For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.
German Sollzinsbindung (rate fix period) is typically 10, 15, or 20 years. Vorfälligkeitsentschädigung (early-repayment compensation) applies if you pay off during the fix period (capped by §502 BGB). Bausparvertrag (state-subsidised home-loan-savings contract) is a parallel pillar of the market. Notar + Grunderwerbsteuer (3.5-6.5%) add closing costs.
Typical fixed-rate band
3.50–4.50%
2026 headline range
Typical floating / variable
4.50–5.50%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
80%
Typical deposit 20%
Typical term
25 yrs
Vorfälligkeitsentschädigung — capped by §502 BGB
Pre-populated with the median fixed rate, typical deposit %, and typical term from DE lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
€400,000
LTV 80.00%
Monthly P&I
€2,111
25y at 4.00%
Total interest
€233,404
Total cost €633,404
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
Grunderwerbsteuer varies 3.5–6.5% by Land. Notar + Grundbuch + Maklerprovision push total closing toward 9–11% of the price.
On top of the home price — that's 9.1% of the price.
| Line item | Amount |
|---|---|
Grunderwerbsteuer (Bayern) 3.5% real-estate transfer tax for Bayern. | €17,500 |
Notarkosten Notary fees per GnotKG fixed schedule — buyer pays. | €7,500 |
Grundbuchamt (Land registry fee) Half the GnotKG notary scale; mandatory. | €2,500 |
Maklerprovision (buyer share) Typical 3.57% inc. 19% VAT; agent commission halved with seller since 2020. | €17,850 |
| Total | €45,350 |
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
DE mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.