How much property can you really afford in Germany?
Enter your income, available equity, and target purchase price. We calculate exact closing costs by Bundesland, your required loan, and a conservative monthly payment estimate.
Your numbers
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Grunderwerbsteuer rates vary by state, from 3.5% (Bayern) to 6.5% (Berlin, NRW, etc.).
Property Transfer Tax
€24,000
Grunderwerbsteuer · 6.00%
Notary & Land Registry
€8,000
Notar + Grundbuch · ~2%
Total Closing Costs
€32,000
Transfer Tax + Notary
Required Loan Amount
€352,000
Price + costs − equity
€1,613/ month
Based on a 3.5% interest rate and 2% initial repayment (Tilgung) — a typical German Annuitätendarlehen.
Within a comfortable range (under 35% of net income).
Want a tailored analysis?
These numbers are estimates. Book a free 30-minute call to review your specific scenario, financing options, and property targets.
Disclaimer: Calculations are for informational purposes only and do not constitute financial advice. Actual interest rates, closing costs, and loan terms vary by lender and personal circumstances.