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Purchase Price Potential Calculator
Your monthly net rent is more than just an expense — it also shows what kind of recurring payment you are already carrying. This calculator estimates what purchase price might roughly be possible if your current rent and an additional savings rate were used for property financing.
Calculate your possible purchase price
Questions to clarify with your bank
- Which fixed-rate period, effective interest rate, and monthly payment fit my target property?
- Which additional costs and safety margins does the bank include in my financing assessment?
- What is the maximum possible loan amount including potential KfW or subsidy components?
What you should prepare for the meeting
- Proof of income for recent months and an overview of current financial obligations.
- Evidence of available equity, reserves, and funds for acquisition costs.
- Key facts about the target property including price, location, and expected side costs.
Turn rent into a realistic purchase-price range
This calculator estimates what purchase price might be possible from your monthly budget while considering interest, amortization, and acquisition costs.
Estimate your financing range before speaking to banks
Clear reference values for loan amount, acquisition costs, and total capital help you enter financing talks better prepared.
Plan your property purchase more strategically
When you treat current rent as financing potential, you can plan search budget, equity strategy, and purchase decisions with more confidence.
How to use these results well
How the possible purchase price is calculated
- Monthly payment Net rent plus savings rate is the amount you could put towards interest and repayment.
- Loan amount The yearly payment divided by 4.2 % interest plus 1.5 % repayment gives the possible loan.
- Purchase price Loan plus equity is your budget. Around 12.07 % goes to acquisition costs, the rest is the possible purchase price.
The calculator gives you a first estimate for financing talks. The most important values are estimated purchase price and acquisition costs.
Next, compare the results with your real household budget and request concrete offers from banks.
- Check first whether the monthly burden remains affordable long term.
- Ask banks for rate scenarios and possible special repayment options.
- Always include reserves for acquisition costs and maintenance.
Frequently asked questions
How does the purchase price potential calculator estimate the possible price?
Rent and savings rate form your monthly instalment. Annualised, it is divided by the sum of interest and repayment, which results in the loan amount. Loan amount plus equity is your total budget. The calculator deducts the acquisition costs from it, and the rest is the possible purchase price.
What does an example calculation look like?
EUR 1,000 cold rent and EUR 300 savings make EUR 1,300 per month, or EUR 15,600 per year. At, for example, 3.5 % interest and 2 % repayment, this supports a loan of around EUR 283,600. With EUR 50,000 equity and about 10 % acquisition costs, a purchase price of around EUR 303,000 remains.
Why is a higher repayment rate useful even though the loan amount drops?
A higher repayment rate makes you debt-free sooner and leaves a smaller remaining debt when the fixed interest period ends. This reduces the risk if interest rates are higher at refinancing. Many banks expect an initial repayment rate of at least 2 %.
Why should acquisition costs be paid from equity?
Real estate transfer tax, notary, land registry and broker fees do not add value to the property. Banks are reluctant to finance them and often charge higher interest for it. As a rule of thumb, equity should cover at least the acquisition costs, ideally plus 10 to 20 % of the purchase price.
More calculators for buying a property
Background reading for this calculator
Renting vs. Buying: What Really Pays Off Long Term?
A simple comparison of rent, monthly payments, wealth building, inflation and extra costs when buying property.
AI-generated image
How Much House Can You Really Afford?
Why the real monthly burden matters more than the purchase price, including interest, extra costs and reserves.
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Disclaimer
The information in this tool is provided without guarantee of accuracy. It is only intended as a rough guide and does not replace professional legal, tax, or financial advice. The development of the calculations was carried out without formal training in these areas and is based solely on personal research and experience.