Which Credit Suits Me?
Monthly rate, total costs, additional fees – in 60 seconds.
Find out which mortgage suits you in 60 seconds: Monthly payment, total interest, property transfer tax, notary costs – all calculated instantly. Compare different scenarios for Austria, Germany, and Switzerland.
Purchase Details
Rate Sensitivity
Purchase Summary
Scenario Compare
Pick two terms and see which plan makes more sense
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Calculation based on standard annuity formula with Austrian closing cost logic.
Next Steps
Complete your property journey
More context for your results
Closing costs and equity explained, plus more guides
Related guides
Closing costs and equity explained, plus more guides
Additional Tools & Resources
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Why Our Credit Calculator?
Transparency, accuracy and privacy first
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Results in under 60 seconds without registration
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All Additional Costs
Property transfer tax, notary, land registry – all included
Transparent
Clear breakdown of all costs
Frequently Asked Questions
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 but may be priced differently from variable rates depending on the date, term, and lender. Variable rates carry interest-rate-change risk. Compare both options using the same scenario and stress-test a rate increase.
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.
Next Step: Can I Afford This?
Check now if you meet the requirements for a loan and how much you can afford.