Transparently calculated
Method behind the property budget calculator
How a first purchase-price range emerges from your desired instalment, equity and flat-rate assumptions.
Inputs
What goes into the calculation.
- net household income
- desired monthly loan instalment
- equity you can contribute
Calculation
How the model works.
01
Step 1
Model annuity = 3.75% interest plus 2% initial repayment.
02
Step 2
From this a rough loan amount is derived: annual instalment divided by 5.75%.
03
Step 3
Loan and equity are adjusted by a flat 10% for purchase-related costs.
04
Step 4
The instalment is also set in relation to net household income.
The amount shown is not an offer. Before searching for a property, a household budget, reserves and several interest-rate scenarios belong in an individual review.
Limits
What the figure does not claim.
- credit and collateral assessment
- regional differences in additional costs
- your individual interest rate and fixed-rate period
- maintenance, modernisation and service charges
- any loan approval
The output is a non-binding model calculation and not individual financial advice, a guaranteed return or a loan approval.
Open the calculator with your own figures →Sources
Traceable and publicly verifiable.
Method last reviewed on 13 August 2026.