Getting a mortgage in Germany

Are you looking to buy a property in Germany? Or are you just curious about how mortgages in Germany work? Hypofriend is a licensed mortgage broker who can help you navigate the complex German mortgage process and advise you on important mortgage decisions. Our advisory is 100% free for you.

Calculate mortgage rates in Germany

I want to purchase a property for

€ 340,000 in
with a down payment of
€ 50,000
with a
2 %
annual principal repayment.

Fixation length
Interest rate
Monthly rate
5 year
Fixed Interest Period
0.00%
€ 0
10 year
Fixed Interest Period
0.00%
€ 0
15 year
Fixed Interest Period
0.00%
€ 0
20 year
Fixed Interest Period
0.00%
€ 0
25 year
Fixed Interest Period
0.00%
€ 0
30 year
Fixed Interest Period
0.00%
€ 0

Buying a property in Frankfurt

Purchase fees in Frankfurt

Whether you are buying a property as a primary residence, second home or investment property, every state in Germany has their own singular purchase fees.

These fees are composed of the notary fee, real estate commision, and property transfer tax.

When buying a property in Frankfurt the notary fee is 2% of the property price, an amount that remains constant throughout Germany.

The use of a real estate agent to acquire a property in Frankfurt adds a commision of 7,14% to the purchase fees, where 7,14% is paid by the buyer and 0,00% of the commission is covered by the seller. However, in certain cases, depending on the size of the property price, this amount can be negotiated. Newly built projects, or properties bought directly from a distributor are typically commision-free.

Finally, the property transfer tax amounts to 6,50%. Together the purchase fees in Frankfurt are either , or , depending on whether you have used a real estate agent when you purchased your property.

To find out more about how the property transfer tax varies by state in Germany, click here .

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