01 / CALCULATE

Mortgage Calculator

Estimate mortgage payment, financed principal and cost, then compare the result with APR and lender documentation.

Calculation dataMortgage Calculator
€
€
Some lenders may limit first-home financing to 80% of the value they accept as their reference.
For additional properties, some lenders may apply financing limits close to 60% of their reference value.

Euribor

-0.481 %
Expenses associated with the total amount of the home

€
Expenses associated with the mortgage

€
€
Estimated resultResult summary

Monthly payment

0 €/mes

Property price

0 €

Deposit

0 €

Amount to finance

0 €

Interests

0 €

Taxes

0 €

IVA (0%) 0 €
AJD (0%) 0 €
ITP (0%) 0 €

Expenses

0 €

Notary 0 €
Registry 0 €
Administration 0 €

Mortgage cost
(Amount financed + Interest)

0 €

Money contributed
(Contributed + Taxes + Expenses)

0 €

Purchase cost
(Mortgage cost + Money contributed)

0 €
See detail
BreakdownTotal transaction cost
Financed percentage0%
Savings contributed0%
Payment per 100,0000

Indicative calculation. This is not a financial offer.

How the mortgage calculation works

We apply the constant-payment formula to financed principal, monthly rate and term in months. Initial costs are kept separate when provided.

Illustrative example: A 200,000-unit property with 40,000 paid upfront leaves 160,000 to finance. Rate, term and additional costs determine the payment and total cost.

FAQ

What amount is financed?

In this simulation it is price minus deposit. A lender may use its own valuation and lending limits.

What happens with a variable rate?

Payments can rise or fall at each review according to the index, margin and contract. This calculator does not forecast future rates.

What should I compare besides payment?

Review APR, total cost, initial expenses, insurance, linked products, early-repayment terms and the applicable pre-contract information.

Information to prepare

  • Property price and available deposit.
  • Financed principal, rate, term and fixed or variable structure.
  • Taxes, valuation, legal, insurance and other applicable costs.

How to read the result

  • The payment is based on financed principal, not the full price.
  • Term has a major effect on total cost.
  • A variable-rate future payment may differ from the simulation.

Common mistakes

  • Using every saving for the deposit.
  • Ignoring initial charges or linked products.
  • Comparing fixed and variable payments without a rate-rise scenario.
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Offer position is not a recommendation. CalculaPréstamo may receive compensation for the link; this does not affect calculator formulas. Confirm prices, eligibility and validity with the provider.

03 / Recent activity

Last calculated loans and mortgages

20 recent results

Credit

10

Mortgage

10
Mortgage · A Coruña 167,000 €
0.92% 15 years
See detail