Mortgage
Your path to homeownership: bespoke guidance for purchasing, building, or refinancing with tailored fixed-rate terms.
Net loan amount
€50,000 – €1,500,000
Duration
60 – 360 months
Representative APR (example)
ab 3.45 % eff. p. a.
Expert advice for your landmark investment
Buying or building a home is a milestone. KreditFair compares terms across more than 400 mortgage lenders, reviews regional development subsidies, and accompanies you from initial budget planning to completion.
Key benefits
- ✓Property purchase, building or refinancing
- ✓Clear fixed-rate options
- ✓Personal guidance tailored to your project
100% Transparency Promise
No upfront fees, no hidden costs. Every offer is completely free and non-binding.
Solution 03
Eligibility & Documentation
Careful preparation for the best mortgage approval:
Equity Contribution
Covering ancillary purchase costs (notary, property transfer tax) with equity ensures prime interest rates.
Sustainable Income
Stable earnings capable of supporting monthly mortgage repayments over extended time horizons.
Property Documents
Land register extract, site plan, building specifications, floor plans, and property prospectus.
Personal Finances
Tax assessments, recent pay slips, equity statements, and schedule of any existing debts.
Process
4 Steps to your home financing
Structured accompaniment by your personal mortgage specialist:
Determine budget & parameters
Establish your maximum purchase budget and sustainable monthly repayments together.
Lender comparison & subsidies
Compare over 400 regional and national lenders alongside green subsidy programs.
Mortgage confirmation
Obtain a formal financing certificate to secure your property reservation with sellers.
Notary signing & drawdown
We review the loan agreement and coordinate fund disbursement to the seller.
Simulation
Calculate monthly payment for Mortgage
Adjust loan amount and duration according to your individual budget.
Duration
Term comparison
Same amount, different duration: shorter means higher monthly payment but significantly less total interest.
| Duration | Monthly payment | Total interest costs |
|---|---|---|
| 24 months | €535.59 | €854.19 |
| 48 months | €285.64 | €1,710.60 |
| 72 months | €202.81 | €2,602.46 |
| 96 months | €161.77 | €3,529.46 |
| 120 months | €137.43 | €4,491.16 |
Receipt No. KF-012000-060
Date
Monthly payment
Breakdown of your repayment
Remaining balance · Year 1–5
Representative example
Net loan amount €12,000.00, duration 60 months, borrowing rate 6.69% p.a., representative APR 6.90%, monthly payment €235.87, total amount €14,152.11.
Calculations are non-binding simulations based on annuity amortization. Interest rates and conditions depend on personal credit assessment and are finalized in your binding loan offer.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
FAQ
Mortgage FAQ
Mandatory statutory disclosures
Representative APR example: Net loan amount €250,000, 240 months (20-year fixed rate), borrowing rate 3.39% p.a., representative APR 3.45%, initial monthly payment €1,331.00, total amount payable €319,440.00. Subject to land charge registration and credit assessment.
⚠ Borrowing money also costs money. Only borrow what you can comfortably afford to repay.
Ready for the next step?
Free and without obligation. A personal advisor will get in touch with you.