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The best conditions for your real estate financing

Independent and neutral

Individualised consultations

Many years of experience in the new build real estate industry

Your direct route to a tailor-made real estate loan.

The financing of a property is very individual and depends on many criteria. Together with our partners, let us find the best options for you.

Use our financing calculator to find free and non-binding financing offers that suit you.

Financing calculator

Financing amount:

0

Monthly instalment:

0

Total time period:

Years

Financing amount

Use

Income/expenditures

Age

Valuation

Financing amount

What is your property expected to cost?

Purchase price: *

Ancillary purchase costs: *

( 0 € ) inkludiert

Federal state: *

Equity: *

Calculate equity >

Use

Do you intend to purchase the property for your own use or as an investment?

Income / expenditures

Please enter your monthly (net) household income.

Household income (net): *

Calculate income >

Expenditures: *

Calculate expenditures >

Age

Please enter your age.

Non-binding valuation

Based on your information, we assess the feasibility of your real estate financing as follows. Let one of our partners advise you professionally and personally.

Total valuation:

Instalment composition

Repayment

Target interest rate

Effective annual interest rate:

%

Financing amount:

0

Monthly instalment:

0

Total time period:

Years

Repayment plan:

×

Equity

Bank / savings accounts

Securities

Allocable home loan and savings contracts

Allocable home loan and savings contracts

Other assets

Total

×

Income

Net income of the household as a whole

Child allowance

Alimony

Income from renting or leasing

Other income (pension/perquisites etc.)

Total monthly income:

×

Expenditures

Persons of full age in the household (1st person €1400 / 2nd person €400)

Children in the household (per child €250)

Alimony

Insurance policies

Existing loans

Total monthly expenditures:

Your advantages

Realistic assessment for successful financing.

Through hundreds of forwarded financing enquiries and permanent contact with the financiers, we know what is important in a real estate loan. We can therefore provide you with a non-binding assessment in advance of whether financing is likely in your case.

Preliminary information without having to send a request.

By using the tips in our financing calculator, we can tell you which "screws" you need to turn to increase your chances of successfully obtaining financing.

Personal and independent advice from financing professionals.

Our advisors ask about your needs and circumstances and shed light on all the important factors for a financing commitment. With this knowledge, they can compare the available offers and find the best model for you.

High flexibility and best conditions.

Our advice is tailor-made and discreet. Our financing experts are on your side, seriously sound out your options and promptly present you with a reliable offer. This forms a secure basis for your property purchase.

Realistic assessment for successful financing.

Through hundreds of forwarded financing enquiries and permanent contact with the financiers, we know what is important in a real estate loan. We can therefore provide you with a non-binding assessment in advance of whether financing is likely in your case.

Preliminary information without having to send a request.

By using the tips in our financing calculator, we can tell you which "screws" you need to turn to increase your chances of successfully obtaining financing.

Personal and independent advice from financing professionals.

Our advisors ask about your needs and circumstances and shed light on all the important factors for a financing commitment. With this knowledge, they can compare the available offers and find the best model for you.

High flexibility and best conditions.

Our advice is tailor-made and discreet. Our financing experts are on your side, seriously sound out your options and promptly present you with a reliable offer. This forms a secure basis for your property purchase.

How it works

1
Non-binding request

Ask for your desired financing amount directly using our financing calculator.

The request is of course free of charge and does not put you under any obligation.

2
Discuss an offer

A financing professional will contact you within one day and discuss your case with you.

Here you can express your personal wishes and you'll then receive a tailor-made offer.

3
Finalise financing

After your financing professional has taken care of all the formalities with the lender, you will finally receive the financing contract for signature.


Questions about your real estate financing?

Salvatore Piciocchi

Kundenberater

Your neubau kompass contact for all questions in advance:

I am happy to offer you personal and non-binding advice and answer all your questions regarding new build real estate!

I support you with my expertise and my overview of the current projects at neubau kompass.

Use our service to arrange a telephone consultation appointment with me.

This service is completely free of charge and non-binding. This does not result in any contractual commitment and you will not receive any e-mails or calls from us as a result.

Frequently asked questions

Can I afford to buy the property?
Probably the most frequently asked question when buying real estate. Unfortunately, this question cannot be answered in such a general way, as real estate financing is a very individual matter.
What criteria do the banks attach the most importance to?
There are various points that banks pay attention to when evaluating real estate. It starts with the location of the property through to the age of the borrower.
Most banks pay attention to the so-called loan-to-value ratio which represents the ratio of equity to the mortgage lending value (purchase price minus 10%). The lower the loan-to-value ratio, the better chance you have of successful and healthy financing.
How high should the repayment rate be?
With an initially low repayment rate (e.g. 1%), the monthly burden (rate) is lower, but this also extends the repayment of your property. The higher the repayment rate, the sooner you can finish paying off your property.
Of course, the choice of repayment rate also depends on the current interest rate that you receive from the bank for your real estate loan.
What is a sensible fixed interest rate?
The most sensible loan interest rate depends on current interest rates. If interest rates are high, it is better to choose a lower fixed interest rate to get a better interest rate. If interest rates are low, it can make sense to agree on a long fixed interest rate in order to secure the low interest rate for a long time.
Note: in most cases, you can cancel and renegotiate the contract after 10 years. Even if you have agreed on a fixed interest rate of 20 years and the interest rate drops significantly after 10 years, it makes sense to reschedule this to reduce your monthly burden (rate).
How is the monthly instalment calculated?
The monthly rate is calculated from the financing amount and the selected annuity.
Example: €500,000 (financing amount) x 6% (annuity = interest rate + amortization) / 12 months = €2,500/month
What is meant by annuity?
The annuity consists of the current interest rate that you get from the bank and the selected repayment instalment.
The product of these two values results in the annual burden of the property. Financing amount x annuity divided by 12 months results in the monthly charge (rate).
How much equity is necessary for "healthy financing"?
The equity that is to be brought into a financing arrangement largely determines the amount of the financing offered and thus the monthly burden (rate).
Many banks expect up to 20% of the purchase price of the property in order to obtain financing.