Germany mortgage calculator
Calculate German mortgage (Baufinanzierung) monthly annuity, initial repayment (Tilgung), fixed-interest period and remaining debt.
In your browser
Next in your workflow
Popular uses
About this tool
Calculate German real estate mortgage repayments (Baufinanzierung). Factor in property purchase price, equity (Eigenkapital), borrowing interest rate (Sollzins), initial repayment rate (Tilgung 1%-3%), and fixed-rate period (Zinsbindung) to determine your monthly annuity and remaining debt (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
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.
More in Calculators & converters
- German salary tax calculator New Calculate German net salary from gross (Brutto-Netto) with tax classes 1-6, health and pension insurance, solidarity surcharge and church tax.
- Germany VAT calculator (MwSt) New Calculate German Mehrwertsteuer (MwSt) at 19% standard or 7% reduced rate, or reverse calculate pre-tax net amounts from gross receipts.
- Germany property notary & tax calculator New Calculate German property purchase ancillary costs: Grunderwerbsteuer by state (3.5%-6.5%), notary, land register and estate agent fees.
- Germany severance pay calculator New Calculate German severance pay (Abfindung) based on standard 0.5 factor, years of service, and tax savings under the Fünftelregelung.
- Germany company car calculator New Calculate taxable benefit of a German company car under the 1% rule (Dienstwagenrechner) with 0.03% commute rate and EV/hybrid tax relief.
- Germany parental allowance calculator New Calculate German parental allowance (Elterngeld) monthly payment, replacement rate (65%-67%) and total benefit for up to 14 months.