Principal and interest
Breakdown over the full mortgage
Principal€0
Interest€0
Germany · EUR
Germany mortgage calculator.
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.
€
€
€
Total interest saved€0
Time savedNo change
New payoff date—
Balance comparison
Standard paymentsWith extra payments
Calculate a mortgage in Germany
This calculator estimates monthly payments, total interest and the remaining balance of a German home loan. Add property tax, building insurance and service charges for a broader monthly budget.
Equity and German acquisition costs
Property transfer tax, notary, land-register and possible brokerage costs vary by federal state and transaction. Adjust the percentages for your situation. The calculator presents these as upfront costs rather than automatically financing them.
Fixed-interest period and refinancing risk
The main calculation holds the entered rate constant for comparison. Use the stress scenario to test a higher follow-on rate. The actual remaining balance and refinancing offer may differ.
Model extra repayments
Monthly, annual and one-time extra payments show potential interest and time savings. Check the special-repayment allowance and early-repayment terms in the mortgage agreement.
Planning estimate only. Bank valuation, APR, equity, development-loan eligibility, follow-on rates and regional acquisition costs may change the actual offer.