Calculate your property financing precisely
Calculate interest, repayment, and term of your property financing with our detailed calculator. Plan your financial future securely with Auctoa.
Immediate results overview
Test variable scenarios
Transparent cost calculation
Useful information about your construction financing
Determine the optimal equity ratio
Advantages and Disadvantages of Fixed Interest Rates
Influence of the Repayment Rate on Duration
Uncover Hidden Costs
Interest trends and forecasts: When is the best time for financing?
The decision to finance property is often one of the most significant in life. A crucial factor affecting the overall cost and monthly burden is the interest rate. This article highlights the current interest landscape, factors such as the ECB's interest rate policy, inflation, and the economy, and provides you with strategic considerations. We analyse how to evaluate interest rate forecasts and which strategies (such as long fixed interest rates, forward loans) may be sensible in dealing with interest rate uncertainty. The 'best' time to make a decision is always individual, depending on urgency, financial situation, and risk tolerance. Use our financing calculator for initial calculations and seek advice from our partners.
AUCTOA FINANCIAL PLANNING
Your Path to Optimal Financing
Interest Calculator
Calculate and compare current interest rates for your mortgage financing.
Repayment plan
See the detailed development of your rates and remaining debt over the term.
Budget Planner
Determine your financial scope for buying real estate precisely.
Additional costs
Include all incidental purchase costs in full.
Loan term calculator
Find the optimal loan term for your financial situation.
Credit comparison
Compare the terms of various financing offers and options.
Forward Loan
Secure favourable interest rates for your follow-up financing early.
Protective Information
Information about options for securing your financing rates in case of unforeseen events.
Finanzcheck
Receive an initial assessment of your financing options without obligation.
Precise, transparent, and tailored to your needs – with our financing calculator and expert knowledge.
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Start your financing plan with Auctoa
Using Equity Correctly: How Much is Optimal for Your Property Financing?
Equity is the foundation of a solid property financing plan. It not only reduces the need for a loan but also improves your negotiating position with banks and leads to more favourable interest conditions. In this article, we explain what counts as equity (bank deposits, building society contracts, securities, personal contributions), the equity ratio that is generally recommended – usually at least 20-30% of the purchase price plus additional costs – and the advantages and disadvantages of having a higher or lower ratio. We also highlight the risks of full financing and how you can strategically consider how much of your assets you want to commit in order to maintain your liquidity. The Auctoa financing calculator helps you explore different equity scenarios.
Funding for purchasing a house: Make use of government grants and loans
When purchasing or constructing a property, government grants can significantly reduce your financing burden. This article provides you with a comprehensive overview of the most important programmes in Germany. These include KfW loans (e.g., home ownership programme, energy-efficient construction/renovation), BAFA grants for renewable energies and heating optimisation, as well as specific funding from federal states and municipalities. We explain the requirements, application procedures, and combination possibilities of different funding sources. Topics such as the potential successor to the Baukindergeld or Wohn-Riester are also covered. Discover with the Auctoa funding check which support options are relevant for your project and how to optimally integrate them into your financing.
Special Repayments and Repayment Changes: Flexibility in Property Financing
A long-term property financing should be flexible enough to adapt to changing life circumstances. Special repayments and the option to change the repayment rate are valuable options in this regard. In this article, you will learn how special repayments work, what contractual regulations are common (e.g., 5% of the loan amount per year free of charge), and how you can save on interest costs and become debt-free faster. We also explain under what conditions a change in the repayment rate is possible and when this can be beneficial (e.g., in the case of a salary increase or temporary financial difficulties). Pay attention to these flexibility options when signing the contract to tailor your financing optimally to your needs.
The role of SCHUFA in granting credit for real estate
The SCHUFA report is a central element in the creditworthiness check for real estate loans. Banks use the SCHUFA score to assess the risk of loan default. This article explains which data SCHUFA stores, how the score is calculated, and which factors can positively or negatively affect it (e.g., punctual installment payments vs. collection procedures). We provide you with tips on how to request your own SCHUFA report for free, check it for errors, and possibly improve your score before a financing request. A good SCHUFA score is often the key to better interest rates and successful loan approval. We also explore the myth of "loans without SCHUFA" for real estate.
Property Valuation
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Strategic consulting
Hold, Buy or Rent?
Funding Check
Make optimal use of government grants.
Follow-up financing: How to secure favourable terms after the interest rate fixation
If the fixed interest period of your mortgage loan is coming to an end, you will need follow-up financing for the remaining balance. This is an important opportunity to optimise your financing conditions. This article presents the three main options: an extension (prolongation with your current bank), refinancing (switching to a new provider), and a forward loan (securing interest rates early for the future). We explain when you should start planning (ideally 1-3 years before expiry), how to effectively compare offers, and what costs may arise with refinancing (e.g. notary, land registry). Proactive action is crucial to benefit from potentially better interest rates and shape your monthly payments.
Additional costs when buying property: What is added to the financing amount?
In addition to the pure purchase price, acquiring property incurs significant additional costs that are often underestimated and generally need to be covered by personal funds. This article lists all relevant items in detail: real estate transfer tax (varies by federal state), notary and land registry fees (legally fixed, approx. 1.5-2% of the purchase price), as well as estate agent commission (varies regionally, often shared). Additionally, costs for surveyors, possible renovations before moving in, or moving expenses may arise. We provide you with example calculations to illustrate how high the total costs can actually be and why it is essential to consider these expenses early and comprehensively in your financial plan to avoid financial surprises.
Mortgage calculator explained: functions and correct usage
An online mortgage calculator, like the one from Auctoa, is a valuable tool for initial orientation and planning of your property financing. This article explains in detail the typical input fields: purchase price, equity, desired loan amount, assumed interest rate, initial repayment rate, desired term, and options for special repayments. We show you how to correctly interpret the outputted results – monthly payment, interest and principal portions, residual debt development, and total costs. Learn more about the assumptions behind the calculations and the limitations of such calculators, which do not replace personal advice but optimally prepare you for it. Use our calculator to play through different scenarios and get a feel for your financial possibilities.
Financing an Inherited Property: Details and Options
Inheriting a property presents individuals with unique financial challenges and decisions. Often, there is a need for financing, whether to pay off fellow heirs in an estate community, to settle inheritance tax, for necessary renovation or refurbishment measures, or to repay the existing loans of the deceased. This article examines the specific aspects of financing in the case of inheritance. We discuss how the inherited property can serve as collateral, the role of property valuation, and what financing options (e.g., equity release mortgage) are available. Auctoa not only supports you with a neutral evaluation of the inherited property and strategic recommendations but also connects you with suitable financing partners.
