德上房产


DeSH Real Estate GmbH

Property investment return calculator

Explore purchase costs, mortgage payments, rental income and a possible future sale. Adjust the assumptions to compare scenarios; results are estimates, not forecasts.

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Property details

Enter a positive purchase price and a whole holding period from 1 to 30 years.

Property type *
Do you need a mortgage? *
Purchase price / budget (€) *
Planned holding period (years) *
Tax treatment depends on the transaction and your circumstances. Tax is not calculated here.
Purchase costs

Purchase fees and other costs cannot be negative.

Notary fee estimate (%)
Enter an estimate; actual fees depend on the transaction.
Land register fee estimate (%)
Enter an estimate; confirm actual fees for the transaction.
Property transfer tax (%)
Replace the illustrative rate with the applicable federal state rate.
Other brokerage fee payable by you (%)
Enter only an agreed fee payable by you. Avoid counting the same fee twice.
DeSH buyer brokerage fee (%)
Use the fee agreed for this property. The preset is an example, not a quotation.
Other purchase costs (€)
For example, renovation, a kitchen or furnishings.
Total purchase cost
Additional costs (%)
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%
Additional costs (€)
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€
Total purchase cost
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€
Excludes mortgage interest.
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€
Mortgage costs

Enter a non-negative down payment and interest rate, and a positive initial repayment rate. This model estimates a repayment mortgage.

Planned down payment (€)
Initial annual repayment rate (%)
Monthly payment = loan × (borrowing rate + initial repayment rate) / 1200.
Annual borrowing rate (%)
Illustrative constant rate. Actual terms require a lender assessment.
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€
Estimated loan amount
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€
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€
Estimated monthly payment
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€
Based on a constant borrowing rate and the initial repayment rate.
Estimated repayment term
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years
Excludes extra repayments, interest rate changes and an early sale.
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Estimated loan balance at sale
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€
Excludes extra repayments and early repayment charges.
Estimated interest paid by sale
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€
Illustrative result; extra repayments and rate changes are excluded.
Estimated total mortgage payments
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€
Includes principal repayments and interest until sale or repayment.
Holding income and costs

Rental yield, management and maintenance allowances cannot be negative.

Annual gross rental yield (%)
Illustrative starting yield on the purchase price. Replace it with your own estimate.
Annual management cost / purchase price (%)
This input is a percentage of the purchase price, not of rent. For a fee of 10% of rent, enter one tenth of the gross rental yield.
Annual maintenance cost / purchase price (%)
Illustrative allowance; actual costs depend on the property.
Rental yield after modelled costs (%)
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%
Gross rental yield less the management and maintenance allowances entered above.
Initial monthly gross rent
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€
Calculated from the purchase price and gross rental yield.
Initial monthly management cost
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€
Calculated from the purchase price and the entered annual management percentage.
Initial monthly maintenance allowance
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€
Calculated from the purchase price and the entered annual maintenance percentage.
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€
Modelled rental income after costs over holding period
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€
Simplified assumption: net rental yield × average of purchase and sale prices × holding years. Rent is assumed to move with property value; this is not a forecast.
Investment result

Annual property value change must be greater than -100%.

Assumed annual property value change (%)
An assumption for this scenario, not a forecast or guaranteed increase.
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€
Estimated sale price
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€
Based on the holding period and annual property value change entered above.

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Remaining loan balance
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€
Estimated amount still owed at sale.

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Rental income after modelled costs
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€
From the holding income and costs calculation.
Mortgage payments paid
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€
From the mortgage calculation.
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€
Holding cash flow after mortgage payments
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€

-

Initial equity contribution
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€
Down payment entered in the mortgage step.

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Rental income after modelled costs
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€
From the holding income and costs calculation.

-

Initial total purchase cost
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€

=

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Simplified annualised return (%)
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%
Uses initial equity and the combined sale proceeds and holding cash flow. Cash-flow timing is ignored; this is not an IRR. Taxes, vacancy and selling costs are not included.

Annualised return is not applicable when initial equity is zero or the combined ending value is negative. Review the profit and cash-flow amounts instead.

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Simplified annualised return (%)
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%
Uses total initial purchase cost and sale proceeds plus modelled rental income. Cash-flow timing is ignored; this is not an IRR. Taxes, vacancy and selling costs are not included.

Annualised return is not applicable when initial equity is zero or the combined ending value is negative. Review the profit and cash-flow amounts instead.

Estimated profit before tax and unmodelled costs
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€
Estimated profit before tax and unmodelled costs
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€
If Next is not available, complete the required fields on this step.
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