Germany mortgage calculator 2026
A €350,000 mortgage in Germany over 30 years at 3.95% works out to a monthly payment of €1,660.88, with €247,917.08 paid in total interest. Enter the loan amount, interest rate and term to see the monthly payment under the German mortgage market.
Not sure how much the bank will lend you? Mortgage affordability – Germany
Monthly payment: €1,420.17
Total paid: €511,258.29 · Total interest: €211,258.29
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | €11,694.37 | €5,347.67 | €294,652.33 |
| 2 | €11,480.37 | €5,561.67 | €289,090.66 |
| 3 | €11,257.82 | €5,784.22 | €283,306.44 |
| 4 | €11,026.36 | €6,015.68 | €277,290.76 |
| 5 | €10,785.65 | €6,256.39 | €271,034.37 |
| 6 | €10,535.28 | €6,506.76 | €264,527.61 |
| 7 | €10,274.92 | €6,767.12 | €257,760.49 |
| 8 | €10,004.11 | €7,037.93 | €250,722.56 |
| 9 | €9,722.50 | €7,319.54 | €243,403.02 |
| 10 | €9,429.58 | €7,612.46 | €235,790.56 |
| … | |||
| 30 | €357.19 | €16,681.94 | €0.00 |
Bank rate comparison — Market average: 3.93 % (2026-07)
This calculation is indicative only. The market average is a snapshot as of the date shown and doesn't account for Kaufnebenkosten (~10–12%). It does not replace a binding bank offer.
How a German mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the rate-fixation period (Sollzinsbindung), only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
German banks don't publish uniform rate tables — the calculator therefore shows only the market average.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| €150,000.00 | €710.08 |
| €250,000.00 | €1,183.47 |
| €350,000.00 | €1,656.86 |
| €450,000.00 | €2,130.25 |
| €600,000.00 | €2,840.33 |
| €800,000.00 | €3,787.11 |
Frequently asked questions
What is the monthly payment on a €250,000 mortgage in Germany over 30 years?
At a rate of 3.95% over 30 years, the monthly payment is €1,186.34.
What is the monthly payment on a €450,000 mortgage in Germany over 30 years?
At a rate of 3.95% over 30 years, the monthly payment is €2,135.42.
What is the monthly payment on a €600,000 mortgage in Germany over 30 years?
At a rate of 3.95% over 30 years, the monthly payment is €2,847.22.
How much total interest do I pay on a €350,000 mortgage in Germany?
On a €350,000 mortgage over 30 years at 3.95%, you'll pay €247,917.08 in total interest.
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is Sollzinsbindung?
The rate-fixation period, typically 10 or 15 years. After it ends, the bank offers a new rate (Anschlussfinanzierung).
What does 2% Tilgung mean?
The standard initial annual principal-repayment rate in Germany — this calculator derives the payment directly from the annuity based on rate and term.
Why doesn't the calculator compare specific banks?
German banks don't have public rate tables — the rate is set individually based on creditworthiness and loan-to-value.
How much can I borrow on my income?
That's answered by the separate mortgage affordability calculator — Germany has no statutory limits, only bank practice.
Related tools
Last updated: 18 July 2026