Home & Mortgages

Dreaming of a place of your own? Let's start with the real numbers.

The purchase costs, what a mortgage payment is made of and the questions to answer before you sign.

Not sure where to begin?Is it cheaper to rent or to buy here?Start with the comparison. It shows what buying really costs before you look at a single loan offer.

Buying a home, in one paragraph

Most people buy with a mortgage (Baufinanzierung) and some money of their own (Eigenkapital). On top of the price come purchase costs such as property transfer tax and notary fees.

Year 1€9,709 interest · €5,691 repayment

Year 10€7,606 interest · €7,794 repayment

Year 20€4,345 interest · €11,055 repayment

Interest (a cost)Repayment (builds equity)

€280,000 annuity loan at an assumed 3.5% with 2% initial repayment: €1,283.33 a month. The payment stays the same; the interest share shrinks. A calculation with an assumed rate, not an offer.

Words in every property listing

Baufinanzierung: Financing for buying or building a home.
Eigenkapital: The money you bring in yourself.
Kaufnebenkosten: Costs on top of the price: transfer tax, notary, land registry and sometimes an agent.
Grunderwerbsteuer: Property transfer tax. The rate depends on the federal state.
Zinsbindung: How many years your interest rate is fixed.

Try it with your own numbers

Inflation & Purchasing PowerWhat will €100 still buy in 20 years? (Maths only)Live

Dreaming of a place of your own? Let's start with the real numbers.

Other questions in Home & Mortgages

Buying a home, in one paragraph

Words in every property listing

Try it with your own numbers