RATIOXA HOME · Decision tool
How much home fits?
Derive an indicative range from income, payment share, rate, down payment and transaction costs.
7 inputsDetailed comparisonSaved locally on this device.
DECISION PACK
How much home fits?
Created: 18/08/2026 · affordability@5.0
Important: Not a property valuation or lending recommendation. Terms and market values can differ.
Result · Why?
Close result — only €54,760 apart
The result is a calculation range, not a lender decision.
Difference€54,760
Indicative purchase price
Loan range
Result robustness
Robust within tested range
The leading option remains ahead across the automatic ±10% input tests.
- Down paymentApprox. change in result: €8,182
- Monthly net household incomeApprox. change in result: €3,595
- Maximum payment shareApprox. change in result: €3,595
RATIOXA STORY
Your Decision Story
- 1
Indicative purchase price: €352,403
- 2
Loan range: €297,643
- 3
Both options leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Monthly net household income
- + Other fixed obligations
- + Maximum payment share
RATIOXA IMPACT MAP
What matters most?
Down payment€8,182
Monthly net household income€3,595
Maximum payment share€3,595
Purchase costs€3,233
Term€1,563
Mortgage rate€1,273
Higher impact →Key insight
Your decision is most vulnerable to changes in Down payment.
The result is a calculation range, not a lender decision.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
Compare everything
Indicative purchase priceLoan range
Result value€352,403€297,643
Difference——
Down payment€90,000€1,370
Purchase costs€35,240—
RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/7 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Have both alternatives been compared over the same period?
- ○ Are all one-off costs and fees confirmed?
- ○ Are resale value, remaining debt and end assets documented?
- ○ Have you tested a cautious range for uncertain assumptions?
TRANSPARENT MATH
Formula inspector
Calculation steps
- The chosen monthly budget is converted into a loan amount using the present-value formula.
- Transaction costs are not treated as financeable property value.
Substitution with your values
Sum of displayed components A = 90000.00 + 35240.27 = 125240.27Sum of displayed components B = 1370.00 = 1370.00Total: 352402.71 / 297642.98SOURCE SNAPSHOT
Official reference context
Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.
Deutsche Bundesbank · GermanyNet share tightening housing-loan standards: 7 % netEffective 2026-04-01 · Verified 2026-08-17
Caution: Survey context — not a statement about your personal credit offer.
Primary source ↗CURRENT CONTEXT
Relevant developments
A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.
HOME
German banks tightened credit standards in Q2 2026
Calculated affordability is not the same as an available credit offer or approval.
May affect: Available APR · Maximum loanImportant: Not a property valuation or lending recommendation. Terms and market values can differ.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- How long is the rate fixed?
- Which fees and overpayment rights apply?
- What balance remains after the fixed period?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
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The independent RATIOXA result above never changes based on these links.
External websites are independent from RATIOXA. No commercial partnership is implied.
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