Calculators
Conditions calculator
Monthly rate, residual debt and interest cost for your financing.
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What should we calculate?
Current rates
Loading …Fixed borrowing rate
3.55% p.a.
Effective annual rate
3.64% p.a.
For Detached / semi-detached house at a net loan of €150,000, 10-year fixed period.
| Fixed-rate period | Rate / eff. | Monthly rate | Repay. | Residual |
|---|---|---|---|---|
| 5 y. | 3.45% / 3.54% | €681 | 2.0 % | €133,654 |
| 10 y. | 3.55% / 3.64% | €694 | 2.0 % | €114,048 |
| 15 y. | 3.74% / 3.83% | €718 | 2.0 % | €89,768 |
| 20 y. | 3.9% / 3.99% | €738 | 2.0 % | €59,330 |
| 30 y. | 4.12% / 4.21% | €765 | 2.0 % | €0 |
Live market conditions, not a financing offer. Rates vary by credit, property and loan-to-value. Non-binding example calculation, not a financing offer under the §34i GewO licence.
The monthly rate of an annuity loan is the sum of nominal interest and initial repayment (Tilgung). The higher the repayment, the lower the residual debt at the end of the fixed-rate period, the core of a sustainable concept.
Good to know
What this calculator does for you
Interest & repayment split
See exactly which part of your rate is interest and which is repayment, the basis of every concept financing.
Residual debt in focus
The higher the initial repayment, the lower the residual debt when the fixed-rate period ends.
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Conditions calculator FAQ
The nominal rate is the pure interest on the loan. The effective rate also includes costs such as commitment interest and shows the real annual burden, ideal for comparing offers.
A guide value is 2–3 % initial repayment. The higher the repayment, the faster the residual debt falls. We tune it to your rate and goals in the consultation.
No, the calculator gives a realistic orientation. Your binding offer depends on credit standing, property and bank. We prepare it free and individually.
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