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Mortgage financing calculator Model a German property financing from capital need, equity, borrowing rate and initial repayment or desired payment, including balance and schedule.
Calculation note This calculation is for general orientation only. The result is based on your inputs and the stated assumptions, and may contain rounding.
The result does not constitute investment, credit, insurance or financial advice.
Terms of use Explanation
How Mortgage financing calculator works The calculator uses the same central annuity and amortisation functions as the existing loan calculators. It links capital need with payment, fixation, balance and optional annual extra repayment.
Two calculation directions Payment from initial repayment Monthly payment = loan × (borrowing rate + initial repayment) / 12Percentages are divided by 100 before calculation.
Initial repayment from payment Initial repayment = monthly payment × 12 / loan − borrowing rateThe payment must exceed the initial monthly interest.
Monthly schedule Interest = remaining balance × borrowing rate / 12; Repayment = payment − interestAt each full year-end, the optional extra repayment reduces the balance.
Follow-on rate is not forecast The entered borrowing rate remains constant over the model term. The balance at fixation end matters more than an apparently exact long-term forecast.
Practice
Practical examples For illustration only – your own calculation is what counts.
Payment from rate and initial repayment €400,000 price, €40,000 costs, €100,000 equity, 3.5% borrowing rate, 2% initial repayment, ten-year fixation and no extra repayment.
Result: Loan €340,000; initial monthly payment €1,558.33.
Repayment from desired payment Total need €440,000, equity €100,000, borrowing rate 3.5% and desired payment €1,800.
Result: Loan €340,000; calculated initial repayment about 2.85% and modelled term about 22 years 11 months.
Omitting purchase costs from the loan need Only the purchase price is planned.
Enter purchase costs and available equity completely.
Confusing fixation with total term The end of fixation is read as full repayment.
Review the fixation-end balance and modelled term separately.
Planning extra repayment without contract rights Any annual payment is assumed possible.
Use only contractually permitted amounts and dates.
FAQ
Frequently asked questions How is the loan amount determined? Purchase price and costs are added and equity is deducted. A negative amount is limited to zero.
How is the annuity calculated? In repayment mode, the initial annual annuity is loan times borrowing rate plus initial repayment. Payment mode uses the entered monthly payment.
What does desired-payment mode calculate? It derives initial repayment from payment, loan and rate and simulates the term with the shared amortisation schedule.
What is the balance at the end of fixation? It is the loan balance after modelled payments and extra repayments. A different rate may apply to follow-on financing.
How is extra repayment handled? The engine applies the entered amount at the end of each full loan year. Contractual dates and limits may differ.
Are total interest costs binding? No. They assume a constant borrowing rate over the model term. Follow-on rates, fees and commitment interest are omitted.
What if the payment is too low? If it does not cover initial interest, no repayment occurs and the input is rejected.
What do equity and loan-to-purchase ratios show? Equity is related to total capital. The simplified loan ratio uses purchase price and is not a bank loan-to-value assessment.
What is in the amortisation schedule? It summarises annual payments, interest, principal and remaining balance from the shared annuity model.
Is this a loan offer or advice? No. It is a model and does not assess creditworthiness, actual terms or personal affordability.
The borrowing rate remains constant after fixation; no follow-on rate is forecast. Fees, commitment interest, subsidised loans, rate changes and individual payment dates are omitted. The loan ratio is a simple purchase-price ratio, not a bank valuation. No financing approval or personalised financial advice. Sources
Sources and references Immobilienkredit Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) Official consumer information on property loans, fixation, repayment and risks.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source § 489 BGB – Ordentliches Kündigungsrecht des Darlehensnehmers Bundesministerium der Justiz / Bundesamt für Justiz Official legal basis for borrower termination rights; the engine does not test its conditions.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source § 17 PAngV – Immobiliar-Verbraucherdarlehen Bundesministerium der Justiz / Bundesamt für Justiz Official disclosure rules for property consumer loans; the calculator does not determine the legally relevant offer APR.
View source Retrieved: 07/30/2026 · Verified on: 07/30/2026 · Primary source Related calculators
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