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.