Your entry page for better financing decisions
7 key questions about income, equity, and term to prepare for your bank meeting.
Scenarios, pros and cons, and practical tips for choosing fixed vs variable rates.
Notary, land registry, transfer tax, and agent fees explained.
How equity reduces your payment, realistic minimums, and what banks expect.
Costs
Understand the key fees, a Vienna-style example, and how to plan realistic equity.
Commission rates, payment rules, and buyer/seller scenarios.
3.5% tax, timelines, and example calculations.
1.1% registry fee, primary residence relief, and timing.
Notary fees, contract drafting, and typical add-ons.
Purchase costs in Germany: property transfer tax 3.5–6.5%, notary 1–1.5%, land register 0.5% and agent fees by federal state.
Property transfer tax by German state: Bavaria 3.5% to Brandenburg/NRW 6.5%. Calculation, due date, and exemptions.
Buying process
LTV explained with 10/20/30% scenarios and bank risk expectations.
Equity requirements for German home loans: minimum share, substitutes, and impact on interest rates.
Interest rates
Compare 15/20/25-year terms and the payment vs total cost trade-off.
When banks allow financing of closing costs and required equity.
Checklist for equity proofs and accepted sources.
Annuity, repayment, fixed rates and equity explained for German mortgages.
Repayment rate, overpayment rights, and calculator: how to pay off your German mortgage faster and save on interest.
Plan your mortgage renewal: prolongation vs. refinancing, forward loan, and optimal timing when your fixed rate period ends.
Mortgage refinancing in Austria: prepayment penalty, calculating savings, timing, and bank comparison.
Subsidies
Overview of typical subsidies, requirements, and why early planning matters.
Eligibility basics, how the subsidy works, and why official sources are essential.
KfW BEG, homeownership for families, and other programs: current rates, amounts, and application process.
Bausparvertrag as equity supplement: state premium, three providers, and combination with mortgage.
Lower Austria housing subsidy: home loan, annuity grant, eco-bonus, and application steps.
Styria housing subsidy focusing on the annuity grant: how it works, income limits, and application.
Home financing in Berlin: current prices, IBB funding programs, property tax 6%, agent fees and typical financing structure.
Home financing in Munich: highest prices in Germany (avg €9,000/m²), property tax only 3.5% (Bavaria), Munich fund and KfW combination.
Home financing in Hamburg: current prices, property tax 5.5%, IFB funding and typical financing structure in the Hanseatic city.
Compare 10/15/20/25-year terms and see the trade-offs.
The 6-step process, FMA benchmarks (90% LTV, 40% DSTI, max. 35 years), fixed vs variable rates and a Vienna example – run your monthly payment in the mortgage calculator.
Is a 15-year mortgage right for you? Learn how to save up to 30% interest.
Vienna mortgage basics for Turkish-speaking buyers: equity, rates, KIM-V, and application steps.
Residency requirements, documentation checklist, and best banks for foreign mortgage applicants in Austria.
Honest, personal guide for Turkish-speaking buyers in Vienna: down payment, KIM-V, interest rates and handover protocol.
OÖ housing subsidy with points-based system: higher energy efficiency = more subsidy. EKZ tiers, Passivhaus bonus.
Salzburg housing subsidy: income-based loan up to €130,000, eco points for energy efficiency.
Tyrol housing subsidy: annuity grant, equity replacement loan, and renovation support.
Vorarlberg housing subsidy: homeownership grant with climate bonus for low-energy buildings.
Burgenland housing subsidy: income-based loan, housing allowance, and renovation grants.
Carinthia housing subsidy: Hypo funding loan, direct construction grant, and renovation support.
KIM-V expired on 30 June 2025. Understand the current FMA benchmarks for LTV, DSTI and mortgage term.
Quick calculations for your financing plan
How much equity + closing costs do you need?
Monatliche Annuität und Laufzeitvergleich berechnen.
Lohnt sich die Umschuldung? Ersparnis und Break-even.
Tools to validate your plan
We use cookies. Necessary local storage is always on; analytics cookies only with your consent. Privacy Policy · Customize
