How the mortgage calculator works
Plan a home purchase: purchase costs (German real estate transfer tax 3.5–6.5 % by state, notary and land registry, estate agent), the loan you need after your down payment, monthly payment, balance after the fixed-rate period and amortisation schedule.
Inputs
- Purchase price
- Real estate transfer tax
- Notary and land registry
- Estate agent fee
- Down payment
- Borrowing rate p.a.
- Initial repayment p.a.
- Fixed-rate period (years)
- Special repayment p.a.
Results
- Purchase costs
- Total cost
- Loan amount
- Loan-to-value
- Monthly payment
- Amortisation schedule (annual)
- Remaining balance after fixed-rate period
- Interest during fixed-rate period
- Total term (years)
- Total interest
Show formulas
- Purchase costs:
round(kaufpreis * (grunderwerbsteuer + notar + makler), 2) - Total cost:
kaufpreis + nebenkosten - Loan amount:
max(gesamtkosten - eigenkapital, 0) - Loan-to-value:
kaufpreis > 0 ? darlehen / kaufpreis : 0 - Monthly payment:
annuityPayment(darlehen, sollzins, tilgung, 12) - Amortisation schedule (annual):
yearly(plan) - Remaining balance after fixed-rate period:
count(plan) > 0 ? last(upTo(plan, "year", zinsbindung)).balance : 0 - Interest during fixed-rate period:
sum(upTo(plan, "year", zinsbindung).interest) - Total term (years):
round(count(plan) / 12, 2) - Total interest:
sum(plan.interest)
Add your own result fields with “+ Field” – every input is available as a variable.
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