The best conditions for your real estate loan
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Independent and neutral
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Personal consultation
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Many years of experience in the new build sector
Your direct route to a tailor-made real estate loan.
Financing a property is very individual and depends on many criteria. Let us work with our partners to find the best options for you.
Use our financing calculator and receive free and non-binding financing offers that suit you.
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Your benefits
How it works
1
Make a non-binding enquiry
Assess your desired loan directly via our financing calculator.
The assessment is of course free of charge and does not commit you to anything.
2
Discuss your offer
A financing professional will contact you within 24 hours to discuss your assessment.
At this point you can express your individual wishes and then create a tailor-made offer.
3
Complete financing
Once your financing professional has taken care of all the formalities with the lender, you'll receive the financing contract for signature.
Frequently asked questions
Probably the most frequently asked question when buying a property. Unfortunately, there is no general answer to this question, as real estate financing is a very individual matter.
There are various points that banks look at when evaluating real estate. This starts with the location of the property and ends with the age of the borrower.
Most banks look at the so-called loan-to-value ratio, which represents the ratio of equity to loan value (purchase price minus 10%). The lower the loan-to-value ratio, the better your chances of successful and healthy financing.
With an initially low repayment rate (e.g. 1%), the monthly charges (installment) are lower, but this also extends the time it takes to pay off your property. The higher the repayment rate, the sooner you will finish paying off your property.
Of course, the choice of repayment rate also depends on the current interest rate you receive from the bank for your property loan.
The most sensible fixed borrowing rate depends on the current interest rates. If interest rates are high, it is better to choose a lower fixed rate in order to get a better interest rate. If interest rates are low, it may make sense to agree a longer fixed rate in order to secure the low interest rate over a longer period of time.
Note: In most cases, you can terminate the contract after 10 years and renegotiate. Even if you have agreed a fixed interest rate of 20 years and the interest rate is significantly reduced after 10 years, it makes sense to reschedule in order to reduce the monthly burden (installment).
The monthly rate is calculated from the financing amount and the selected annuity.
Example: €500,000 (financing amount) * 6% (annuity = interest rate + repayment) / 12 months = €2,500 /month
The annuity is made up of the current interest rate that you receive from the bank and the chosen repayment rate.
The product of these two values gives the annual charge associated with the property. The financing sum x annuity divided by 12 months gives the monthly charge (installment).
The equity that is to be included in the financing determines the amount of the financing sum and thus the monthly charge (installment).
Many banks expect up to 20% of the purchase price of the property in order to obtain financing.