Berlin Rent vs. Buy Calculator

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Analysing…

Monthly mortgage

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True monthly cost (buy)

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interest + running, excl. principal

Break-even year

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Transaction costs

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~9.5% Berlin

10-yr net wealth (buy)

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10-yr net wealth (rent+inv)

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Affordability check

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Mortgage / net income—

German bank guideline: ≤ 35%

Total housing cost / income—

Comfortable threshold: ≤ 40%

Rate stress test — what if your rate rises at refinancing?