01 / Two offers, one common basis

Compare two loans

Compare two loans for the same amount using payment, term, interest, fees, recurring costs, estimated APR and total cost.

Calculation dataTerms of both offers

Keep the requested amount identical and copy each condition from pre-contract information. Terms may differ.

EUR
Same nominal amount for both offers.
AOffer A
%
Offer rate.
months
Number of payments.
%
Initial percentage fee.
EUR
Mandatory charges paid initially.
EUR
Mandatory recurring charges.
Advanced options
months
Initial months paying interest and recurring costs only.
EUR
Residual principal paid with the last instalment.
BOffer B
%
Offer rate.
months
Number of payments.
%
Initial percentage fee.
EUR
Mandatory charges paid initially.
EUR
Mandatory recurring charges.
Advanced options
months
Initial months paying interest and recurring costs only.
EUR
Residual principal paid with the last instalment.

02 / CalculaPréstamo

Like-for-like comparison

The table separates payment, charges and full cost so monthly payment is not compared in isolation.

A

Offer A

—Total real cost
Financial payment
—
Total monthly outflow
—
Term
—
Interest
—
Upfront fees and costs
—
Recurring costs
—
Total paid
—
Estimated APR
—
Net amount received
—
Final payment
—
B

Offer B

—Total real cost
Financial payment
—
Total monthly outflow
—
Term
—
Interest
—
Upfront fees and costs
—
Recurring costs
—
Total paid
—
Estimated APR
—
Net amount received
—
Final payment
—
Payment difference—
APR difference—
Net proceeds difference—
Interest difference—
CalculaPréstamoTermFinancial paymentNet amount receivedInterestUpfront fees and costsRecurring costsTotal real costEstimated APR
Offer A————————
Offer B————————
03 / How the offers are compared

How the offers are compared

Each offer is calculated independently with its own rate and term. Interest, origination, upfront and recurring charges are then added for total real cost.

Estimated APR annualises each cash-flow set. A smaller payment may still cost more when the term or charges are greater.

Advanced options provide a closer representation of the contract; keep their defaults when they do not apply.

Compared figures

Real cost = interest + upfront charges + recurring costs. Total paid = principal + real cost. APR uses net proceeds and every monthly outflow.

Example

A lower-rate offer can cost more when it adds an origination fee, monthly insurance or a much longer term. The comparison exposes each component and the difference.

Frequently asked questions

Which figure matters most?

Review APR, total cost, payment, term and contractual flexibility together.

Does the lowest APR always win?

It is highly comparable, but risk, security and conditions also matter.

Can terms differ?

Yes; this reveals the cost of a lower payment over a longer term.

Where does mandatory insurance go?

Enter it as monthly or upfront cost according to when it is paid.

Are late-payment charges included?

No; they depend on default and are outside the ordinary scenario.