included in the loan.

The desired monthly payment affects the loan term and total costs. Higher payments shorten the loan term and reduce interest costs, while lower payments extend the repayment period.

Use the Hypofriend house financing calculator for Germany to secure the best interest rate. It compares the terms of over 750 lenders and simulates different interest rate scenarios to help you find the best option.

The calculator requires information such as the purchase price, equity, and fixed interest period. More equity leads to better terms, and the length of the fixed interest period affects how long the interest rate remains unchanged. Longer periods offer more security but often come with higher rates.

The criteria are as follows: if they seem overwhelming, our financing advisors are happy to help you determine if a KFW loan is suitable for you or if combining it with your main loan makes sense. The KFW options are as follows:

Homeownership Program (Program 124): For all residential properties, where the property must be purchased for personal use.

Homeownership for Families (Program 300): For energy-efficient new builds (at least KFW 40). Eligible are those who meet these criteria: purchase for personal use, children under 18 years old, first-time homebuyers, meet the KFW 40 energy criteria, and stay within the income limit for tax purposes.

Energy-Efficient Modernization (Program 261): For the purchase of newly renovated buildings or self-modernization, where at least the KFW 85 standard must be met, or for the construction of new residential spaces.

Energy-Efficient New Build (Personal Use) (Program 297): For energy-efficient new builds (at least KFW 40) purchased for personal use.

Energy-Efficient New Build (Rental) (Program 298): Similar to Program 297, but for properties purchased for rental purposes.