Our calculator focuses on residential loans and mortgages. You can compare different scenarios with varying terms, interest rates, and equity amounts.

In the DACH region, at least 20% equity is typically recommended. Banks may offer loans with less equity, but usually at higher interest rates. Our calculator shows all scenarios from 10% equity upwards.

In addition to the purchase price, you'll pay property transfer tax (3.5%), notary and land registry fees (approx. 1.5%), and possibly real estate agent fees (up to 3.6%). Our calculator includes all these costs automatically.

No, our calculator provides initial guidance. Actual terms depend on your creditworthiness, the bank, and current market conditions. For binding financing, please contact your bank or a financial advisor.

Fixed rates provide planning security over the entire term but are often higher. Variable rates are currently usually cheaper but carry interest rate change risks. Many borrowers in the DACH region choose a mix: e.g., 10-15 years fixed, then variable.

Yes, but fixed-rate loans usually incur prepayment penalties (often 1-3% of the remaining amount). With variable loans, early repayment is usually free or very cheap. Check your bank's contract details.