[{"data":1,"prerenderedAt":1504},["ShallowReactive",2],{"ia-german-mortgage-savings-calculator-en":3},{"article":4,"inputs":1267,"outputs":1340,"charts":1454,"calculators":1263},{"author":5,"authorImage":6,"authorImageWebp":7,"authorDescription":8,"authorSlug":9,"title":10,"shortName":11,"content":12,"contentRaw":13,"tableOfContentArray":1234,"slug":1243,"category":1244,"order":1245,"createdAt":1246,"publishedAt":1246,"updatedAt":1247,"seoTitle":1248,"seoDescription":1249,"seoKeywords":1250,"seoImage":1251,"mainPicture":1252,"mainPictureMobile":1253,"mainPictureWebp":1254,"mainPictureMobileWebp":1255,"listPicture":1256,"listPictureMobile":1257,"listPictureWebp":1258,"listPictureMobileWebp":1259,"language":1260,"calculatorTitle":1261,"calculator":1262,"calculators":1263,"id":1250,"introduction":1264,"preview":1249,"sheetId":1265,"sheetPageName":1266},"Dr. Chris Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.webp","Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.","chris","Can I buy a home now in Germany or should I wait and save?","Buy Now vs. Save Calculator","\u003Ch2 id=\"h-results\">Results\u003C\u002Fh2>\n\n            \u003Cgraph v-if=\"typeof graph_1 !== 'undefined' && graph_1\" key=\"graph_1\" :jiyu-data=\"graph_1\" :data-format=\"'legacy'\">\u003C\u002Fgraph>\n           \n\u003Ctable>\u003Ctr>\n\u003Ctd>\n\u003Cp>Today at year \u003Cb>{{reduced_year1}}\u003C\u002Fb>, you can afford a home of\u003C\u002Fp>\n\u003Cp>\u003Cb>{{reduced_property_price1}}\u003C\u002Fb>\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp>In \u003Cb>{{reduced_year2}}\u003C\u002Fb> year, you can afford a home of\u003C\u002Fp>\n\u003Cp>\u003Cb>{{reduced_property_price2}}\u003C\u002Fb>\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003Ctd>\n\u003Cp>In \u003Cb>{{reduced_year3}}\u003C\u002Fb> year(s), you can afford a home of\u003C\u002Fp>\n\u003Cp>\u003Cb>{{reduced_property_price3}}\u003C\u002Fb>\u003C\u002Fp>\n\u003C\u002Ftd>\n\u003C\u002Ftr>\u003C\u002Ftable>\n\n            \u003Cwidget type=\"callToActionRich\" headline=\"See what you can afford\" background-color=\"#F7F7F7\" main-cta-label=\"See what I can afford\" main-cta-link=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart\" description=\"<p>Calculate what you can afford and book a free appointment for your mortgage with just a few clicks <\u002Fp>\" :pictures='[{\"url\":\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4fM1kNSRDAGXcEwuLLCTN3\u002Fbb759bee2f34818b8fb470c81193cfaf\u002FRent-Or-Buy-800x534.jpg\",\"title\":\"rent or buy 800x534\",\"description\":null}]'>\u003C\u002Fwidget>\n           \n\u003Cp>\u003Cb>{{outcome_option}}\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>The table below indicates the house price that you can afford based on the number of years you save, considering the monthly amount and initial payment. The final property price also considers the tax of the state you chose. You can change these inputs at the top of the article to simulate other scenarios that might fit you better.\u003C\u002Fp>\n\u003Cp>With your monthly saving of \u003Cb>{{monthly_saving}}\u003C\u002Fb>, you can afford the respective house price:\u003C\u002Fp>\n\u003Ctable>\n\u003Ctr>\n\u003Cth>\u003Cp>Years\u003C\u002Fp>\u003C\u002Fth>\n\u003Cth>\u003Cp>Total Savings\u003C\u002Fp>\u003C\u002Fth>\n\u003Cth>\u003Cp>Affordable house price\u003C\u002Fp>\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>1\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings1}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price1}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>2\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings2}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price2}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>3\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings3}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price3}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>4\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings4}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price4}