How much loan do I get at 5,000 euros net?

What does the actual credit level depend on?

The monthly rate is not freely selectable, but results from a simple ratio: 30 to 40 percent of net income are considered maximum stress. In addition, banks check what remains every month – after deduction of living costs.

1. Calculation examples for installment level and credit amount

The starting point: effective interest of 8.13 % (As of: 2025)

Interest makes a difference. At 6.79 % Effective annual interest rate results in a loan of 2,000 euros over 10 years 232,100 euros. Those who can negotiate better conditions are thus expanding the financial scope.

2. Living costs: Banks expect a flat rate

Banks start standardized household costs – mostly 800 to 1,100 euros per month. At 5,000 euros net this results:

• Available income: € 5,000 – € 1,100 = € 3,900

• Max. Rate (40 %): € 3,900 × 0.40 = 1,560 €

• Credit amount at 10 years of term: around 170,000 €

This calculation reflects the practice: income minus living farming = rate. Credit frames results from the rate, term, interest.

Current offers in market comparison

Some banks and their sample conditions (as of: 2025):

The differences are significant. If you compare, you save interest – or get more loan with the same rate.

What also evaluates the bank when lending?

When I talk to banks about lending, I quickly notice: it’s not just about income and term. The monthly rate is the entry – not the whole picture. Every bank looks deeper. And rightly.

Anyone who only looks at the salary slip underestimates the risk assessment.

• Credit: The Schufa score is always on the table. If the value is over 95, this is usually half the rent – in the literal sense. The conditions are getting better, the loan height increases. As soon as the score falls below 90, it gets tight. Then the interest rates, the possible sum sinks. In some cases, it is not even promised.
• Existing obligations: If you already have a car loan or leasing contract, you have less scope. The bank sums up everything. Rent, maintenance, additional costs, other loans – what is left in the end decides on the maximum rate. And with it about the loan amount.
• Capita: Especially with construction financing, every euro provides advantages. The bank has to finance less, the risk falls, the interest falls. If you bring in 20 or 30 percent yourself, you get more scope for the rest of the financing. In practice, I see that many start with too little equity. Then the financing is either more expensive or more scarce – both are not optimal.
• Professional status and age: Anyone who has been firmly employed for years, has no gaps on their curriculum vitae – better standing. Anyone who is self -employed needs numbers. It will be difficult without current BWA or tax assessment. The banks are easier for civil servants or employees with an unlimited contract.
• Consideration are optional: Rarely relevant in the case of installment loans, in terms of real estate. Additional coverage by guarantee, life insurance or property can be the decisive factor – especially for larger sums.

What I often see: Many go to the bank – 100,000 or 300,000 euros – and wonder if the feedback fails to fail or the offer looks very different.

The bank calculates soberly. And that’s exactly what you should do yourself. Anyone who knows the factors can negotiate better. Anyone who ignores them pays it – or get no promise.

Practical example: How much loan does Anna get with 5,000 euros net?

Let’s take a clear starting point: Anna is 38 years old, civil servant, no ongoing loans, no children, monthly net income: 5,000 euros.

Your goal: a condominium in Leipzig. Purchase price: 520,000 euros. Equity: 70,000 euros. The question: how far does it get – and what conditions?

I calculated the scenario – based on current market data (as of 2025), with an effective interest rate of 3.9 %, 2.5 % initial repayment and 25 years of term.

Household bill: What is left for the bank?

Banks usually expect a load limit of 30–40 % of the net – that would be here 1,500 to 2,000 eurosdepending on the institute. Anna has air.

Calculate financing needs

The monthly burden for this loan at 3.9 % interest, 2.5 % repayment:

Interest + repayment = 6.4 % of 450,000 = € 2,400/month

This is above the recommended limit. Financing would be mathematically possible, but was not optimally secured.

Alternative scenarios for Anna (depending on the monthly rate)

She could do the purchase – if she is ready, with a monthly rate of round 2,400 euros to calculate.

In their life situation, that would be portable, but in the long run. Place of scope for reserves or unforeseen costs would be limited.