Real Estate Calculator Germany
How much property can you afford in Germany? From net income, equity, interest and repayment rate: maximum monthly payment, loan amount and purchase price.
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.
How much does the interest rate affect the maximum purchase price?
The calculator derives the possible loan from your maximum monthly payment: annual payment / (interest rate + initial repayment). With the defaults (3,500 euros net income, 35% of it = 1,225 euros payment, 50,000 euros equity, 3.5% interest, 2% repayment, 10% ancillary purchase costs) that is a loan of about 267,273 euros and a maximum purchase price of about 288,430 euros. If the interest rate rises to 4.5%, the loan drops to about 226,154 euros for the same payment and the maximum purchase price to about 251,049 euros, so one percentage point more interest costs a good 37,000 euros of purchase price here. The calculator first deducts the ancillary purchase costs from the budget of equity plus loan.
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
Purchase price 350,000 EUR in North Rhine-Westphalia. Real estate transfer tax (6.5%): 22,750 EUR. Notary/land registry (1.8%): 6,300 EUR. Estate agent (3.57%): 12,495 EUR. Purchase costs: 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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