Principal and interest
Breakdown over the full mortgage
Principal€0
Interest€0
Germany · EUR
See How Your Mortgage Choices Affect Repayments
Estimate repayments, remaining balance and purchase costs for a home in Germany.
Balance over time
How the remaining loan balance changes
Amortization schedule
Annual summary including extra payments
| Year | Principal | Interest | Extra payments | Total paid | Ending balance |
|---|
Compare deposit and mortgage term
See how monthly payments and total interest change across different deposits and terms.
| Deposit | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| 10% | €3,528per month€230,037 interest | €3,020per month€319,697 interest | €2,735per month€415,377 interest | €2,560per month€516,555 interest |
| 15% | €3,332per month€217,257 interest | €2,852per month€301,936 interest | €2,583per month€392,300 interest | €2,418per month€487,858 interest |
| 20% | €3,136per month€204,478 interest | €2,684per month€284,175 interest | €2,431per month€369,224 interest | €2,275per month€459,160 interest |
| 25% | €2,940per month€191,698 interest | €2,516per month€266,414 interest | €2,279per month€346,147 interest | €2,133per month€430,463 interest |
6.50% interest rate · €450,000 property price
Interest-rate stress test
See how your payment and total interest could change if the mortgage rate rises.
0%+2.5%+5%
Stressed rate8.50%
Stressed monthly payment€3,150
Monthly difference+€600
Additional total interest+€57,024
This scenario holds the stressed rate constant for comparison. Actual variable, renewal, and lender rates may differ.
Save with extra payments
Add a monthly or yearly amount and see how much you could save over the full mortgage.
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Total interest saved€0
Time savedNo change
New payoff date—
Balance comparison
Standard paymentsWith extra payments
Plan a German mortgage in euros
This German mortgage calculator begins with the entered purchase price and subtracts your down payment to estimate the loan amount. It then models equal monthly repayments over the selected term and adds the property tax, building insurance and service charges you enter to show a broader monthly cost overview.
The calculation assumes a constant borrowing rate for the entire repayment period. This helps compare repayment choices, but the preset rate and cost examples are illustrative only and not current lender offers.
How principal and interest shape your payment
For example, a €400,000 purchase with an €80,000 down payment results in a €320,000 mortgage before separately funded buying costs. At an illustrative 4% annual borrowing rate over 25 years, the monthly principal-and-interest payment is roughly €1,689.
Interest is charged on the remaining balance. As that balance decreases, more of the fixed monthly payment goes toward principal. The yearly schedule reflects this shift and lists any extra payments separately. German lenders refer to this structure as an Annuitätendarlehen; see Interhyp’s overview of annuity mortgages.
A fixed-interest period is not the full repayment term
The term Sollzinsbindung describes how long the agreed interest rate remains fixed. A mortgage can still have a remaining balance, or Restschuld, when that period ends. That balance may require Anschlussfinanzierung, or follow-on financing.
In this model, the selected term represents the full repayment period. Controls for initial repayment rate, fixed-interest period and follow-on rate are marked as unused because they do not influence this simplified calculation. The stress test applies a higher rate from the start for the entire term rather than switching rates later.
To explore a separate refinancing scenario, enter the expected remaining balance as the financing amount, set the down payment to zero, choose a new rate and enter the intended remaining repayment term. This standalone calculation does not automatically link to the original mortgage.
Keep the down payment and Kaufnebenkosten separate
Your down payment reduces the financed portion of the purchase price. The percentages you enter for property transfer tax (Grunderwerbsteuer), notary and land-register fees, and buyer brokerage costs generate a separate estimate of upfront purchase expenses. These costs are not automatically added to the mortgage.
For example, combined assumptions of 8% on a €400,000 property produce €32,000 in buying costs. An €80,000 down payment would therefore require €112,000 alongside the mortgage, before any retained reserve. The 8% figure is illustrative and not a nationwide fee rate.
The displayed lending ratio uses the lower of the purchase price and the entered bank lending value. Lenders may assess the property differently. This calculator does not value the home and does not determine loan approval.
Property tax, insurance and Hausgeld
Annual property tax (Grundsteuer) and building insurance are divided by twelve. Monthly service charges or Hausgeld are added directly. Check what an apartment’s Hausgeld already includes before entering insurance or other costs separately.
The resulting monthly total is not a full household budget. Utilities, maintenance and other expenses may require separate planning. The debt-burden indicator compares the regular mortgage payment plus other entered loan payments with net income; it does not assess all living costs.
What extra repayments change
Monthly extras are applied each month, annual extras at the end of each twelfth month, and the lump sum after the selected year. These payments reduce principal while the regular payment stays unchanged, which may shorten the repayment period and reduce interest.
Extra payments are not included in the headline monthly total. Plan for them separately and check your mortgage’s Sondertilgung terms. The calculator does not enforce contractual limits or apply early-repayment fees.
Compare scenarios without assuming product eligibility
The deposit-and-term table compares principal-and-interest payments at the entered rate, excluding ownership costs and extra payments. The stress test also excludes those items and applies the increased rate throughout.
Selecting a variable-rate mortgage does not create a changing rate path. The bank-plus-development-loan option uses one blended rate rather than modelling separate loans. It does not simulate individual funding conditions, interest-only phases or eligibility. Always compare actual lender schedules when financing includes multiple components.
Germany mortgage calculator FAQs
How is my German mortgage payment calculated?
The calculator subtracts the down payment from the property price and calculates equal monthly principal-and-interest payments over the full repayment term at a constant rate. A €320,000 loan at 4% over 25 years gives a payment of about €1,689 before ownership costs.
Does the calculator use my initial repayment rate or fixed-interest period?
No. Those controls, along with the follow-on-rate field, are marked as unused. The calculation uses the entered borrowing rate and full repayment term. It does not automatically change rates when a shorter fixed-interest period ends.
Are German buying costs financed automatically?
No. Property transfer tax, notary and land-register charges and the buyer’s brokerage share are estimated separately from your entered percentages. They are not added to the mortgage. The down payment reduces only the financed purchase price.
What is included in the monthly total?
It includes the regular principal-and-interest payment, one twelfth of annual property tax and building insurance, and monthly service charges. Extra repayments and household expenses not entered in these fields are additional.
Can I combine monthly, yearly and lump-sum extra repayments?
Yes. The model applies monthly extras each month, yearly extras every twelve months and the lump sum after the chosen year. The regular payment stays unchanged. Contractual limits and early-repayment charges are not calculated.
Does the stress test calculate my future refinancing payment?
No. It recalculates the original loan using a higher constant rate over the whole term. It does not apply a new rate to a remaining balance after an initial fixed-interest period.
Does the development-loan option calculate separate KfW terms?
No. It models the borrowing as one loan at the entered blended rate. It does not separately calculate funding eligibility, individual interest rates, repayment-free periods or different terms for the component loans.
Planning estimate only. Bank valuation, APR, equity, development-loan eligibility, follow-on rates and regional acquisition costs may change the actual offer.