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The equity required to purchase an existing home depends on various factors, including the purchase price, financing terms, and the individual requirements of the lender. However, as a rule, equity of around 20% of the purchase price is recommended in order to obtain favorable financing.

The term of your home loan depends on various factors such as the amount of the monthly installment, the loan amount, and any possible special repayments. However, you can choose the duration of the fixed interest period yourself. In recent years, especially since the coronavirus pandemic, interest rates have risen steadily. We therefore recommend a shorter fixed interest period at this point in time.

The annuity should amount to a maximum of 35% of your net household income. This will give you sufficient leeway for other daily expenses and living costs.

The costs of financing a home are made up of various factors that you should take into account when planning your financing. These include:

• The purchase price of the property
• Incidental acquisition costs, such as real estate transfer tax, notary fees, and land registry fees
• Financing costs, such as interest and fees for the loan
• Ancillary construction costs, such as building permits, setting up the construction site, and construction management
• Commitment interest incurred for undrawn loan amounts