Tool
Mortgage calculator
Run the numbers yourself.
Six variables, five results — an honest orientation for your plans. Entirely in your browser, no data shared.
Calculator
Six variables
Run the numbers yourself.
Six variables, five results, one honest orientation. Move the sliders — the calculation updates live.
450.000 €
90.000 €
≈ 20% of the purchase price
10,0 %
Transfer tax + notary + land registry + agent fee if applicable
3,50 %
Current range for property financing as of 2026
2,5 %
Recommended: 2% or higher
Fixed-interest period10 years
Longer = more planning certainty, often a slightly higher rate.
Monthly instalment
2.025 €
Annuity at 3,50 % interest + 2,5 % repayment.
- Loan required
- 405.000 €
- Remaining debt after 10 yrs
- 283.979 €
- Interest over 10 yrs
- 121.979 €
- Full repayment period
- 25 yrs 1 mos
- Loan-to-value ratio
- 90 %
The calculation runs entirely in your browser. No data is stored, transmitted or shared with banks.