What can you actually afford?

Independent property advisory for expats & first-time buyers — no broker, no bias.

💰 Your Income & Rent

Net Salary iYour take-home pay after tax. Check your payslip under 'Netto'.

€ /mo

→ € 66,000/yr

Current Rent iRent without utilities. We compare to your mortgage.

€ /mo

Equity iSavings for purchase. Banks need costs + 10% down.

€

📍 Location & Broker

Federal State iProperty transfer tax varies from 3.5% to 6.5% by state. One-time cost at purchase.

Real Estate Broker? iBuyers typically pay 3.57% broker fee (incl. VAT). Buying directly saves this cost entirely.

🏦 Mortgage Settings

Mortgage Rate iAnnual interest rate. 2026 typical: 3.5%–4.5% for 10-year fixed.

3.8%

Initial Repayment i1% = minimum. Higher = faster payoff but higher monthly rate.

1.0%

Fixed Rate Period i10 yrs is standard. Longer = higher rate but more certainty.

📊

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Renting vs. Owning — The Real Cost

🏚️

Renting

—

/month — gone forever

🏡

Owning

—

/month — building your wealth

What You Can Afford

Maximum property price

—

What You're Building in 10 Years

If you keep renting

You'll pay

—

↓

Wealth you've built

€ 0

If you buy now

You'll pay

—

↓

Equity you own

—

💡 Conservative: only repayment counted, no property appreciation.

Your Readiness Score

Equity ratio — what banks look at —

0%10%20%30%+

<10% — Banks decline 10–20% — Possible, higher rates 20%+ — Best rates

The Details

📋 Purchase costs, limits & mortgage breakdown ▼

Income & Budget Rule

Net / month—

35% budget rule → max. rate—

Purchase Costs (on top of price)

Grunderwerbsteuer (6.0%)—

Notary & Land Registry (~2.0%)—

Broker (3.57%)—

Total Purchase Costs—

Two Limits — Which One Caps You?

💰 Income Limit

—

based on 35% of net

🏦 Equity Limit

—

costs + 10% down payment

Mortgage Breakdown

Effective loan amount—

Monthly interest portion—

Monthly repayment portion—

Total monthly rate—

As % of net income—

Don't Buy Alone

—

20 minutes · Free · No strings attached

What can you actually afford?

Independent advisory — no broker, no bias.

Income & Rent

Net SalaryiTake-home after tax.

€/mo

→ € 66,000/yr

Current RentiWithout utilities.

€/mo

EquityiSavings for purchase.

€

Location & Broker

📍

🤝

Mortgage

Interest Rate

3.8%

Repayment

1.0%

Fixed Period

📊

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✓Sent to

Rent vs. Own

🏚️

Renting

—

/mo — gone

🏡

Owning

—

/mo — yours

What You Can Afford

Max. property price

—

10 Years: Rent vs. Own

Keep renting

You pay

—

↓

You own

€ 0

Buy now

You pay

—

↓

You own

—

💡 Conservative: repayment only, no appreciation.

Readiness Score

Equity ratio—

0%10%20%30%+

<10%10-20%20%+

Details

📋 Costs, limits & breakdown▼

Budget Rule

Net/mo—

35% max.—

Purchase Costs

GrESt (6.0%)—

Notary+Reg. (2%)—

Broker (3.57%)—

Total—

Two Limits

💰 Income

—

35%

🏦 Equity

—

costs+10%

Mortgage

Loan—

Interest/mo—

Repay./mo—

Rate—

% of net—

Don't Buy Alone

—

20 min · Free · No strings

BuLa Calculator v4.3 · Estimates · bula-consulting.com