€245,727
Germany · Affordability
How much house before owner cost is 28% of gross income?
OwnerCost’s own 28% planning ceiling, applied to this market’s ownership costs. Below: how lenders here actually assess affordability, and what this estimate leaves out.
Example with the default inputs. Change any field to recalculate.
About €245,727
At this price, monthly owner cost is 28% of gross income in Germany.
€49,145
€1,680
How lenders in Germany assess affordability
German law requires the lender to assess your creditworthiness before a consumer loan; for a real-estate loan the assessment must show that you are likely to meet your obligations under the loan (§ 505a BGB). That provision sets no fixed housing-cost percentage. Each lender assesses your income, expenses and other obligations in its own way.
Source: German Civil Code (BGB) § 505a — Creditworthiness assessment (in German)
OwnerCost's 28% of gross income is its own planning ceiling for monthly owner cost. It is not a German legal rule.
Checked against these sources on 24 September 2026.
What this estimate includes
- Principal and interest at the rate you enter
- Home insurance
- Building charges
What it does not include
- Your other debts — lenders count them; this estimate does not
- Lender stress or serviceability tests — the estimate uses the rate you enter, not a stressed rate
- Lender approval rules, credit history and deposit requirements
- Purchase taxes and fees (see the Stamp page)
- Property tax (Grundsteuer)
How we calculate
Highest price at which the annuity, insurance and building charges equal 28% of gross monthly income (OwnerCost's planning ceiling). Monthly rate = quoted nominal annual rate ÷ 12. Payment = P·i / (1 − (1 + i)^−n) over n months.
Rules checked against these sources on 24–25 September 2026.