What's Your Equity Ratio?
German banks typically expect 20 % equity plus all additional purchase costs. Find out where you stand — and how big the gap still is.
0 %100 %
- Equity Ratio
- 22.7 %
- Loan-to-Value (LTV)
- 85.0 %
- Financing Need (Loan)
- €340,000
- Total Cost
- €440,000
- Recommended Minimum Equity
- €88,000
- Gap to Target Ratio
- €0
Target reached
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Breakdown
| Position | Amount | Share |
|---|---|---|
| Purchase price | €400,000 | 90.9 % |
| Additional costs | €40,000 | 9.1 % |
| Total cost | €440,000 | 100 % |
| Equity | €100,000 | 22.7 % |
| Loan | €340,000 | 77.3 % |
Note: The equity ratio is calculated against the total acquisition cost (purchase price plus additional costs). German banks usually do not finance the additional costs — these must be paid from equity. From a 20 % equity share, interest terms tend to improve; from 40 % they improve again. The loan-to-value (Beleihungsauslauf) relates the loan to the pure purchase price (bank's perspective).
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Background
Equity for German Real Estate 2026: How Much Do You Really Need?
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