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From your monthly payment budget to an indicative maximum loan amount. A quick orientation before you search listings, compare lenders or book a financing consultation.
Your monthly payment
Drag the slider to set the monthly mortgage payment you are comfortable with.
Typical planning range for owner-occupier mortgages in Germany. Lenders may assess a different ceiling based on income and equity.
Indicative maximum loan
Planning figure based on your selected monthly payment. Not a bank approval.
- Interest rate: 4.0% p.a.
- Initial repayment: 1.5% p.a.
- Combined annuity factor: 5.5% (interest + repayment)
- Formula: max loan = (monthly payment × 12) ÷ 5.5%
What this calculator is useful for
Before you spend weekends on viewings, it helps to know what monthly payment and loan size are realistic for your profile. This tool gives a fast answer from your payment comfort zone, using transparent assumptions you can see on the results panel.
Lenders look at income, employment, residency, equity, SCHUFA and the property itself. This page does not replace that review. It helps you set a search ceiling and decide whether a financing conversation is worth having now.
Pair the result with total purchase costs and, if you are comparing rent, a rent vs buy analysis. Add equity on top of the loan figure to estimate what purchase price you can target.
Why affordability checks matter early for expats
Residency status, foreign income and document requirements can shift what lenders offer. Running a quick affordability check before you fall in love with a listing saves time and helps you negotiate with a credible budget.
Finance for Expats pre-screens lender options for expat profiles and supports you from the first affordability view through document preparation and approval.
Explore Loans & MortgagesLoans serviceCommon questions about affordability
Short answers before you rely on a calculator result. See our Financing & Loans hub or Buying Property hub for next steps.
It translates a monthly mortgage payment budget into an indicative maximum loan amount using a fixed interest and repayment assumption. Use it to set a realistic search range before you view properties or request a formal financing quote.
No. Banks also weigh income, employment, residency, equity, SCHUFA and property specifics. This tool is a quick orientation based on payment capacity and standard annuity assumptions, not a binding approval.
The calculator uses a combined annuity factor of 5.5% per year (4.0% interest plus 1.5% initial repayment) to convert a monthly payment into an indicative loan amount. These are planning assumptions shown on the results panel, not a live market rate for your case.
This calculator focuses on how much you may be able to borrow. Total purchase cost also includes ancillary fees and taxes that banks do not finance. Add your equity and run a total cost of ownership check before you fix a maximum bid.