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    3. Mortgage Calculator

    Mortgage Calculator

    Calculate monthly payments, total payments and interest for a mortgage loan

    Enter data

    Enter the mortgage loan parameters

    250.000 EUR
    250.000 EUR
    50.000 EUR
    20.0%
    3.5%
    3.5%
    30 years
    30 y

    Detailed breakdown

    Monthly payment

    0 EUR

    Property price250.000 EUR
    Down Payment50.000 EUR (20.0%)
    Loan amount200.000 EUR
    Interest rate (%)3.5%
    Total payments0 EUR
    Total interest0 EUR

    Affordability Analysis

    Check if this mortgage fits your budget

    Recommended gross salary
    Conservative (30%)0 EUR
    Moderate (40%)0 EUR

    Estimated total monthly housing cost

    Mortgage payment0 EUR
    Property insurance (est.)~42 EUR
    Maintenance reserve (est.)~208 EUR
    Total250 EUR

    Remember to factor in other monthly expenses like utilities, food, transportation, and savings when assessing affordability.

    One-Time Costs

    Additional fees when purchasing with a mortgage

    Property appraisal75 EUR
    Application processing75 EUR
    Disbursement fee (0.5%)1.000 EUR
    Mortgage registration2.100 EUR
    Property purchase fees8.500 EUR
    Transfer tax (2.5%)6.250 EUR
    Notary fee2.000 EUR
    Registry fee (0.1%)250 EUR
    Total upfront cost61.750 EUR

    Includes down payment + all fees

    Early Repayment Calculator

    See how extra payments can save you money

    Enter an extra monthly payment amount to see potential savings

    Interest Rate Comparison

    See how rate changes affect your costs

    2.5% 790 EUR/Month
    Total interest84.487 EUR(+84.487 EUR)
    3.5% (current)898 EUR/Month
    Total interest123.312 EUR(+123.312 EUR)
    4.5% 1.013 EUR/Month
    Total interest164.813 EUR(+164.813 EUR)

    Even a 1% difference in interest rate significantly impacts total cost

    Total Cost of Home Ownership

    Down Payment

    50.000 EUR

    One-time fees

    11.750 EUR

    Total interest

    0 EUR

    Grand total cost

    261.750 EUR

    Yearly breakdown

    Green shows principal (building equity), purple shows interest paid to the bank

    Frequently Asked Questions

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    These calculations are for informational purposes only and do not constitute financial, tax, or legal advice. Consult a qualified professional for your specific situation.

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