What is a financing mix?

A financing mix combines multiple loan types — like a standard bank mortgage, KfW subsidized loans, and building savings contracts — to optimize your total interest cost and monthly payment.

How does the Smart Suggestion work?

It checks your eligibility for KfW programs, assigns subsidized loans first (cheapest capital), fills the remainder with a standard mortgage, and adjusts the repayment rate to fit your budget.

What KfW programs are supported?

KfW 124 (Home Ownership), KfW 261 (Energy Renovation), KfW 297/298 (Climate-Friendly New Build), KfW 300 (Families), and KfW 308 (Existing Property for Families).

Is this calculator free?

Yes, completely free. No registration required to use the calculator. You only need an account if you want to save your financing plans.

How accurate are the interest rates?

The default rates are based on current market averages (March 2026) segmented by loan-to-value ratio and fixed period. Actual bank offers may differ — always get quotes from multiple lenders.

Can I export my financing plan?

Yes, you can export a PDF report with all KPIs, per-loan details, and the yearly repayment schedule. You can also save plans and compare different scenarios.

Financing Mix Calculator | Multi-Loan Planning

Plan Your Financing Mix

Combine multiple loan types — bank mortgages, KfW subsidies, and building savings — into an optimized financing plan.

I found a property

Start with your property details and get a recommended financing mix based on your situation.

I want to maximize subsidies

Focus on KfW programs and government subsidies. We'll pre-configure your profile for maximum eligibility.

I want to build a custom mix

Jump straight to the financing builder and manually assemble your ideal loan combination.

What this calculator does

Smart Suggestion

Get an optimized financing mix based on your property, income, and goals — KfW subsidies first, then bank loans.

KfW Integration

Automatic eligibility checking for all KfW programs (124, 261, 297, 300, 308) with subsidized rates.

Full Analysis

Debt reduction chart, per-loan repayment schedules, and key metrics — monthly payment, total interest, loan-to-value.

Scenario Comparison

Compare your financing mix against a single-loan alternative to see how much you save.

Key Financial Terms

Understanding the terminology of German property financing

Annuitätendarlehen

A fixed-payment mortgage where the monthly payment stays constant, but the…

Bausparvertrag

A building savings contract combining a savings plan with a guaranteed…

Eigenkapital

Your equity or down payment – the cash you bring to the purchase. Minimum…

Grundschuld

A land charge registered against your property as collateral for the mortgage.…

Nebenkosten

Closing costs or ancillary costs when buying property in Germany. Typically…

Sondertilgung

Special or extra repayments beyond your regular monthly payment. Most German…

Tilgung

The repayment or amortization portion of your monthly payment that reduces the…

Zinsbindung

The fixed interest period during which your rate is locked. After this period…

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