CUBE FinanceMortgage financing and subsidies in Landshut · Over 600 banking partners compared · bank-independent

As a rule of thumb, 20 to 30 percent of total costs in equity secures good terms. At minimum, the incidental purchase costs (property transfer tax, notary, land registry, possibly agent) should be covered by own funds, which is usually 10 to 15 percent.

Full financing without equity is generally possible, but comes with higher interest rates and stricter creditworthiness requirements. It suits buyers with very secure, high income in particular, and should be calculated individually.

A single bank only offers its own terms. An independent advisor such as CUBE Finance compares offers from over 600 banking partners, usually finding lower interest rates and contract terms better suited to your situation.

In addition to the purchase price, budget for property transfer tax (3.5 to 6.5 percent depending on the German state), notary and land registry fees (around 1.5 to 2 percent) and possibly agent commission. Total incidental costs usually range between 5 and 12 percent of the purchase price.

With complete documentation, financing approval is often available within a few days to two weeks. Comparing multiple banking partners through an independent advisor barely extends this process, while improving the terms.