Projected home equity
Property value minus projected secured debt
Germany · EUR
Germany home equity calculator.
Estimate how much of your property you own, usable equity at a target LTV and the effect of additional secured borrowing.
Property-value sensitivity
Estimated equity after proposed borrowing and immediate mortgage paydown
| Value change | Property value | Secured debt | Home equity | Equity percentage | Combined LTV |
|---|
Year-by-year equity projection
Uses your entered property-growth and mortgage-paydown assumptions
| Year | Property value | Existing secured debt | New borrowing | Total debt | Home equity | Combined LTV |
|---|
Planning estimate only—not a valuation, credit decision or commitment to lend. A lender assesses income, expenses, credit, loan purpose, property, valuation and serviceability. Borrowing secured against your home puts the property at risk if repayments are not made.
How to calculate home equity in Germany
Home equity is the estimated property value minus the mortgage and other debt secured against it. Usable equity is lower because a lender retains a lending margin and applies its own property valuation and affordability assessment.
Estimate usable equity
The calculator applies your chosen LTV ceiling to the property value and subtracts existing secured debt. The percentage is editable and is not a guaranteed German lending limit.
Additional secured borrowing
Model an amortising loan or interest-only credit line, estimated costs and the equity retained after borrowing. Compare total repayment and risk rather than only the first monthly payment.
Property-value and repayment scenarios
The sensitivity table and projection show how changes in property value and mortgage repayment could affect equity. They are planning scenarios, not forecasts or lending offers.