Interest rates in Munich
5 years
10 years
15 years
20 years
30 years
756 €
815 €
945 €
1,009 €
1,113 €
Mortgage calculator for Munich
Loan amount
Monthly repayment
What is the purchase price?
500,000 €
What down payment do you want to make?
20,000 €
Calculate mortgage

Munich – “A safe bet for investment?”

Market trends & outlook

With offerings such as lush green parks, great geographical location and excellent infrastructure, it is no surprise that the capital of the state Bavaria, Munich, is the most expensive city in Germany. Thanks to great quality of life, safety (lowest crime rates in Germany), and international flair, Munich is an ideal place for people to work and live.

Munich currently has a population of more than 1.5 million people, more than 29% of the population have an immigrant background, and 50% of those are originally from other parts in the EU. And a total of 1.8 million people are expected to live in Munich by 2023. A relatively low unemployment rate, which currently stands at 3,9%, a high employment growth rate of 3% and a high share of employees that have at least one university degree have all fueled demand for housing. Munich has a vacancy rate close to zero and faces a shortage of 40,000 residential units.

Being the most important location for insurance and financial services companies (after Frankfurt), Munich has also become a fertile ground for startups. It has access to a large pool of young talented people, who are enrolled at the city's 17 universities or higher education institutions. Renowned institutes such as the Fraunhofer Society and the Max-Planck Society lead and support research and science activities in the region. Munich is home to some of Germany's largest companies, including BMW, Siemens and Allianz.


How prices are growing in
major German cities?

Germany's strong economic growth has resulted in price increases across German cities: On average the prices doubled in the last 10 years. Rents also follow the house price development in Germany: the average increase amounts to 50% between 2008 ad 2018.

In Munich, the average annual property prices per square meter has increased from 2.800€ in 2008 to 6.880€ in 2018. Meanwhile, the average rent prices per square meter also increased from 11,50€ in 2008 to 18,45€ in 2018.

Apartment rental prices ’08-18’ (Euro/sqm/month)
Year 2018
Year 2008
n = 55,600 rented apartments from 80 to 120 sqm. that were inserted in in the first half of 2008 and 2018. Source: Statista and TheLocal 2018

About us

LoanLink is a German mortgage advisor that specializes in helping international clients access Munich real estate. Our Munich mortgage broker team is experienced, and walks clients through the process in English. With a strong technological platform, we can identify the best mortgage rates among 400+ regional and global German banks.

Our smart online mortgage platform guides you through the German mortgage process at any time of day or night. And, our mortgage calculator shows a complete picture of what your mortgage might look like. To make the process easy for non-German speakers, all resources are in English. Best of all, our service is free.

LoanLink is registered and controlled by the surveillance authority in Munich.

Best interest rates

Our algorithm scans mortgages from more than 400
partner banks to find the best deal possible for you

Professional advice

Our experts are specialized to advise non-German residents,
are certified mortgage brokers and are fluent in English

Low cost

We don’t charge you any fees. Since we are independent
of single banks, we focus on finding the best offer available

Working in Germany?
Expats or residents who live and pay taxes in Germany may be able to secure different rates on a German mortgage. EU Blue card holders may be eligible for different terms as well. We search the rates for 400+ banks to ensure you find the most suitable option for your individual situation.
Not working in Germany?
Perhaps you do not live in Germany, but you want to buy Munich real estate? Our Munich mortgage broker team can help foreign investors find the best rates on a non-resident home loan.

Got a question or a complex situation?

Our friendly home loan experts are happy to support you in finding a mortgage in Munich. Call us on +49 (0) 30 5683 7535 or email us at [email protected]

Başar Canıperk
Başar Canıperk
Real estate specialist
Jan Joisten
Jan Joisten
Mortgage expert
Stefan Koeppen
Stefan Koeppen
Mortgage expert
Başar Canıperk
Başar Canıperk
Real estate specialist
Jan Joisten
Jan Joisten
Mortgage expert
Başar Canıperk
Başar Canıperk
Real estate specialist
Jan Joisten
Jan Joisten
Mortgage expert
Stefan Koeppen
Stefan Koeppen
Mortgage expert
Başar Canıperk
Başar Canıperk
Real estate specialist
Jan Joisten
Jan Joisten
Mortgage expert

How it works

1. Calculate
Find out what your total loan amount would be
2. Get a quick idea
We have a powerful technological platform that quickly tells you if you qualify for a loan, and what the potential terms of the loan could be
3. Speak to an expert
Our Munich mortgage broker team helps make the German mortgage process easy by explaining what you need to do, when, and what the best options are
4. Secure your mortgage
We will deal with the rest of the mortgage process for you with your selected bank directly
German Mortgage Calculators
A mortgage calculator allows you to independently assess your situation. You can find out how much you can borrow, learn about any fees, and know what your potential monthly payments might look like.
Mortgage repayment calculator
What is my monthly repayment?
Mortgage fees calculator
How much will I pay in fees?
Affordability calculator
How much can i afford?
Mortgage rates calculator
What are the German mortgage rates?

More information on mortgages in Germany

Can’t find what you’re looking for here? We’ve got more answers on our FAQs page.

The LoanLink guide to buying
property in Germany
Download PDF

Get the Loanlink guide of buying
property in Munich

Buying a home is complicated and stressful - even for German native speakers. We’ve created a comprehensive and easy to understand guide to buying a property in Germany:

How to purchase property
How does the mortgage work
How to calculate your borrowing power

What is my monthly repayment?

§34i GewO
regulated by the Chamber of Berlin
SSL secure connection
100% secured
Secured by GeoTrust
SSL certificated
Operating and hosting
in Germany