Financing calculator for house and property: You should pay attention to this!

They should bear this in mind!

A financing calculator helps you to calculate the financial burden of purchasing real estate. In order to enable the purchase or construction of a property(investment property), it is often necessary to use debt financing in the form of loans.

 Construction and real estate loans are available, for example, from special building societies, insurance companies or banks. They are strictly linked to the purpose of financing a real estate purchase, construction or refurbishment. The lender provides a certain amount of money. This will then be used to finance the project.

The loan from such real estate financing must be repaid over a specified period of time, i.e. to be paid off. This is usually done in monthly instalments. In addition, the lender still charges interest on the total loan per year. These are added to the repayment rates. A financing calculator will help you to assess which financing plan makes sense for you.

What do I do when planning?

1. Set the amount of monthly instalments

First, you should calculate how high a monthly rate can be for you. The expected rental income is the most important thing. Another factor is operating costs. The difference is the monthly amount you can pay for the repayment rates. Suppose your monthly cold rent is currently 500€ and the operating costs for your new property are 100€ per month. This would allow you to afford a loan with monthly instalments of €400. If you still save money every month, you can spend more on real estate financing.

2. Calculation of how expensive the property may be as a whole

The second step is a mortgage calculator. This indicates how expensive the property can be in total and how much you can borrow. Various factors are taken into account. On the one hand, your fixed amount plays a major role for the monthly rates. Another factor is the planned duration until the loan is fully repaid. 

Most borrowers want to be debt-free by retirement age. So deduct your age from retirement age to determine the term. If you already have equity, you can also specify it. In addition, a mortgage calculator also includes future ancillary costs. Therefore, you need to specify the location of the property.

3. Calculate the repayment plan

There are financing calculators that also provide you with a detailed financing plan. If you have set a loan amount for yourself, you can calculate various factors by specifying the interest rate and the repayment rate per year. These include the amount of monthly instalments under this plan, the annual interest charge, and the residual debt after each year. People often ask about the borrowing rate commitment period. This is the period during which the interest rate does not change according to the contract.

As a rule, the selected lender offers a financing calculator with a detailed financing plan. Online there are some financing calculators with which you can calculate in advance.

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Real estate prices analysis for 80 locations throughout Germany

Location analysis

E1 Holding offers location analysis for real estate for almost 100 cities nationwide in all federal states. Our well-trained experts for real estate and investments as well as off-market real estate in various locations and sizes take a professional and authentic look at the real estate market at the respective location. In doing so, we determine realistic and continuously updated real estate prices depending on the market situation as well as a corresponding real estate forecast. We are constantly expanding the list of alphabetically ordered locations and intensively expanding the data base for more and more cities. In addition to investors and investors with budgets of all sizes, our nationwide location analyses are also valuable for housebuilders when deciding on a location. Click here


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