Know what a home costs before you talk to a bank.
Enter a price and your savings. HausKlaar adds German taxes and fees, works out the loan and shows what you would pay each month, in plain English.
See all ten calculatorsYou would pay the bank
€1,974 a month
At 3.75% interest, fixed for 10 years, repaying 2% a year to start.
- Taxes and fees on top
- €52,065
- Loan you need
- €412,065
- Net income needed
- about €5,640
Fixed rate ends €312,259 left
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German rules built in
Transfer tax by federal state, notary and land registry fees, fixed-rate periods and the flat tax on investment gains, for 2026.
In plain English
Tilgung, Sondertilgung, Hausgeld: every German term is explained where you meet it.