Buying a home in Germany: mortgage rates and costs
What a mortgage typically costs in Germany right now, how the central bank rate compares, and a worked monthly payment example you can adjust in our calculators.
Typical mortgage rate
3.3% – 4%
10-year fixed (Sollzinsbindung), 80% LTV. After the fixation period the loan refinances.
As of 2025-11-28. Source
Example monthly payment in Germany
| Purchase price | €400,000 |
|---|---|
| Deposit (20%) | €80,000 |
| Loan amount | €320,000 |
| Interest rate | 3.65% · 25-year term |
| Estimated monthly payment | €1,628 |
Illustration only, using the midpoint of the typical rate range. It excludes taxes, insurance and fees. Adjust the figures in the mortgage calculator.