Mortgage calculator

Simulating different scenarios allows you to estimate and compare your affordability or the monthly repayments according to different criteria in order to find the best match with your personal situation. For example, increasing the duration of your loan will allow you to borrow a larger amount of money or be more comfortable with your monthly repayments. On the other hand, by reducing the duration, you can save on the cost of your credit. Another side, if you adjust the amount of your personal contribution, you observe the impact on your borrowing capacity.

A mortgage has several types of costs including the most important one: interest charges. By changing the duration of your credit, you can estimate the change in interest charges and therefore the cost of your credit. Note that in addition to your monthly repayments, you will pay an acquisition and a mortgage fee. Count 6% of the purchase price of the property for the registration fee and 1% for the transcription fee (both corresponding to your acquisition fee). However, a tax credit of €20,000 € per person (€40,000 in case of joint declaration) is immediately deductible on registration and transcription fees. In addition, you will pay for the bank fees and the notary fees that depend on your bank and your notary. You can also subscribe to an outstanding balance insurance, which can be paid in once or included in your monthly repayments. The price of the insurance depends on your age, your health condition and the type of property you wish to acquire.