Purchase price calculator
The purchase price calculator provides you with an indication regarding the possible purchase price of your property. Just enter your annual gross income and your own funds and you will immediately get your result.
Possible purchase price
Please note that the possible purchase price displayed is only an approximate value.
The maximum purchase price of your property
Have you ever wondered how much a potential home could cost you in your current financial situation? With the guide value of our purchase price calculator you can quickly and easily get an answer to this very question.
But how is the maximum purchase price determined? For this purpose, two items are required, namely the gross income and the buyer's own funds. In addition, the calculation of the maximum purchase price requires assumptions regarding the interest rate of the mortgage and the amortization period.
Gross income: The gross income is used to calculate how much the monthly costs incurred by the mortgage can be at maximum. This is because the banks use the calculation of affordability to ensure that the mortgage costs do not account for more than one-third of the mortgage borrower's gross income per month (but there are also providers with less stringent guidelines). These costs include interest and amortization payments. Here, the financial institutions use an imputed interest rate of 5% for the calculation. This value is deliberately chosen to be high enough to ensure that the borrower can meet his payment obligations even if interest rates rise. For the calculation of the amortization costs, the amortization period can be used, which for our calculator is set to 15 years.
Own funds: If a bank, insurance or pension fund lends a mortgage loan for a property, the financial institution in question will first calculate the loan-to-value ratio of the customer. provides information on the ratio of the value of the property to the owner's own funds. Usually, mortgages are only granted up to an amount that corresponds to a maximum of 80% of the property value, but there are also exceptions here. This means that as a borrower, you normally have to finance at least 20% of the value of your property with own funds, so the property can not be financed via a mortgage only. Own funds include available assets on bank accounts as well as shares and bonds; under certain circumstances pension fund assets can be used to finance a property too.
Our experienced advisors know the market for mortgages and the requirements of different providers in terms of affordability and loan-to-value ratio. We find the most favorable interest rate for your mortgage and define the optimal financing strategy for your individual situation. In our consulting services, which can be used in one of our branches as well as online, we consider the offers of more than 100 providers, including banks, insurance companies and pension funds. If you are looking for the best mortgage for financing or refinancing a property, we are looking forward to your request Request advice now.