How much property can I afford in Berlin?
After tax and social security. Do not include child benefit.
Where are you buying?
More assumptions
Is an estate agent (Makler) involved?
Share of the loan you repay in the first year.
Loan as a share of the purchase price. Your own funds cover the rest and the purchase costs.
A common starting point. Banks check your full household budget.
Estimated maximum price
€405,797
Check this estimate against real lenders
Banks look at more than income: residence status, employment and own funds. Answer a few questions and I will review your situation personally.
Baki Sürmeli
MRICS, business graduate, real estate professional and managing director
How the calculator works
- Monthly payment: net income minus existing loan payments, times the share for the payment.
- Loan: twelve monthly payments divided by interest rate plus initial repayment.
- Price: loan divided by the loan-to-value.
- Own funds needed: price minus loan, plus purchase costs.
The calculator runs in your browser. Nothing you enter is sent anywhere unless you send an inquiry.
What the result means
The result is a starting point for your search, not a bank decision. Banks usually expect the purchase costs to come from your own funds, together with the part of the price the loan does not cover. I can check which lenders fit your income, own funds and residence status.
Purchase costs in Berlin and Brandenburg
Transfer tax is 6.0% in Berlin and 6.5% in Brandenburg. If an estate agent is involved, the buyer usually pays 3.57% including VAT.
| Cost | Berlin | Brandenburg |
|---|---|---|
| Transfer tax (Grunderwerbsteuer) | 6.0% | 6.5% |
| Notary and land registry | about 2.0% | about 2.0% |
| Estate agent, buyer's share | usually 3.57% | usually 3.57% |
| Total with estate agent | 11.57% | 12.07% |
| Total without estate agent | 8.0% | 8.5% |
Since December 2020, a private buyer of an apartment or a house pays at most half of the estate agent fee. New builds bought directly from the developer are often sold without an estate agent.
What banks look at when you are new to Germany
Residence status. Many banks lend to EU citizens and permanent residents on standard terms. With an EU Blue Card or another permit, fewer banks are available and more own funds are often expected.
Employment. A permanent contract after probation is the standard case. Many banks wait until probation is over. Fixed-term contracts and self-employment need more documents.
SCHUFA. Banks check your German credit record. A short record is normal for newcomers. Banks then look more closely at your income and bank statements.
Loan-to-value. The purchase costs usually come from your own funds. A lower loan-to-value often means a lower interest rate.
Frequently asked questions
Can foreigners buy property in Berlin?
Yes. Germany does not restrict property purchases by foreign nationals. Whether a bank finances the purchase depends on your residence status, income and own funds.
Can I get a mortgage with an EU Blue Card?
Yes, several banks finance buyers with an EU Blue Card. Expect stricter terms than for permanent residents, often more own funds and a closer look at your contract.
How much of my own money do I need to buy in Berlin?
At least the purchase costs: 8.0% to 11.57% of the price in Berlin, depending on whether an estate agent is involved. Many banks prefer to see more.
Does my probation period matter?
Yes. Many banks only lend once probation is over. You can prepare documents and compare offers before that.
I have no SCHUFA record yet. Can I still get a mortgage?
A short or empty record is common when you are new to Germany. Banks then rely more on your income, contract and bank statements.
Is the result a loan offer?
No. It is an estimate based on your inputs and the assumptions on this page. Interest rate and approval come from the lender.
Non-binding estimate. Not a financing commitment and not advice under § 34i GewO. Assumptions as of 8 October 2026.