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>5\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings5}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price5}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>6\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings6}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price6}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>7\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings7}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price7}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>8\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings8}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price8}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>9\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings9}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price9}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>10\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{table_savings10}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{final_price10}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftable>\n\u003Cp>\u003Ccode>This table can help you find the most suitable option for you at the moment. In our experience, it rarely pays to wait longer than 5–6 years to buy a home after you start working full-time—and often, it is much better to do it 3–4 years after you start working full-time. \u003C\u002Fcode>\u003C\u002Fp>\n\n            \u003Cwidget type=\"callToActionRich\" headline=\"Calculate your optimal mortgage\" background-color=\"#F7F7F7\" main-cta-label=\"See my options\" main-cta-link=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart\" description=\"<p>Calculate how much you can afford and get a free online mortgage recommendation in only a few clicks.<\u002Fp>\" :pictures='[{\"url\":\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKA6i7xcAgdlHRNACbwETv\u002F92bfc6958d4b342860c06865844af08a\u002Ftoa-heftiba-9vNFtkm-Pus-unsplash.jpg\",\"title\":\"spaarplan-hero\",\"description\":\"Hero image for Spaarplan LP\"}]'>\u003C\u002Fwidget>\n           \n\u003Ch2 id=\"h-options-to-help-you-buy-a-home-faster\">Options to help you buy a home faster\u003C\u002Fh2>\n\u003Ctable>\n\u003Ctr>\n\u003Cth>\u003Cp>Option\u003C\u002Fp>\u003C\u002Fth>\n\u003Cth>\u003Cp>Reduction in the time to buy in months\u003C\u002Fp>\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Saving an extra 250 € per month\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{output_extra_monthly_savings}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Reducing your house price target by 50.000 € \u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{output_extra_house_price}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Adding an extra 10.000 € to your savings — can you ask your family for support or to collateralize their German property?\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{output_extra_total_savings}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Buying without an agent (from the developer\u002Fowner directly)\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{output_extra_no_agent}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftable>\n\u003Cp>Is your dream home far out of reach? Consider buying a small home, such as an apartment in the city, first and then renting it out later when you move into a house with a garden in the suburbs or a village. You can then rent out that starter apartment. It will build you a great nest egg, and you can use 80 % of the value of that apartment as collateral for purchasing your dream home.\u003C\u002Fp>\n\u003Cp>In any case, when planning your future in terms of buying, make sure you plan to keep the house relatively long, as the purchase costs are high in Germany. More concretely, plan to hold your home for at least 7–8 years. So don't buy it if it means holding it for just 2–4 years. \u003C\u002Fp>\n\u003Ch2 id=\"h-how-does-the-market-outlook-affect-the-timing-of-when-i-can-buy-a-home\">How does the market outlook affect the timing of when I can buy a home?