Affordability Calculator
Calculate the maximum property price you can afford based on your income and equity.
Your Situation
Max Property Price
€318,593
Loan Amount
€305,455
Cost Breakdown
Understanding the Affordability Calculator Inputs
Finding out how much house you can afford in Germany depends on your income, equity, and the specifics of your loan. Read our detailed guide on calculating affordability.
Net Household Income
Your total monthly income after taxes. Banks typically expect that your mortgage payment does not exceed 35% of this net income.
Available Equity
The cash you can bring into the purchase. Most German banks require you to at least cover the closing costs out of pocket, though bringing 10-20% of the property value into the deal will get you much better interest rates.
Interest Rate
The borrowing cost set by the bank. In Germany, rates are typically fixed for 10 or 15 years. Lower rates mean you can borrow more for the same monthly payment.
Property Location
Germany does not have a single property tax rate. The Property Transfer Tax (Grunderwerbsteuer) varies by state, from 3.5% in Bavaria to 6.5% in states like Brandenburg and NRW.
Broker Commission (Makler)
If you buy through an agent (Makler), you'll typically pay around 3.57% of the purchase price. Buying directly from an owner or developer saves you this cost.