How Much Can I Borrow in Germany?
Enter your net income, your savings and the interest rate you expect: you will see the maximum purchase price, the size of the loan and whether your income or your equity sets the limit.
General values (Germany). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your monthly net income and the savings you have available.
- Add the borrowing rate you expect and the term.
- Check the percentages filled in for Germany and adjust them.
- See the maximum purchase price, the breakdown and the limit that applies.
How it is calculated
Two prices are calculated and the lower one applies. By income: the loan whose payment matches the chosen share of income, plus savings, minus buying costs. By equity: the price at which your savings exactly cover the part that is not financed and the buying costs. The percentages are guide values for Germany. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
About this calculator
How it is calculated
Two limits apply at the same time when you buy a property. The first is the payment: by the rule of thumb, it should not exceed 35% of net income. The second is equity: it should cover the buying costs and around 20% of the purchase price. The calculator works out the price for each limit and takes the lower one.
What banks in Germany look at
Besides the payment, banks check the household budget, other loans, job security and your age at the end of the term. A full financing without equity is possible, but more expensive and subject to stricter conditions.
Buying costs in Germany
Real estate transfer tax (3.5% to 6.5% depending on the federal state), notary and land registry (around 2%) and often an estate agent’s commission usually add up to 10% to 12% of the purchase price. The 10% filled in is a general guide value: check it with your bank or adviser.
Frequently asked questions
What limits my purchase price?
Two things at once: your income sets the highest payment (rule of thumb: 35% of net income), and your equity has to cover the part that is not financed plus the buying costs. The calculator compares both limits.
Why are the buying costs not financed?
Banks expect you to pay at least the buying costs from your own funds. That is why they are deducted from your equity.
Net or gross income?
German banks work with the household's monthly net income. If you are buying as a couple, add both incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Germany, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
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