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Calculate mortgage rates in Germany

I want to purchase a property for
€ 340,000
in Berlin without real estate commission with total savings of
€ 50,000
and an annual principal repayment of
2 %
. This implies a loan of € 320,000 and a Loan-to-Value of 93% .
Interest rate Monthly rate
5 year
Fixed Interest Period
0.53% € 675
10 year
Fixed Interest Period
0.58% € 688
15 year
Fixed Interest Period
0.97% € 792
20 year
Fixed Interest Period
1.22% € 859
25 year
Fixed Interest Period
1.41% € 909
30 year
Fixed Interest Period
1.56% € 949

Rates updated daily (Last updated on August 25, 2019)

Buying a property in Berlin

Purchase fees in Berlin

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 commission, and property transfer tax.

When buying a property in Berlin 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 Berlin adds a commission 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 commission-free.

Finally, the property transfer tax amounts to 6,00%. Given a property price of € 400,000, the purchase fees in Berlin are either , or , depending on whether you use a real estate agent when you purchase your property.

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