Mortgage calculator for Germany
Long fixed periods and a large deposit expectation, with purchase costs — transfer tax, notary, land registry and agent commission — that routinely add a tenth to the price.
Mortgage calculator
Change any field and the figures update as you type. Everything is worked out in your browser: no number you enter is transmitted or stored.
How this market works
| Currency | EUR € |
|---|---|
| Typical rate (annual) | 3.7 % |
| Term | 25 years typical · up to 35 |
| Typical deposit | 20 % |
| Purchase costs | Property transfer tax 5.5%, Notary fees 1.5%, Land registry 0.5%, Estate agent commission 3% |
| Official sources | Deutsche Bundesbank — interest rate statistics · BaFin — consumer information |
The starting figures are indicative values for this market, not an offer or a quote. Change any of them — the calculation updates as you type, and nothing you enter leaves your browser.
Related guides
How a Mortgage Actually Works, Start to Finish
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APR and Fees: Why the Cheapest Rate Is Often the Expensive Deal
A large arrangement fee can turn the best headline rate into the worst offer. Here is how APR works, what it misses, and how to compare properly.
Repayment or Interest-Only? What You Owe at the End
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