TilgungsPilot
Mortgage Interest Rate Calculator
The interest rate calculator shows live German mortgage rates from the Deutsche Bundesbank and estimates your personal rate based on the fixed term, your loan-to-value and your residence status.
Mortgage Interest Rate Calculator – calculate for free →What drives your interest rate?
German mortgage rates track the 10-year Bund yield plus a lender spread. The main levers on your personal rate:
- Fixed-rate period — a longer term costs a little more but adds certainty
- Loan-to-value (LTV) — more equity lowers the rate
- Residence status — Blue Card / temporary permits may add a small premium
Frequently asked questions
What are current German mortgage rates?
Rates follow the 10-year Bund yield and move daily. TilgungsPilot shows the live trend in a chart and derives a personalized rate from it.
Why is my rate higher than the advertised one?
Headline best rates usually assume a very low loan-to-value. Your actual rate depends on your equity, fixed term and credit profile.