Baufi24 • EUR
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Score based on rate competitiveness and popularity among users.
Ingrid Schneider · Updated: 28 August 2026
Baufi24 is a comparison platform for home financing and not a single lending institution. According to its own figures, it brokers offers from more than 600 banks, including well-known names such as ING, Sparkasse, Deutsche Bank, Commerzbank and KfW. The service is aimed at buyers and builders who want to compare offers from many banks in one place instead of contacting each bank individually.
Unlike many other brokers, Baufi24 publishes concrete example figures on its landing page: for a representative example with a purchase price of €400,000 and equity of €80,000, it states a nominal interest rate of 3.9% p.a. with a 10-year fixed-interest period, an effective annual rate of 4.0% p.a., and a monthly installment of €1,752. The page additionally advertises a range of effective annual rates from 4.0% to 4.51% for fixed-interest periods between 5 and 30 years. Importantly, this is explicitly presented as an example for a specific case, not a guaranteed rate — the individual rate depends on creditworthiness, the property and the loan-to-value ratio, and is only fixed in the personal offer. The maximum loan-to-value ratio is stated by the provider as 80% of the property value, with a minimum repayment rate of 2% p.a.
The process consists of three steps: first, the online comparison tool gives an initial sense of the likely rate and installment. Next, a personal offer is requested from a financing advisor, who adjusts the terms to the individual situation. The process ends with the binding approval from the financing bank. The page makes no explicit statement about processing fees.
Compared with other home financing brokers, Baufi24 provides unusually concrete example figures, giving a better first orientation. This is helpful for anyone who wants a rough sense of the rate and installment range they might expect — but the example does not replace a binding offer, and actual terms can differ noticeably depending on creditworthiness and the property.
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🔒 Secure redirect to Baufi24, no obligation
Indicative calculation based on nominal rate of 3.9%. Actual costs depend on individual creditworthiness assessment.
Representative example
For a loan of 50 000 EUR over 48 months, at a nominal rate of 3,90% and an APRC of 4,00%, the monthly instalment is approximately 1 127 EUR, and the estimated total amount payable is approximately 54 082 EUR (including interest: approx. 4 082 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.