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Mortgage calculator Germany

The monthly payment is only part of the picture. Free mortgage calculator for Germany: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.

Costs on top of the price

€22,600

Any buyer · Bavaria 3.5% ·

5.7% of the price

Property transfer tax€14,000

Notary & land registry€8,000

Independent survey€600

Cash needed if you buy outright€422,600

Price

What do you want to work out?

Your monthly repayments, the deposit and the cash you need on day one.

Region

Price

Deposit · 25%

Interest rate % (example)

Term (years)

Monthly repayment

€1,51825 years at 3.6%

Loan

€300,000

Deposit

€100,000

Total interest

€155,402

If rates rise 1%

€1,685

If rates rise 2%

€1,860

Cash needed on day one

€122,600

Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

🇬🇧United KingdomStamp duty 0–12%🇺🇸United StatesClosing costs 2–5%🇪🇸SpainITP 6–13% or VAT 10%🇫🇷FranceNotaire 7–8%🇮🇹ItalyRegistration 2–9%🇵🇹PortugalIMT + 0.8% stamp 🇩🇪GermanyTransfer tax 3.5–6.5%🇮🇪IrelandStamp duty 1–6%🇳🇱NetherlandsTransfer tax 0–8%🇧🇪BelgiumRegistration 2–12.5%🇦🇹Austria3.5% + 1.1% registry 🇬🇷GreeceTransfer tax 3.09%🇨🇾CyprusTransfer fee 3–8%🇲🇹MaltaStamp duty 5%🇭🇷CroatiaTransfer tax 3%🇦🇪Dubai (UAE)DLD fee 4%🇦🇺AustraliaStamp duty by state 🇳🇿New ZealandNo stamp duty 🇨🇦CanadaLand transfer tax

Next steps

Get quotes · Germany

Buying in Germany: common questions

How much is property transfer tax on €400,000 in Germany?

Any buyer in Bavaria 3.5%: property transfer tax is about €14,000. All buying costs together come to about €22,600, or 5.7% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in Germany?

No. Foreign buyers pay the same purchase taxes as local buyers in Germany. Some rules on who can buy, or which rate applies, can still depend on where you live.

Can foreigners buy property in Germany?

No limits on foreign buyers, and the same transfer tax.

What do I need to buy a home in Germany from abroad?

A notary (Notar) to draw up and sign the contract. A German bank account is usually expected.

When were these Germany rules last checked?

We last updated the figures on 14 Oct 2026 and checked them against official sources on 14 Oct 2026. We check every country every week, and show a warning if a check is overdue.

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