Repayments on a 300.000 € home loan — Germany

At 3.8% over 30 years:

• Monthly repayment: 1.398 €
• Total interest: 203.234 €
• Total repaid: 503.234 €
• Paying 200 € extra a month saves: 47.000 € and 6 years

Frequently asked questions

What are the repayments on a 300.000 € mortgage?

At 3.8% over 30 years, about 1.398 € a month. Over the full term you would pay roughly 203.234 € in interest on top of the 300.000 € borrowed.

How much interest do you pay on a 300.000 € loan?

About 203.234 € over 30 years at 3.8% — bringing the total repaid to around 503.234 €.

What if I pay a bit extra each month?

Adding 200 € a month would save about 47.000 € in interest and clear the loan roughly 6 years earlier.

See interest-only repayments on the same loan

Estimate only. Assumes a fixed rate and no fees; lenders accrue interest daily and may charge account or discharge fees. Not financial advice.