Real Estate Calculator Germany
Comprehensive calculation for property purchase. Purchase price, ancillary costs, financing and return. Includes all acquisition costs and examples, updated. For Germany.
Max. Monthly Rate
€1,225.00
35% of €3,500.00
Max. Loan Amount
€267,272.73
Max. Purchase Price
€288,429.75
Purchase Side Costs
€28,842.98
approx. 10%
Summary
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
What additional costs should I expect when buying property?
Ancillary purchase costs include real estate transfer tax (3.5-6.5%), notary fees (about 1.5%), land registry fees (about 0.5%), and possibly broker fees (3.57% or shared). Total: 7-15% of the purchase price.
How do I determine a fair property price?
Compare with similar recent sales, check the local rent index, calculate the price-to-rent ratio (ideally under 25), and consider getting an independent property valuation.
What ancillary costs should I budget for a property purchase?
In Germany ancillary purchase costs typically run 10–15 % of the purchase price: property transfer tax (3.5–6.5 % depending on state), notary and land register (~1.5–2 %), and optionally agent commission (up to 3.57 %).
Guide
What is the Real Estate Calculator Germany?
The property calculator computes the total cost of a property purchase including ancillary costs and determines the required financing.
How does the Real Estate Calculator Germany work?
Enter the purchase price, equity and state. The calculator adds transfer tax, notary fees and broker commission. It computes the financing requirement and the monthly instalment at a given rate and repayment.
Key Data and Facts
Ancillary purchase costs: 7-15% of purchase price (depending on state). Transfer tax: 3.5-6.5%. Notary and land register: approx. 1.5-2%. Broker: approx. 3-4% per side.
Step-by-Step Guide
How to calculate the total costs of a property purchase step by step: 1. Enter the purchase price: the price agreed in the purchase contract. 2. Calculate the incidental purchase costs: real estate transfer tax (3.5-6.5 % depending on the federal state). Notary and land registry fees (approx. 1.5-2 %). Estate agent commission (approx. 3-4 % per party, split 50:50 by law). 3. Total costs: purchase price + incidental costs. 4. State your own equity: recommendation: at least 20-30 % of the purchase price plus incidental costs. 5. Financing requirement: total costs minus own equity. 6. Calculate the monthly instalment: loan amount x (nominal interest rate + repayment) / 12. Recommended initial repayment: at least 2-3 %. The monthly burden should not exceed 35 % of net income. 7. Plan for ongoing costs: maintenance (1-2 % of the property value/year), property tax, insurance and the housing fee (for owner-occupied flats).
Calculation Example
Kaufpreis 350.000 EUR in NRW. Grunderwerbsteuer (6,5 %): 22.750 EUR. Notar/Grundbuch (1,8 %): 6.300 EUR. Makler (3,57 %): 12.495 EUR. Nebenkosten: 41.545 EUR. total: 391.545 EUR.
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Bürgerliches Gesetzbuch (BGB)
- Rechtsanwaltsvergütungsgesetz (RVG)
- Bundesministerium der Finanzen (BMF)
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
Real Estate
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