Building trust. You decide about your property.With clear information and understandable options.
Quality & transparencyWhat can you afford, and what should remain for everyday life? Start exploring your options with the affordability calculator.
A sustainable purchase plan considers the property price, additional acquisition costs and future monthly commitments.
A clear process makes decisions easier. Start wherever you are today.
Review your income, regular spending and the financial flexibility you want to retain.
Distinguish available funds from reserves you want to keep untouched after the purchase.
Consider acquisition costs, potential works and ongoing ownership costs alongside the purchase price.
Use your assessment as a starting point for a specific financing review. A calculation is not a mortgage offer.
Property transfer tax, notary and land registry fees, and any buyer’s commission are payable in addition to the purchase price. Hamburg’s standard property transfer tax rate is 5.5 per cent.
A suitable monthly payment leaves room for everyday life. Allow for maintenance, ongoing ownership costs and unexpected changes.
For a binding offer, a finance provider will assess your personal circumstances and the specific property. The calculator helps you prepare.
Good decisions start with clear answers. Find the information that helps you move forward.
Searches all questions and complete answers on this page.
Take your time. Make clearer decisions.It supports an initial assessment of your possible property budget using the details you enter. Check the assumptions and result components displayed in the tool.
No. A calculation provides guidance. Binding financing depends on factors including income, creditworthiness, the property and the finance provider’s terms.
Include property transfer tax, notary and land registry fees, and any agreed buyer’s commission. Possible renovation, moving and furnishing costs come on top.
You still need accessible funds for unexpected expenses after buying. Consider a one-off liquidity reserve separately from ongoing monthly flexibility.
Hamburg’s official information states 5.5 per cent of the consideration. Special purchase situations and possible exemptions require individual assessment.
Record your assumptions and open questions. In the following advice service, you can choose which information to submit for a personal assessment.
Room for your next good decision.
