Mortgage Calculator
Simulate monthly payments, total interest, and financed amount for a mortgage with term and annual rate.
Monthly payment
€898.09
Financed amount: €200,000.00
Total interest: €123,312.18
Total paid: €323,312.18
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How to use the mortgage calculator
- Enter the home price and available down payment.
- Set the annual interest rate and loan term in years.
- Review estimated monthly payment, financed amount, total interest, and overall cost.
What is it for?
The mortgage calculator simulates monthly payments before visiting the bank, helping you see if a property fits your budget by price, down payment, rate, and term.
First-time buyers and families compare scenarios: more down payment lowers the installment; longer terms reduce monthly cost but increase total interest.
Projecting interest and total paid gives a clear mortgage calculator view to negotiate terms or choose between offers without Excel.
Frequently asked questions
Does the mortgage calculator include insurance and fees?
It models principal, interest, and loan payment. Life insurance, home insurance, fees, and appraisal costs are added separately in real deals.
What interest rate should I use?
Enter the APR or annual rate your bank offers. Without an offer yet, try market reference rates in your country for a rough estimate.
How much down payment do I need?
It depends on the bank and local rules. Simulate different down payment percentages to see how installment and financed amount change.
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