Housing & property
Rent, buy or manage a home — with honest 2026 numbers.
Housing & property
Rent, buy or manage a home — with honest 2026 numbers.
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Section tools
Your real-estate guide
Tell us your goal — you get only the questions and tools that matter for it, with honest 2026 figures. The full toolbox stays one tap away.
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Your answer
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This property & its area
Have an address? Get the official land value (BORIS), solar potential, a 3D model and the area score — no site visit.
Numbers & tools
How much can you afford?
From your income & equity — the bank's rule of thumb.
You can afford up to ≈ €328,201
max loan ≈ €256,098 · ≈ €1,225/mo (35% of income)
Payment ≤ 35% of net income; a lower loan-to-value gets you a better rate. Kaufnebenkosten should come from equity.
How long to fix your rate? (Zinsbindung)
Longer fix = rate security at a small premium. Pick your horizon & rate view.
Variable
4.34%
10-yr fix
3.74%
Over 10-yr fix
3.98%
Suggestion
a 10-year fix — usually the best rate, and §489 lets you exit at 10 years.
ℹ️ §489 BGB: you can exit any loan after 10 years with 6 months' notice — so even a long fix has limited downside.
Tip: a Forward-Darlehen can lock a future follow-on rate today.
Educational orientation with 2026 figures — not investment, tax or legal advice. Big decisions deserve a professional.