Mortgage Calculator

The most comprehensive mortgage calculator that shows whether investing into or buying a real estate object can be interesting from the financial perspective. Select your country above to get localized calculations.

Initial Interest Rate (10 years)

0%5%10%

Refinance Interest Rate (after 10 years)

0%5%10%

Net Monthly Payment

3 €

Net After Refinancing

-267 €

Total Interest (Lifetime)

332.204 €

Purchase Price (€)

500.000 €

Own Funds/Down Payment (€)

120.000 €

Acquisition Costs (%)

10.0%

Notary, taxes, agent fees: 50.000 €

Building Share (%)

80%

Building value for depreciation: 400.000 € (from purchase price only)

Tilgung/Repayment Rate (%)

1.5%

Fixed Rate Period:

5 Years10 Years

Property Appreciation

Annual Price Increase (%)

3.0%

Expected yearly property value increase

Rental Property Details

Apartment is rented

Monthly Rental Income (€)

2.000 €

Monthly Property Costs (€)

300 €

Annual Rent Increase (%)

3.0%

Expected yearly rent increase

Effective Tax Rate (%)

42%

Tax rate for rental income/deductions

Annual Depreciation Rate (%)

2.0%

Annual building depreciation (only if rent income > 0)

Inflation (%)

2.0%

Expected yearly inflation rate

Annual Costs Increase (%)

2.0%

Expected yearly costs increase