\u003C\u002Fh2>\n\u003Cp>The outlook for property prices and interest rates will impact your result: when property prices increase an extra 2 %, it may take you \u003Cb>{{worst_afford_time}}\u003C\u002Fb> months longer, and it may take you \u003Cb>{{best_afford_time}}\u003C\u002Fb> months shorter if they stay flat. If interest rates increase by 0,5 %, it may take you \u003Cb>{{interest_rate_increase}}\u003C\u002Fb> months longer, and vice versa, it may take you \u003Cb>{{interest_rate_decrease}}\u003C\u002Fb> months shorter if they decline by 0,5 %. \u003C\u002Fp>\n\u003Cp>\u003Cb>The key assumptions\u003C\u002Fb>\u003C\u002Fp>\n\u003Ctable>\n\u003Ctr>\n\u003Cth>\u003Cp>\u003Cb>Variables\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Fth>\n\u003Cth>\u003Cp>\u003Cb>Assumptions\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Fth>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Current property price\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{house_price}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Annual property appreciation\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{output_property_appreciation}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Expected property price in \u003Cb>{{expected_afford_time}}\u003C\u002Fb> year(s)\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{expected_house_price}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Interest rate\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{output_interest_rate}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Purchasing costs\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{purchasing_cost}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Down payment\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{downpayment}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Monthly mortgage payment\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>{{mortgage_payment}}\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Maximum loan-to-value (LTV)\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>95-100 %\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Maximum loan-to-income (LTI)\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>90-100 (times net monthly income. It can be more if the LTV is lower)\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003Ctr>\n\u003Ctd>\u003Cp>Income & saving growth rate\u003C\u002Fp>\u003C\u002Ftd>\n\u003Ctd>\u003Cp>\u003Cb>3 %\u003C\u002Fb>\u003C\u002Fp>\u003C\u002Ftd>\n\u003C\u002Ftr>\n\u003C\u002Ftable>\n\u003Ch3>\u003Cb>The impact of the property price on your savings goals\u003C\u002Fb>\u003C\u002Fh3>\n\u003Cp>The property price has a huge influence on your home savings target. If it takes too long to afford your dream home, then it is usually better to scale down your ambitions, lower your price, or add to your savings. You can save more or ask family for support, including using their German property as collateral.\u003Cbr>\u003Cbr>Using Berlin as an example, real estate prices have remained stable over the past year, but it had a significant increase of approximately 10 % annually over the past ten years, according to the Guthmann Berlin Real Estate Report 2023.\u003C\u002Fp>\n\u003Cp>\u003Cb>Purchasing costs\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>When purchasing a home in Germany, you must be aware of the purchasing costs, such as property transfer tax, notary fees, and real estate commission. Depending on the state in which the property is located, it ranges from 8-11 % of the purchase price. \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperty-purchasing-cost-calculator-germany.ia\">Use our calculator to discover the purchasing costs for your dream home\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>\u003Cb>Loan-to-value-ration (LTV)\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Banks will not lend more than a certain value of the property. The maximum loan-to-value ratio is about 100 %, although if you bring 5 % more equity, you can usually get a much better interest rate. Bringing 5 % more equity is expected to take you an extra \u003Cb>{{output_extra_ltv95}}\u003C\u002Fb>. If you have a Blue card or one of you is a Temporary Resident, then you will only be eligible for an LTV of 95 % maximum.