Germany mortgage affordability calculator 2026
Enter your net income, existing commitments, property value and LTV to see an indicative maximum mortgage under common bank practice.
Maximum loan amount: €253,491.56
Maximum monthly payment: €1,200.00
| Limiting factor | |
|---|---|
| DSTI (payment / income) | €253,491.56 |
| Maximum loan amount | €253,491.56 |
This calculation is purely indicative and based on bank practice (DSTI ~40%, average LTV 83% per AFS Q4/2025), not a statutory limit — Germany has no DSTI/DTI/LTV limits. It doesn't account for Kaufnebenkosten or a bank's individual household budget calculation.
Why Germany has no statutory mortgage limits
Unlike most neighbouring countries, Germany has no binding DSTI, DTI or LTV limits for households. Only a general ability-to-repay check (Wohnimmobilienkreditrichtlinie) and each bank's own household budget calculation apply.
This calculator therefore uses indicative bank-practice values: 40% DSTI of net income (no living-cost deduction, since these are bank-specific) and a selectable LTV (Beleihungsauslauf) of 60/80/90/100%.
100% financing (Vollfinanzierung) exists, but at a significantly higher rate than 60–80% LTV. The average LTV of new loans in Q4 2025 was 83% per AFS, with an average DSTI of 38% — so the calculator uses realistic, market-close values.
Examples: net monthly income → max. loan (single, no commitments, 30 years, 80% LTV)
| Net monthly income | Max. loan amount |
|---|---|
| €1,500.00 | €126,745.78 |
| €2,000.00 | €168,994.37 |
| €3,000.00 | €253,491.56 |
| €4,000.00 | €337,988.75 |
| €5,000.00 | €422,485.94 |
| €7,000.00 | €591,480.31 |
Frequently asked questions
Does Germany have statutory mortgage limits like Slovakia or Poland?
No. Only a general ability-to-repay check applies — there are no central DSTI/DTI/LTV figures.
Why does the calculator still use 40% DSTI?
It's an indicative value close to the market average (38% per AFS for Q4 2025), not a statutory limit — an actual bank may use a different threshold.
What is Beleihungsauslauf?
The German term for LTV — the ratio of the loan to property value. Typical values are 60/80/90/100%, with a higher LTV meaning a higher rate.
Does 100% financing exist?
Yes (Vollfinanzierung), but banks charge a significantly higher rate for it due to the higher risk.
What are Kaufnebenkosten?
Additional purchase costs (property transfer tax, notary, land registry, possibly agent commission) — typically 10–12% of the purchase price on top; the calculator doesn't include them in v1.
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Last updated: 18 July 2026