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Common area electricity can only be charged to tenants under certain conditions. We explain what matters in the rental agreement.
Owning a home is not the right choice for everyone. Find out which personal and financial conditions matter and who truly benefits from property ownership.
Use our cash flow calculator to quickly and accurately determine the monthly net cash flow of a property. Analyse rental yield and investment returns now.
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A KfW loan can replace part of your financing at a lower interest rate. These requirements matter most for the four key programmes when buying or building.
With a free calcimo account, you can calculate the KfW loan right away: as a standalone comparison or as part of the cashflow calculation for your property.
This overview simplifies the key points of the KfW fact sheets. The current KfW conditions and the review by your financing partner are decisive.
If you rent out a flat or house, you can deduct the acquisition cost of the building as an expense spread over its useful life. The straight-line rate depends on the year the building was completed.
With a free calcimo account you can calculate the depreciation for your property right away: with purchase price, acquisition costs, building share and a pro-rata first year.
Simplified presentation of straight-line building depreciation under Section 7(4) of the German Income Tax Act. Your actual circumstances and, if needed, professional tax advice are decisive for your tax return.
With the free calcimo property calculator you can check within minutes whether a flat or house pays off as an investment or whether a home of your own fits your budget. Purchase price and rent are enough for an initial assessment. Then add equity, interest and repayment for the detailed calculation.
The calculator works without registration and without tracking cookies. With a free account you can save properties and use further calculators.
The gross rental yield is the annual net cold rent divided by the purchase price, times 100. Example: EUR 9,600 annual rent at a purchase price of EUR 300,000 results in 3.2 %. For a realistic assessment, acquisition costs, financing and running costs matter as well. That is exactly what the detailed calculation shows.
A positive monthly cash flow means that rental income covers interest, repayment and running costs. Many investors accept a slightly negative cash flow at first if repayment and value growth build wealth in the long run. What matters is that you can carry a shortfall permanently.
Acquisition costs include real estate transfer tax (3.5 % to 6.5 % depending on the federal state), notary and land registry fees (around 1.5 % to 2 %) and, if applicable, a broker commission. Together they quickly add up to 7 % to 15 % of the purchase price.
Yes. Initial assessment, detailed calculation, rent cost calculator and purchase price potential calculator are free and work without registration. All other features are free as well, but only available after signing up.
With the free calcimo property calculator you can see within minutes what monthly burden an owner-occupied flat or house brings. The purchase price is enough for an initial assessment. Then add equity, interest and repayment and compare the result with your current housing costs.
The calculator works without registration and without tracking cookies. With a free account you can save properties and use further calculators.
As a rule of thumb, the monthly loan instalment should not exceed about 35 % to 40 % of your net household income. You also need reserves for maintenance and unexpected expenses. The home budget calculator shows which purchase price fits your budget.
Open the purchase price calculatorBanks usually expect you to pay at least the acquisition costs from your own funds. Better interest rates are often available from 20 % equity. After the initial assessment, the calculator shows how much equity lowers your monthly instalment.
Acquisition costs include real estate transfer tax (3.5 % to 6.5 % depending on the federal state), notary and land registry fees (around 1.5 % to 2 %) and, if applicable, a broker commission. Together they quickly add up to 7 % to 15 % of the purchase price.
That depends mainly on the purchase price, the interest rate and your current rent. The calculator compares the monthly costs of your home with your current housing costs. Keep in mind that part of the instalment goes into your own wealth as repayment.
Open the rent cost calculator