In short
At 3.81%, the Bundesbank average on new housing loans fixed for over 5 up to 10 years (August 2026), a €300,000 loan repaid over 30 years costs €1,400 a month. One more point of interest adds €176 a month on that loan. The rate is usually fixed for a period shorter than the loan (the Sollzinsbindung); what is left is refinanced at the rate of the day.
Monthly payment at 3.81%, by loan and term
| Loan | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|
| €200,000 | €1,192 | €1,035 | €933 | €863 |
| €300,000 | €1,788 | €1,552 | €1,400 | €1,294 |
| €400,000 | €2,384 | €2,070 | €1,866 | €1,726 |
Calculation with the formula above at the Bundesbank average effective rate on new housing loans to households fixed for over 5 up to 10 years (August 2026; 3.78% in July 2026). Other fixation periods, same month: variable or fixed up to 1 year4.4%; fixed over 1 up to 5 years4.03%; fixed over 10 years4.04%; all fixation periods4.01%.
Before you borrow
General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.
Sources
- Deutsche Bundesbank, MFI interest rate statistics (BBIM1): effective interest rates of banks in Germany, new business, loans to households for house purchase, by initial rate fixation period (ESCB statistics) (Quelle: Deutsche Bundesbank / EZB-Statistiken. ESCB statistics may be reused free of charge if the source is cited and the statistics (incl. metadata) are not altered.).