To the property of your dream
Find the ideal solution for you with our mortgage calculator
Calculate in just a few steps whether you can afford your dream property or how much it may cost. Enter the purchase price, your own funds and income - and you will receive an initial rough estimate.
From a rough estimate to professional advice
Would you like to find out more about possible financing strategies, with no strings attached? Our financing experts provide independent advice, even if you are not buying a property with ImmoSky.
Complete the form and use the option to enter when you would like us to call you back.
Frequently asked questions about mortgages
How much equity do I need to get a mortgage?keyboard_arrow_down
You need equity of at least 20%, whereby 10% must be real cash. Examples include savings, a savings balance from the 3rd pillar or advances against inheritance. A pension fund balance, for instance, is not classed as real cash.
Which property can I afford?keyboard_arrow_down
What documents do I need to enquire about financing?keyboard_arrow_down
To check an enquiry about financing, banks need documents relating to the property in question and your current financial situation.
Any missing paperwork will delay the process, so please have the following documents to hand:
You are welcome to contact us if you do not yet have all these documents and we will help you to obtain them.
When is the right time to ask ImmoSky about finance?keyboard_arrow_down
- If you want to know your budget before you start looking for a property
- If you already have a specific property in mind
- If you want to seek a second opinion or offer from a lender other than our usual bank
What formulas does the online mortgage calculator use?keyboard_arrow_down
The commitment to finance your dream home is no coincidence. Interest, amortisation (repayment), maintenance and ancillary costs may not exceed 33 % in relation to the remaining gross income. You need at least 20 % equity capital, 10 % of which must be real equity capital. Credit balances from the pension fund are not real equity.
To calculate affordability, we use a mortgage interest rate of 5 % and ancillary costs of 1 % of the purchase price of the property, thus creating a solid long-term basis for your financing.
For this calculation, it is assumed that the second mortgage will be fully paid off within 15 years.