Mortgage Calculator
Calculate your mortgage for property purchase. With interest rate, repayment and monthly installment. Free with amortization schedule, interest comparison,.
Loan amount
240.000,00 €
Monthly installment
1.201,50 €
Total costs
360.448,97 €
Total interest
120.448,97 €
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 is the difference between Hypothek and Grundschuld?
Both are property security for the lender. A Hypothek is tied to the debt (reduces with repayment). A Grundschuld is debt-independent and more common in practice as it is more flexible.
How much property can I afford?
Rule of thumb: purchase price max. 20–25 times your annual net rent savings, or max. 35–40 % of net income for the monthly payment. At 3,000 EUR net: max. payment approx. 1,050–1,200 EUR.
What interest rate can I expect in 2026?
2026 mortgage rates for 10-year fixes are approx. 3.5–4.5 % p.a. (depending on credit rating and loan-to-value). Compare multiple offers – differences can be significant.
What is a forward loan?
A forward loan locks in the current interest rate for a future refinancing (up to 5 years in advance). The surcharge is approx. 0.01–0.03 % per month of lead time. Useful when rates are expected to rise.
What is the Mortgage Calculator?
The mortgage calculator computes the monthly mortgage payment, interest and principal portions and total costs of a property loan over the full term.
How does the Mortgage Calculator work?
Enter mortgage amount, fixed interest rate, initial repayment and fixed-rate period. The calculator produces the monthly annuity, creates a repayment schedule and shows the remaining debt at the end of the fixed period for refinancing.
Key Data and Facts
Mortgage rates Germany 2026: 10-year fixed approx. 3.5–4.5 %. Minimum recommended equity: 20–30 % (incl. acquisition costs). Loan-to-value below 60 %: best rate conditions. Land register entry mandatory. Deletion after full repayment.
Step-by-Step Guide
Step-by-step: 1. Determine loan amount. 2. Get rate quotes from multiple lenders. 3. Choose fixed-rate period. 4. Set repayment: min. 2–3 % recommended. 5. Calculate annuity. 6. Plan refinancing for remaining debt. 7. Total costs = sum of all payments − loan amount.
Calculation Example
Mortgage 300,000 EUR, 4.0 % interest, 2.0 % repayment, 10-year fix: monthly payment 1,500 EUR. Remaining debt after 10 years: approx. 238,000 EUR. Interest paid: approx. 58,000 EUR.
Related Calculators
Consumer Loan Calculator
Calculate monthly payments, total costs and amortization schedule for your loan. With interest rate, term and extra payments.
Interest & Compound Interest Calculator 2026 — Free Online
Calculate compound interest with the Rule of 72: capital doubles in 14 years at 5% p.a. Add monthly savings, get full amortization. Free, no registration.
Home Purchase Financing Calculator
Calculate your mortgage with repayment, fixed-rate period and extra payments. Including amortization schedule and remaining balance.
Compound Interest Calculator
Calculate the compound interest effect over any period. See how your wealth grows exponentially. Free with amortization schedule, interest comparison, examples.