\u003C\u002Fp>\n\u003Cp>\u003Cb>Loan-to-income-ration (LTI)\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>Banks limit their loan size to a ratio of your net monthly income--including the income of your partner and reliable bonuses. The maximum depends on the prevailing interest rate and is also influenced by your residency status and how much equity you can bring. To see how all these features work, it is best to create a Hypofriend account, and then you will have a dashboard that you can use to evaluate all relevant options in detail.\u003C\u002Fp>\n\u003Cp>Not sure if you can afford your dream home? Use our \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fhow-much-house-can-i-afford-calculator.ia\">calculator to find out how much house you can afford easily\u003C\u002Fa>!\u003C\u002Fp>\n\u003Ch2 id=\"h-how-much-can-you-afford-if-you-save-longer\">\u003Cb>How much can you afford if you save longer?\u003C\u002Fb>\u003C\u002Fh2>\n\u003Cp>Increasing your savings is the most effective approach to accelerate homeownership and keep up with market prices. By boosting your initial savings, you can cover essential expenses like the down payment (a required percentage of the home's purchase price) and purchasing costs. However, it may be challenging to add a substantial sum to your initial savings. An alternative option to increase your initial capital is to wait and save monthly, which will increase the affordability of the property.\u003C\u002Fp>\n\u003Cp>Discover our guide for more \u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fincrease-how-much-house-you-can-afford.afb\">tips on increasing how much house you can afford in Germany\u003C\u002Fa>.\u003C\u002Fp>",{"nodeType":14,"data":15,"content":16},"document",{},[17,26,40,131,166,174,181,197,584,593,622,629,751,758,765,772,815,823,1100,1109,1116,1123,1143,1151,1167,1175,1182,1201,1209,1216],{"nodeType":18,"data":19,"content":20},"heading-2",{},[21],{"nodeType":22,"value":23,"marks":24,"data":25},"text","Results",[],{},{"nodeType":27,"data":28,"content":34,"entry":35},"embedded-entry-block",{"target":29},{"sys":30},{"id":31,"type":32,"linkType":33},"4vgjX5Lxa29Cm4eaku3Uyx","Link","Entry",[],{"title":36,"graphId":37,"dataType":38,"type":33,"contentType":39},"graph_1",1,"legacy","graph",{"nodeType":41,"data":42,"content":43},"table",{},[44],{"nodeType":45,"data":46,"content":47},"table-row",{},[48,78,105],{"nodeType":49,"data":50,"content":51},"table-cell",{},[52,70],{"nodeType":53,"data":54,"content":55},"paragraph",{},[56,60,66],{"nodeType":22,"value":57,"marks":58,"data":59},"Today at year ",[],{},{"nodeType":22,"value":61,"marks":62,"data":65},"{{reduced_year1}}",[63],{"type":64},"bold",{},{"nodeType":22,"value":67,"marks":68,"data":69},", you can afford a home of",[],{},{"nodeType":53,"data":71,"content":72},{},[73],{"nodeType":22,"value":74,"marks":75,"data":77},"{{reduced_property_price1}}",[76],{"type":64},{},{"nodeType":49,"data":79,"content":80},{},[81,97],{"nodeType":53,"data":82,"content":83},{},[84,88,93],{"nodeType":22,"value":85,"marks":86,"data":87},"In ",[],{},{"nodeType":22,"value":89,"marks":90,"data":92},"{{reduced_year2}}",[91],{"type":64},{},{"nodeType":22,"value":94,"marks":95,"data":96}," year, you can afford a home of",[],{},{"nodeType":53,"data":98,"content":99},{},[100],{"nodeType":22,"value":101,"marks":102,"data":104},"{{reduced_property_price2}}",[103],{"type":64},{},{"nodeType":49,"data":106,"content":107},{},[108,123],{"nodeType":53,"data":109,"content":110},{},[111,114,119],{"nodeType":22,"value":85,"marks":112,"data":113},[],{},{"nodeType":22,"value":115,"marks":116,"data":118},"{{reduced_year3}}",[117],{"type":64},{},{"nodeType":22,"value":120,"marks":121,"data":122}," year(s), you can afford a home