Mortgages in Germany Explained
Our German mortgage guides explain the ins and outs of how home loans work, how to use a mortgage calculator, what to look out for when applying for a German mortgage and how the entire home buying process works.
Exploring my options
- What’s the difference between buying for own use and buying to let?
- What is Baukindergeld and how can it help me?
- What are the additional purchase costs when buying a real estate in Germany?
- Should I borrow the maximum amount or should I save some equity?
- I'm a freelancer, am I eligible for a mortgage and how much?
- Can I get a mortgage in Germany without equity?
- Can I get a credit loan to increase my affordability?
- How can I increase what I can borrow?
- How much can I afford or borrow?
- Is now a good time to buy property for own use?
- Should I buy or continue renting?
View all 11 topics
- What’s the difference between buying for own use and buying to let?
- What is Baukindergeld and how can it help me?
- What are the additional purchase costs when buying a real estate in Germany?
- Should I borrow the maximum amount or should I save some equity?
- I'm a freelancer, am I eligible for a mortgage and how much?
- Can I get a mortgage in Germany without equity?
- Can I get a credit loan to increase my affordability?
- How can I increase what I can borrow?
- How much can I afford or borrow?
- Is now a good time to buy property for own use?
- Should I buy or continue renting?
German mortgage fundamentals
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
- What is my SCHUFA score?
- How to choose the right fixed interest period?
- What should I know if I expect to sell my house within 10 years?
- What more should I consider before closing my mortgage?
- Are my mortgage payments tax deductible?
- Can I use extra repayments to repay my mortgage quicker?
- What is Loan-to-value and why does my down payment matter?
- How quickly should I pay off my mortgage?
- How is the monthly rate calculated?
- How can I get pre-qualified?
View all 12 topics
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
- What is my SCHUFA score?
- How to choose the right fixed interest period?
- What should I know if I expect to sell my house within 10 years?
- What more should I consider before closing my mortgage?
- Are my mortgage payments tax deductible?
- Can I use extra repayments to repay my mortgage quicker?
- What is Loan-to-value and why does my down payment matter?
- How quickly should I pay off my mortgage?
- How is the monthly rate calculated?
- How can I get pre-qualified?
Exploring my options: advanced questions
- Can I include modernisation or renovation costs into the mortgage?
- How does the KfW subsidy work with my mortgage?
- How do I know if the property valuation is fair?
- What happens after my mortgage request gets approved?
- Can I get a mortgage for property outside Germany?
- Should I get pre-approved for a mortgage?
View all 6 topics
- Can I include modernisation or renovation costs into the mortgage?
- How does the KfW subsidy work with my mortgage?
- How do I know if the property valuation is fair?
- What happens after my mortgage request gets approved?
- Can I get a mortgage for property outside Germany?
- Should I get pre-approved for a mortgage?
Handy Definitions
View all 31 topics
- Annuity Loan
- Anschlussfinanzierung
- Baukindergeld
- Bausparvertrag
- Bauträger
- Beleihungsauslauf
- Beleihungswert
- Bereitstellungszinsen
- Sondertilgung
- Forward Darlehen
- Grundbuch
- Grundschuld
- Haushaltsrechnung
- Kaufnebenkosten
- KfW Darlehen
- Laufzeit
- Restschuld
- Maklergebühr
- Monatsrate
- Immobilienfinanzierung
- Notarkosten
- Notar & Beurkundung
- Grunderwerbsteuer
- SCHUFA
- Selbstauskunft
- Tilgung
- Notwendige Unterlagen
- Volltilgerdarlehen
- Vorfälligkeitsentschädigung
- Zinsbindungsfrist
- Zinszahlungsdarlehen
Exploring my options
- What’s the difference between buying for own use and buying to let?
- What is Baukindergeld and how can it help me?
- What are the additional purchase costs when buying a real estate in Germany?
- Should I borrow the maximum amount or should I save some equity?
- I'm a freelancer, am I eligible for a mortgage and how much?
- Can I get a mortgage in Germany without equity?
- Can I get a credit loan to increase my affordability?
- How can I increase what I can borrow?
- How much can I afford or borrow?
- Is now a good time to buy property for own use?
- Should I buy or continue renting?
View all 11 topics
- What’s the difference between buying for own use and buying to let?
- What is Baukindergeld and how can it help me?
- What are the additional purchase costs when buying a real estate in Germany?
- Should I borrow the maximum amount or should I save some equity?
- I'm a freelancer, am I eligible for a mortgage and how much?
- Can I get a mortgage in Germany without equity?
- Can I get a credit loan to increase my affordability?
- How can I increase what I can borrow?
- How much can I afford or borrow?
- Is now a good time to buy property for own use?
- Should I buy or continue renting?
Exploring my options: advanced questions
- Can I include modernisation or renovation costs into the mortgage?
- How does the KfW subsidy work with my mortgage?
- How do I know if the property valuation is fair?
- What happens after my mortgage request gets approved?
- Can I get a mortgage for property outside Germany?
- Should I get pre-approved for a mortgage?
View all 6 topics
- Can I include modernisation or renovation costs into the mortgage?
- How does the KfW subsidy work with my mortgage?
- How do I know if the property valuation is fair?
- What happens after my mortgage request gets approved?
- Can I get a mortgage for property outside Germany?
- Should I get pre-approved for a mortgage?
German mortgage fundamentals
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
- What is my SCHUFA score?
- How to choose the right fixed interest period?
- What should I know if I expect to sell my house within 10 years?
- What more should I consider before closing my mortgage?
- Are my mortgage payments tax deductible?
- Can I use extra repayments to repay my mortgage quicker?
- What is Loan-to-value and why does my down payment matter?
- How quickly should I pay off my mortgage?
- How is the monthly rate calculated?
- How can I get pre-qualified?
View all 12 topics
- How can I improve my SCHUFA score?
- How does my SCHUFA score affect my mortgage?
- What is my SCHUFA score?
- How to choose the right fixed interest period?
- What should I know if I expect to sell my house within 10 years?
- What more should I consider before closing my mortgage?
- Are my mortgage payments tax deductible?
- Can I use extra repayments to repay my mortgage quicker?
- What is Loan-to-value and why does my down payment matter?
- How quickly should I pay off my mortgage?
- How is the monthly rate calculated?
- How can I get pre-qualified?
Handy Definitions
View all 31 topics
- Annuity Loan
- Anschlussfinanzierung
- Baukindergeld
- Bausparvertrag
- Bauträger
- Beleihungsauslauf
- Beleihungswert
- Bereitstellungszinsen
- Sondertilgung
- Forward Darlehen
- Grundbuch
- Grundschuld
- Haushaltsrechnung
- Kaufnebenkosten
- KfW Darlehen
- Laufzeit
- Restschuld
- Maklergebühr
- Monatsrate
- Immobilienfinanzierung
- Notarkosten
- Notar & Beurkundung
- Grunderwerbsteuer
- SCHUFA
- Selbstauskunft
- Tilgung
- Notwendige Unterlagen
- Volltilgerdarlehen
- Vorfälligkeitsentschädigung
- Zinsbindungsfrist
- Zinszahlungsdarlehen
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