Real Estate Investment Calculator for Germany

Initial Results

Securing Your Loan

How will your loan and equity cover your purchase?

For your desired property, the costs you have to consider are notary fees of 2 % and property transfer tax of 6,5 %. In total, you will have the purchase fees of 26.960 € for this property. In addition you have a downpayment of 16.000 €, for total up front cost of 42.960 €.

• Bank loan is 140.000 € with the interest rate of 4,41 %.

• KfW loan is 150.000 € with the interest rate of 2,44 %.

• Total loan amount is 290.000 € with the mixed interest rate of 3,39 %.

Your Financial Situation

Your estimated marginal tax rate is 47 %. This influences your loan eligibility and tax refund related to property ownership.

Investment Assumptions

Advanced Considerations

Tax Depreciation and Tax Savings of a Property as % of Initial Building Value

Projected Overall Financial Outcomes

Since your property qualifies for the Sonder-AfA condition and with your upfront investment of 42.960 €, your projected total gains over various periods are as follows:

The internal rate of return (IRR) over these timeframes is estimated as:

Visualizing Your Investment

To help you analyze your financial projections, here are the key insights:

Average monthly cash flow projection in year 1-40 (Cashflow excludes the purchase fees and downpayment)

Your Projected Payment Plan (Average Monthly Cashflow)

Cumulative net worth over time

By carefully planning your property investment, securing favorable financing, and optimizing tax refund, you are setting yourself up for long-term financial success. This strategic approach ensures that your investment aligns with your financial goals and maximizes your returns over time.