of",[],{},{"nodeType":53,"data":124,"content":125},{},[126],{"nodeType":22,"value":127,"marks":128,"data":130},"{{reduced_property_price3}}",[129],{"type":64},{},{"nodeType":27,"data":132,"content":136,"entry":137},{"target":133},{"sys":134},{"id":135,"type":32,"linkType":33},"4ywa8c8uQoTkjpWpya51Yi",[],{"title":138,"type":139,"headline":140,"description":141,"backgroundColor":151,"mainCtaLabel":152,"mainCtaLink":153,"pictures":154,"imageAlignment":163,"showBankLogos":164,"contentType":165},"Blog: Property Prices 2026 \u002F 3: Check what you can afford (EN)","callToActionRich","See what you can afford",{"data":142,"content":143,"nodeType":14},{},[144],{"data":145,"content":146,"nodeType":53},{},[147],{"data":148,"marks":149,"value":150,"nodeType":22},{},[],"Calculate what you can afford and book a free appointment for your mortgage with just a few clicks ","#F7F7F7","See what I can afford","https:\u002F\u002Fhypofriend.de\u002Fen\u002Fcriteria\u002Fstart",[155],{"fileName":156,"details":157,"url":162},"Rent-Or-Buy-800x534.jpg",{"size":158,"image":159},1035764,{"width":160,"height":161},1600,1068,"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4fM1kNSRDAGXcEwuLLCTN3\u002Fbb759bee2f34818b8fb470c81193cfaf\u002FRent-Or-Buy-800x534.jpg","LEFT",false,"widget",{"nodeType":53,"data":167,"content":168},{},[169],{"nodeType":22,"value":170,"marks":171,"data":173},"{{outcome_option}}",[172],{"type":64},{},{"nodeType":53,"data":175,"content":176},{},[177],{"nodeType":22,"value":178,"marks":179,"data":180},"The table below indicates the house price that you can afford based on the number of years you save, considering the monthly amount and initial payment. The final property price also considers the tax of the state you chose. 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It can be more if the LTV is lower)",[1074],{"type":64},{},{"nodeType":45,"data":1077,"content":1078},{},[1079,1089],{"nodeType":49,"data":1080,"content":1081},{},[1082],{"nodeType":53,"data":1083,"content":1084},{},[1085],{"nodeType":22,"value":1086,"marks":1087,"data":1088},"Income & saving growth rate",[],{},{"nodeType":49,"data":1090,"content":1091},{},[1092],{"nodeType":53,"data":1093,"content":1094},{},[1095],{"nodeType":22,"value":1096,"marks":1097,"data":1099},"3 %",[1098],{"type":64},{},{"nodeType":1101,"data":1102,"content":1103},"heading-3",{},[1104],{"nodeType":22,"value":1105,"marks":1106,"data":1108},"The impact of the property price on your savings goals",[1107],{"type":64},{},{"nodeType":53,"data":1110,"content":1111},{},[1112],{"nodeType":22,"value":1113,"marks":1114,"data":1115},"The property price has a huge influence on your home savings target. If it takes too long to afford your dream home, then it is usually better to scale down your ambitions, lower your price, or add to your savings. You can save more or ask family for support, including using their German property as collateral.\n\nUsing Berlin as an example, real estate prices have remained stable over the past year, but it had a significant increase of approximately 10 % annually over the past ten years, according to the Guthmann Berlin Real Estate Report 2023.",[],{},{"nodeType":53,"data":1117,"content":1118},{},[1119],{"nodeType":22,"value":966,"marks":1120,"data":1122},[1121],{"type":64},{},{"nodeType":53,"data":1124,"content":1125},{},[1126,1130,1139],{"nodeType":22,"value":1127,"marks":1128,"data":1129},"When purchasing a home in Germany, you must be aware of the purchasing costs, such as property transfer tax, notary fees, and real estate commission. Depending on the state in which the property is located, it ranges from 8-11 % of the purchase price. ",[],{},{"nodeType":1131,"data":1132,"content":1134},"hyperlink",{"uri":1133},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fproperty-purchasing-cost-calculator-germany.ia",[1135],{"nodeType":22,"value":1136,"marks":1137,"data":1138},"Use our calculator to discover the purchasing costs for your dream home",[],{},{"nodeType":22,"value":1140,"marks":1141,"data":1142},".",[],{},{"nodeType":53,"data":1144,"content":1145},{},[1146],{"nodeType":22,"value":1147,"marks":1148,"data":1150},"Loan-to-value-ration (LTV)",[1149],{"type":64},{},{"nodeType":53,"data":1152,"content":1153},{},[1154,1158,1163],{"nodeType":22,"value":1155,"marks":1156,"data":1157},"Banks will not lend more than a certain value of the property. The maximum loan-to-value ratio is about 100 %, although if you bring 5 % more equity, you can usually get a much better interest rate. 