🏠 Mortgage Calculator
Simulate your mortgage with the French system: monthly payment, total interest and total cost from amount, rate and term.
Monthly payment
—
Total interest: —
Total paid: —
⚠️ Guidance simulation with French system and fixed rate, excluding fees, insurance and taxes. Not an offer or financial advice.
Frequently asked questions
How is the mortgage payment computed?
With the French system: payment = P × r(1+r)^n / ((1+r)^n − 1), where r is the monthly rate and n the number of payments. You pay more interest at first, more principal at the end.
What is the difference between nominal rate and APR?
The nominal rate is what this calculator uses; the APR includes fees and costs, so it is always higher. Compare offers with the APR.
Is a longer term better?
It lowers the monthly payment but raises total interest a lot. Example: €150,000 at 3% over 20 years ≈ €36,500 interest; over 30 years ≈ €77,300.