The guide to the factors that determine your maximum property loan size in Germany. Find out how much you can borrow using our calculator below. We also compiled a list to your most pressing property financing questions.
Where are you from?
It is important for German banks to assess what respective law applies in your case (e.g. German or European law).
What is your working situation?
More banks will offer mortgages to you if you live and work in Germany. However, there are also lenders providing mortgages to individuals not working in Germany.
More banks will offer mortgages to you if you have a German residence permit. However, there are also lenders providing mortgages to individuals without a German residence permit.
In which German state is the property located?
The property location determines the purchase fees (stamp duty, real estate agent fees, notary and land register fees).
What is the maximum down payment?
If you do not work in Germany: The more equity the higher your borrowing power. If you work in Germany: Your borrowing power will not be affected, but the higher the equity the better the interest rate.
What is your monthly net income?
If you want to purchase the property together with your partner: Please provide your combined monthly net income. If you work in Germany: The more income the higher your borrowing power.
In which currency do you earn your income?
If your income is not in Euro you bear the risk of currency fluctuations. More banks will offer mortgages to you if you have a Euro income. However, there are also lenders providing mortgages to individuals earning their income in other currencies.
Need advice? We can help you with finding the right lender
* The borrowing power is calculated based on what you entered and should be used as a guide only. Lender rates and products may change. We cannot recommend a product until we have double checked that the home loan is suitable for you.