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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
Reset to Defaults
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
