Real Estate Calculator
Comprehensive calculation for property purchase. Purchase price, ancillary costs, financing and return. Includes all acquisition costs and examples, updated.
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.
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 is the Real Estate Calculator?
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 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 die Gesamtkosten eines Immobilienkaufs step by step: 1. Kaufpreis enter: Der im Kaufvertrag vereinbarte Preis. 2. Kaufnebenkosten calculate: Grunderwerbsteuer (3,5-6,5 % je nach Bundesland). Notar- und Grundbuchkosten (ca. 1,5-2 %). Maklerprovision (ca. 3-4 % je Seite, statutory 50:50 aufgeteilt). 3. Gesamtkosten: Kaufpreis + Nebenkosten. 4. Eigenkapital angeben: Empfehlung: mindestens 20-30 % des Kaufpreises plus Nebenkosten. 5. Finanzierungsbedarf: Gesamtkosten minus Eigenkapital. 6. Monatliche rate calculate: Darlehensbetrag x (Sollzins + Tilgung) / 12. Empfohlene Anfangstilgung: mindestens 2-3 %. Die monatliche Belastung sollte 35 % des Nettoeinkommens nicht uebersteigen. 7. Laufende costs einplanen: Instandhaltung (1-2 % des Immobilienwerts/year), property tax (Grundsteuer), Versicherungen und Hausgeld (bei Eigentumswohnungen).
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.
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