Determine financing framework
calculate the maximum financing limit
The web calculator for determining the maximum financing limit offers you, with four adjustable parameters, a quick but very good indication of the maximum loan amount that could be given to you for a private real estate financing project, a home in Germany. To put it simply, this is a backwards calculation that takes certain factors into account in the background and gives you an immediate result. All you have to do is state the interest rate, your monthly net household income, other liabilities and your age. By entering your specific values and adjusting the sliders, it determines the recommended loan term, the conceivable maximum financing limit, and the resulting necessary monthly financing rate for your real estate financing or construction financing project.
Find out the maximum recommended purchase price
Continue with the web calculator and enter your available equity, the possible percentage brokerage fee rate and the real estate transfer tax for the federal state in which you are looking for a property, then you will also find out the even more important indicators - the maximum recommended purchase price that corresponds to your financing framework fits and the overall cost framework, which results from the previously determined values and your entries. Regardless of whether it is an existing property or a new building - the calculator can also be used for a planned new building project or your own building project.
Assessment serves for budget orientation
It should be mentioned that this web calculator does not represent all conceivable scenarios and is aimed specifically at interested parties who want to purchase a property as their own home for the first time and need an assessment for their personal orientation in preparation for the property search. This allows you to check your budget framework. In this calculation, the loan term is always designed for the maximum recommended period - this period results from the difference between the usual standard retirement age and your current age. The necessary monthly financing rate is limited by a fixed factor, which is based on your household net income.
Have the financing framework confirmed with a financing certificate
If you have your personal financing framework with oneFinancing certificate If you would like to have it confirmed, simply present your project to us using our digital financing certificate assistant and you will immediately receive a document that provides you with qualified proof for the broker or seller of a property.
Calculate financing rate
Financing rate calculator – simple, precise and transparent
We know that real estate financing can be complex, which is why we have designed our financing rate calculator to be easy to use for an initial indication. All you have to do is enter the following details:
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Purchase price of the property
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Additional costs incurred
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Availability of equity capital
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Desired initial repayment rate
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Assumed borrowing interest rate
Based on this information, the calculator quickly and easily calculates your potential financing rate, as well as the degree of financing and the loan term. The result gives you an overview of the monthly burden that you can expect when financing the planned property purchase.
Financing calculator based on the annuity loan
Our financing calculator is based on the principle of the annuity loan, the usual choice for real estate financing. With an annuity loan, the total annual burden, consisting of interest and repayment, remains constant over the entire term unless the interest rate is adjusted. However, the ratio between the interest and repayment portion shifts over time, as the interest portion decreases as the remaining debt decreases and the repayment portion increases accordingly.
With our financing calculator you can simulate an annuity loan to determine what monthly payment you will receive and at the same time you can determine the initial repayment rate that suits you.
Identify financing offers with valid financing rates
As soon as you have been able to get an initial overview with the simplified financing calculator, but you now want to examine a specific project and identify, compare and apply for valid financing offers, ours is more innovative and interactiveDigital financing offer assistant. You will be guided intuitively through the web application and can calculate your personal financing offers in a dashboard after just a few minutes.
Calculate additional purchase costs
How can the additional purchasing costs be calculated?
Our purchase additional costs calculator is an intuitive tool that you can use to specifically calculate the additional purchase costs, also known as additional purchase costs. The results show you a simple breakdown of the expected costs and thus provide a solid basis for your financial planning. To simplify matters, the notary fees were set at a flat rate of 2%.
The main factors that go into this calculation include:
Real estate transfer tax
The real estate transfer tax is an important cost component when buying a property. It is different in each federal state and can vary between 3.5% and 6.5% of the purchase price. Our calculator allows you to calculate the specific property transfer tax for each federal state in Germany.
Notary and court costs
When buying a property, notary and court costs inevitably arise. These cover the costs of certifying the purchase contract, registering the land charge and transferring ownership in the land register. Further fees such as a notary escrow account or a notary confirmation may apply. Usually these costs are around 1.5 - 2.2% of the property price.
Brokerage fees
Brokerage fees can vary significantly depending on the state, property type and individual agreement. Since December 2020, the brokerage costs have generally been shared equally between the buyer and seller if it is a single-family home or condominium. However, the fees can vary between 1.5% and 7.14% including VAT of the purchase price.
Purchase additional costs calculator – quickly determine the costs when purchasing real estate
Enter the purchase price and the percentage for the real estate transfer tax and the brokerage fees to determine the total additional purchase costs.
A notice:
The results represent a model calculation and are subject to change. We assume no liability for the result of the calculation. The calculated total of the additional purchase costs is an example or is based on your entries.
Determine interest rates
Top interest rate conditions table: Initial orientation to the current interest rates
We start with our top interest rate calculator. This simple but powerful tool gives you a quick overview of the current interest rates, which is an important guide when planning your financing.
Individual financing with the financing configurator
If you would like a deeper insight into your personal financing options, we recommend ourFinancing configurator. This innovative web application not only allows you to identify individual financing offers, but also offers you the opportunity to prepare your project, compare and apply for offers from over 500 banks in real time.
This allows you to record your financing project and possible interest rates even more precisely and find a tailor-made financing solution.
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