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To see how all these features work, it is best to create a Hypofriend account, and then you will have a dashboard that you can use to evaluate all relevant options in detail.",[],{},{"nodeType":53,"data":1183,"content":1184},{},[1185,1189,1197],{"nodeType":22,"value":1186,"marks":1187,"data":1188},"Not sure if you can afford your dream home? Use our ",[],{},{"nodeType":1131,"data":1190,"content":1192},{"uri":1191},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fhow-much-house-can-i-afford-calculator.ia",[1193],{"nodeType":22,"value":1194,"marks":1195,"data":1196},"calculator to find out how much house you can afford easily",[],{},{"nodeType":22,"value":1198,"marks":1199,"data":1200},"!",[],{},{"nodeType":18,"data":1202,"content":1203},{},[1204],{"nodeType":22,"value":1205,"marks":1206,"data":1208},"How much can you afford if you save longer?",[1207],{"type":64},{},{"nodeType":53,"data":1210,"content":1211},{},[1212],{"nodeType":22,"value":1213,"marks":1214,"data":1215},"Increasing your savings is the most effective approach to accelerate homeownership and keep up with market prices. By boosting your initial savings, you can cover essential expenses like the down payment (a required percentage of the home's purchase price) and purchasing costs. However, it may be challenging to add a substantial sum to your initial savings. 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Find out how long it will take and discover how higher savings or lower prices can shorten the wait.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FJnMYCD20pSTcC5lU0WGlH\u002F074d679b6b047e1237e938cec79ef3c7\u002FSEO-home-savings-calculator-800x534.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1xBWJB5JpUSK0GAn5DcrXA\u002Fb4749f5a25344e412c3f89436c78a42e\u002Fhome-savings-calculator-1224x474.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4aLYUMRfIJ3kB6Lgv6spfu\u002F332c821c56b5bf013bbae4e6b56711cd\u002Fhome-savings-calculator-523x366.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5F4SpcDxCEpxux69MMZ0y6\u002Fedf55488b8c6e09ec34e0bcba1116194\u002Fhome-savings-calculator-1224x474.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1BDmk6LUrgXczAc1waCZtj\u002Fbeee1cd8fd36c05b131b9c1e69f6feab\u002Fhome-savings-calculator-523x366.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5A8NRtDeXwgNi8wPIeGulw\u002F6c0b03ce0fda16fd90211eb1ffa3a41e\u002Fhome-savings-calculator-800x430.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F7APpZ1qZfvjarSTPp1CuPJ\u002F7892cc97c5f8c446c2344b84bbfbe966\u002Fhome-savings-calculator-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2v9lkGQ8r2ygAvtrchxf7t\u002F12a73fe115fc634dd705f9fdf317fc6e\u002Fhome-savings-calculator-800x430.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2wcdPyFUyuxXmHyRb90YoW\u002F4f93fa7a97522d20c2c668d26eeadd86\u002Fhome-savings-calculator-380x243.webp","en","Let's calculate when you can buy your home","The price of the property I would like to buy is {house_price} and is located in {state}. I expect to pay a real estate broker commission {keys1}. My monthly household net income is {monthly_income}. The total savings that I can devote towards the home purchase are {total_savings}, and the amount of money that I plan to save each month so I can purchase such a home is {monthly_saving}. I expect the market property appreciation to be {property_appriecation} and the expected mortgage interest rate to be {interest_rate}.",[],"\u003Cp>How long would it take for you to buy your dream home in Germany? Use our calculator to find out how long it takes till you can buy your dream home. 