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Approach 2🏠

The Classic Mortgage (Buyer at 35)

Save for down payment, then purchase property with mortgage at age 35

Adjust Parameters

Monthly Capacity

€

Monthly Savings (Pre-Purchase)

€

Property Price

€

Investment Return

%

Property Area

m²

Hausgeld per m²

€

Shared Assumptions

Starting Age: 30
Retirement Age: 67
Analysis End Age: 75
Monthly Capacity: €2.500
Capacity Growth: 2.5% / year
Investment Return: 7.0% / year
Property Appreciation: 3.5% / year

Property & Mortgage

Purchase Age: 35
Mortgage End Age: 65
Property Price: €475.000
Kaufnebenkosten (10%): €47.500
Monthly Savings: €1.500
Savings Growth: 2.5% / year
Total Savings: €94.614
Down Payment: €47.114
Loan Amount: €427.886
Mortgage Rate: 3.0%
Mortgage Term: 30 years

Monthly Costs at Purchase

Monthly Capacity: €2.829
Mortgage Payment: €1.804
Hausgeld: €315 (105m² × €3.00/m²)
Total Costs: €2.119
Initial Surplus: €710/month
Surplus Growth: 2.5% / year

Final Net Worth at Age 75

Home Value

€1.880.648

During-Mortgage Portfolio

€2.053.931

Post-Mortgage Portfolio

€256.278

Total Net Worth

€4.190.857