Calculate monthly payments, total cost, and view your amortization schedule.
Total monthly payment
1 210EUR/month
Total cost of credit
290 381EUR
Total interest
78 381EUR
Total insurance
12 000EUR
Debt-to-income ratio
40.3% / 35%
Debt ratio
A mortgage is a loan taken from a bank to finance a property purchase. Monthly payments consist of principal repayment and interest, with the proportion evolving over time through amortization.
The debt-to-income ratio measures your loan payments against your net income. French regulations (HCSF) recommend not exceeding 35% including insurance. Beyond this threshold, banks may reject the application.
Borrower insurance, mandatory for obtaining a loan, averages 0.20% to 0.50% of the borrowed capital. Since the Lemoine law (2022), you can switch insurance providers at any time without fees.
The monthly payment uses the standard amortization formula: , where C is the borrowed capital, r is the monthly rate (annual rate / 12), and n is the number of payments. At the beginning of the loan, most of each payment goes toward interest, gradually shifting toward principal repayment.
For rental investments, a 20 to 25-year term is generally recommended: it reduces monthly payments, making it easier to achieve positive cash flow. While the total interest cost increases, the leverage effect of the loan and tax deductions on interest typically outweigh the extra cost.
Yes, and it can save you a significant amount. Insurance rates range from 0.10% to 0.50% of the capital depending on your age and health. Since the Lemoine law (2022 in France), you can switch insurers at any time with no fees or penalties. External delegation of insurance can cut costs in half.
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The results of this tool are provided for informational purposes only and do not constitute investment advice. Consult a professional before making any decision.
Total monthly payment
1 210EUR/month