Baufinanzierungsrechner (Zins & Tilgung)
Baufinanzierungsrechner: Monatliche Rate, anfängliche Tilgung, Zinsbindung und Restschuld für Ihren Immobilienkredit berechnen. Kostenlos & schnell.
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Also with the germany mortgage calculator
About this tool
Berechnen Sie Ihre monatliche Kreditrate für Ihre Immobilienfinanzierung mit Kaufpreis, Eigenkapital, Sollzins, anfänglicher Tilgung und Restschuld.
How to use it
- 1 Enter property purchase price and available equity deposit.
- 2 Specify the borrowing interest rate (Sollzins % p.a.) and initial Tilgung rate (% p.a.).
- 3 Select the fixed interest period (5, 10, 15, or 20 years).
- 4 Review your monthly annuity payment, total interest paid, and remaining debt at end of term.
Questions
Wie hoch sollte die anfängliche Tilgung sein?
Banken empfehlen in Niedrig- und Normalzinsphasen eine anfängliche Tilgung von mindestens 2,0% bis 3,0% pro Jahr, um die Gesamtlaufzeit überschaubar zu halten.
What is initial Tilgung in a German mortgage?
Anfängliche Tilgung is the percentage of the initial loan amount repaid towards the principal in the first year. German banks typically recommend at least 2% to 3% p.a.
What happens at the end of the Zinsbindung period?
When your fixed-rate term ends, you either repay the remaining debt (Restschuld) in full or negotiate a follow-up financing agreement (Anschlussfinanzierung) at current market interest rates.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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