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Fixed-rate mortgage calculator.
Understand your monthly payment and how it splits into principal and interest. Enter the amount you would borrow, rather than the property price.
Regular monthly payment
Enter your values and calculate a scenario.
Monthly rounding to the nearest cent, with halves rounded up. The final loan payment is adjusted; very small loans may finish early. Additional costs are excluded. Illustrative simulation, not financial advice.
Assumptions and rounding
We use fixed-rate French amortization: the theoretical payment stays constant and the principal portion grows over time. The rate is nominal annual interest, not an APR including costs. Down payments, taxes, insurance, fees and purchase costs are excluded.
Monthly rounding to the nearest cent, with halves rounded up. The final loan payment is adjusted; very small loans may finish early. Additional costs are excluded. Illustrative simulation, not financial advice.
An example to check
Example: €150,000 at a 2.5% nominal annual rate over 300 months (25 years) has a regular payment of €672.93. The final payment is adjusted for the actual rounded balance.
Banco de España · Simulador de préstamos ↗