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Bedenke, dass Mieten in der Regel viel zu teuer ist und dass es auf jeden Fall besser ist, gleich loszulegen, als ewig darauf zu warten, eigene Immobilie zu erwerben.",{"formatted_value":1342,"value":1342,"type":22,"options":-1},{"formatted_value":1347,"value":1348,"type":1272,"options":-1},"909.727 €",909727,{"formatted_value":1350,"value":1351,"type":1272,"options":-1},"107.540 €",107539.93,{"formatted_value":1353,"value":1354,"type":1272,"options":-1},"848.276 €",848276,{"formatted_value":1356,"value":1357,"type":1272,"options":-1},"98.146 €",98145.56,{"formatted_value":1359,"value":1360,"type":1272,"options":-1},"63.172 €",63172.2,{"formatted_value":1362,"value":1363,"type":1272,"options":-1},"769.445 €",769445,{"formatted_value":1365,"value":1366,"type":1272,"options":-1},"89.025 €",89024.82,{"formatted_value":1368,"value":1369,"type":1272,"options":-1},"0 €",0,{"formatted_value":1371,"value":1372,"type":1272,"options":-1},"692.910 €",692910,{"formatted_value":1374,"value":1375,"type":1272,"options":-1},"80.170 €",80169.73,{"formatted_value":1377,"value":1378,"type":1272,"options":-1},"2.503 €",2502.5,{"formatted_value":1380,"value":1381,"type":1272,"options":-1},"618.605 €",618605,{"formatted_value":1383,"value":1384,"type":1272,"options":-1},"71.573 €",71572.55,{"formatted_value":1096,"value":1330,"type":1328,"options":-1},{"formatted_value":1387,"value":1388,"type":1272,"options":-1},"546.463 €",546463,{"formatted_value":1390,"value":1391,"type":1272,"options":-1},"63.226 €",63225.78,{"formatted_value":1326,"value":1327,"type":1328,"options":-1},{"formatted_value":1394,"value":1395,"type":1272,"options":-1},"476.423 €",476423,{"formatted_value":1397,"value":1398,"type":1272,"options":-1},"55.122 €",55122.11,{"formatted_value":1400,"value":1401,"type":1272,"options":-1},"27.000 €",27000,{"formatted_value":1403,"value":1404,"type":1272,"options":-1},"408.422 €",408422,{"formatted_value":1406,"value":1407,"type":1272,"options":-1},"47.254 €",47254.48,{"formatted_value":1409,"value":1410,"type":1272,"options":-1},"342.403 €",342403,{"formatted_value":1412,"value":1413,"type":1272,"options":-1},"39.616 €",39616,{"formatted_value":1415,"value":1416,"type":1272,"options":-1},"546.000 €",546000,{"formatted_value":1418,"value":1419,"type":1272,"options":-1},"278.000 €",278000,{"formatted_value":1421,"value":1422,"type":1272,"options":-1},"216.000 €",216000,{"formatted_value":1424,"value":1425,"type":1272,"options":-1},"278.306 €",278306,{"formatted_value":1427,"value":1428,"type":1272,"options":-1},"32.200 €",32200,{"formatted_value":384,"value":1430,"type":1431,"options":-1},5,"number",{"formatted_value":244,"value":37,"type":1431,"options":-1},{"formatted_value":1434,"value":1369,"type":1431,"options":-1},"0",{"formatted_value":1434,"value":1369,"type":1431,"options":-1},{"formatted_value":1434,"value":1369,"type":1431,"options":-1},{"formatted_value":1438,"value":1439,"type":1431,"options":-1},"36",36,{"formatted_value":1441,"value":1442,"type":1431,"options":-1},"12",12,{"formatted_value":1441,"value":1442,"type":1431,"options":-1},{"formatted_value":1445,"value":1446,"type":1431,"options":-1},"24",24,{"formatted_value":384,"value":1430,"type":1431,"options":-1},{"formatted_value":419,"value":1449,"type":1431,"options":-1},6,{"formatted_value":384,"value":1430,"type":1431,"options":-1},{"formatted_value":1452,"value":1453,"type":1272,"options":-1},"522.000 €",522000,[1455],{"settings":1456,"type":1457,"stackType":1458,"domains":1459,"series":1474},{},"line","default",[1460],{"settings":1461,"domainName":1462,"data":1463,"range":1250},{},"Index",[1369,37,1464,1245,1465,1430,1449,1466,1467,1468,1469,1470,1442,1471,1472,1473],2,4,7,8,9,10,11,13,14,15,[1475,1485],{"settings":1476,"serieName":1477,"data":1478,"color":1250},{},"Your affordability",[1479,1425,1410,1404,1395,1388,1381,1372,1363,1354,1348,1480,1481,1482,1483,1484],216076,943469,978223,1014020,1050890,1205714,{"settings":1486,"serieName":1487,"data":1488,"color":1250},{},"House price",[1271,1489,1490,1491,1492,1493,1494,1495,1496,1497,1498,1499,1500,1501,1502,1503],463500,477405,491727,506479,521673,537323,553443,570046,587147,604761,622904,641591,660839,680664,701084,1792793823634]