Eigenkapital (own funds)
The bank usually wants you to cover at least the additional purchase costs yourself.
All topics
Mortgages in Germany – without secrets.
Buying, building or better terms? Check in 1 minute where you stand.
We reply personally on WhatsApp
Explained briefly
Kaufnebenkosten (additional purchase costs)
Grunderwerbsteuer (real estate transfer tax), notary, land register, estate agent – often around 10–15 % of the price, depending on the federal state.
We don't quote interest rates – terms depend on the bank and your situation.
What to watch out for
- Probezeit (probation period) – many banks wait until it is over.
- SCHUFA (credit score) – pay bills on time, no unnecessary cards.
- End of the fixed-rate period – think early about follow-up financing.
How it works
- 1Quick checkA few clicks, about 1 minute.
- 2WhatsApp messageYour answers arrive as a ready-made message.
- 3Personal conversationWe get back to you personally and explain everything clearly.
Frequently asked questions
Can I get a loan if I have only been here a short time?
Possible, but harder. Banks look at your residence permit, employment contract and SCHUFA.
How much can I borrow?
That depends on income, expenses and own funds. We look at it with you in person – no promises in advance.
I have several small loans – what now?
Sometimes it pays to combine them into one with a clear monthly payment. We'll take a look.