Loan Calculator
Calculate conditions for your loan. Monthly payment, total costs and effective interest rate.
Monatliche Rate
932,15 €
Total costs
55.929,06 €
Total interest
5.929,06 €
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What types of loans are there?
The main types are annuity loans (fixed installments), bullet loans (interest-only, repaid at maturity), and installment loans (fixed repayment plus decreasing interest). Annuity loans are the most common in Germany.
What costs are associated with a loan?
Besides interest, loans may include processing fees, account management fees, and prepayment penalties. The effective annual interest rate (Effektivzins) includes all costs for better comparison.
What is the Loan Calculator?
The loan calculator computes the monthly instalment for various loan types: annuity loans, repayment loans and bullet loans.
How does the Loan Calculator work?
Choose the loan type and enter the amount, interest rate and term. For an annuity loan the instalment stays constant. For a repayment loan the instalment decreases. For a bullet loan only interest is paid and the principal is repaid at the end.
Key Data and Facts
Annuity loan: constant instalment, variable interest/principal split. Repayment loan: decreasing instalment, constant principal. Bullet loan: interest-only during the term.
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