Real estate financing in 2025: How to Get the Best Conditions

It depends on your bank, the key interest rate and the economic situation. However, the following personal factors play an important role:

• Amount of the loan

• Loan-to-value ratio (proportion of the purchase price that you want to borrow)

• duration of the fixed interest rate

• Value of the property

• Repayment & term of the financing

• Employment relationship

• Your postal code

• Your Schufa score

• Commitment-free period & unscheduled repayment

• Type of use

• Special offers at the bank

You can find detailed information here.

Absolutely, it’s possible. It mainly depends on the purchase price, which should be in a healthy proportion to your monthly income. As a rule of thumb, you can expect to qualify for a loan amount between 100 and 140 times your net monthly income. So, with a net income of €3,000 per month, you could potentially secure a loan between €300,000 and €420,000 from the bank. The exact amount, however, will depend on the current interest rate environment, the property itself, and a few other factors.

That depends on the size, location, features of the property, and current interest rates. However, as a rough estimate, the loan amount you can secure for a property typically ranges between 100 and 140 times your household’s net monthly income.For example, if your net income is €2,000 per month, a property loan between €200,000 and €280,000 is generally realistic. Depending on how much equity you can contribute, this gives you a good starting point for estimating your overall budget.

When it comes to securing follow-up financing in Germany, there are different models available — and it pays to understand the differences.

When you extend your real estate financing through your current lender, it's called "Prolongation". It's the easiest option but also the one with the least room for negotiating better terms. "Umschuldung," which is when you secure follow-up financing through a different lender, requires you to do some work to compare offers from various banks, but it also gives you the freedom to choose the one you like best. A "forward loan" is similar to Umschuldung, except that it allows you to secure a low interest rate anywhere from one to five-and-a-half years before your lock-in period ends. Click here to learn more.

In most cases, it's your job to get the ball rolling. You can either go collect offers from different lenders yourself, hire a mortgage broker, or you can have us do it. Urbyo's financial experts are available to help you every step of the way. For example, they'll collect offers for you at the beginning of the process, and they'll deal with the bank to get you approved for financing at the end of it. To get started, just send us a message. The fastest way is through our .

Or you can just wait: your current lender will send you an offer for follow-up financing at least three months before the end of your lock-in period. To learn more about whether you should let it come to this, click here.

Follow-up financing is an extension on your real estate financing once your lock-in period ends. Click her to learn more.

It depends on various factors, such as the price of the property, your income situation, and the desired interest rates. The more equity you bring in, the lower the interest rates. We're happy to calculate the best possible option for you.

An extra payment is an unscheduled payment on your loan. It reduces both the term of the loan and the total interest that you end up paying.