Principal and interest
Breakdown over the full mortgage
Principal€0
Interest€0
France · EUR
Plan the Monthly Cost of Your Mortgage in France
Estimate monthly repayments, affordability and purchase costs for a home in France.
Balance over time
How the remaining loan balance changes
Amortization schedule
Annual summary including extra payments
| Year | Principal | Interest | Extra payments | Total paid | Ending balance |
|---|
Compare deposit and mortgage term
See how monthly payments and total interest change across different deposits and terms.
| Deposit | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| 10% | €3,528per month€230,037 interest | €3,020per month€319,697 interest | €2,735per month€415,377 interest | €2,560per month€516,555 interest |
| 15% | €3,332per month€217,257 interest | €2,852per month€301,936 interest | €2,583per month€392,300 interest | €2,418per month€487,858 interest |
| 20% | €3,136per month€204,478 interest | €2,684per month€284,175 interest | €2,431per month€369,224 interest | €2,275per month€459,160 interest |
| 25% | €2,940per month€191,698 interest | €2,516per month€266,414 interest | €2,279per month€346,147 interest | €2,133per month€430,463 interest |
6.50% interest rate · €450,000 property price
Interest-rate stress test
See how your payment and total interest could change if the mortgage rate rises.
0%+2.5%+5%
Stressed rate8.50%
Stressed monthly payment€2,899
Monthly difference+€468
Additional total interest+€140,422
This scenario holds the stressed rate constant for comparison. Actual variable, renewal, and lender rates may differ.
Save with extra payments
Add a monthly or yearly amount and see how much you could save over the full mortgage.
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€
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Total interest saved€0
Time savedNo change
New payoff date—
Balance comparison
Standard paymentsWith extra payments
Planning estimate only. The debt-service ratio, APR, usury ceiling, borrower insurance, guarantee, notary costs and lender decision may change the actual financing.
Estimate a French mortgage repayment
The simulated principal is the property price minus the contribution. A repayment‑mortgage payment depends on the annual rate and term and includes both interest and principal. The model keeps the rate constant. A €240,000 loan over twenty years at 3.5% produces an indicative payment of about €1,392 before insurance and ownership costs.
Separate repayment, insurance and fees
The monthly total adds entered property tax, home insurance, recurring charges and borrower insurance to the repayment amount. The loan‑repayment total covers principal and interest only. Acquisition and guarantee percentages generate a separate cost estimate rather than increasing the loan. The entered nominal rate is not a calculated APR or TAEG.
Test an early repayment
Extra payments reduce principal while the ordinary payment remains unchanged. Annual extras apply at the end of each loan year, and the lump sum after the selected number of years. This can shorten the modelled term, but contractual indemnities and restrictions are not automatically included.
One scenario cannot reproduce every loan structure
PTZ mode does not check eligibility or construct a separate interest‑free loan with deferred payments. Variable‑rate mode also keeps the rate constant. The term comparison is mathematical and does not confirm that every displayed term is available from a French lender.
Frequently asked questions
Does the displayed payment include every cost?
The monthly total adds entered charges and insurance to the loan payment. The loan repayment total includes principal and interest only.
Is the entered rate an APR or TAEG?
No. It is the nominal rate used for amortisation; the model does not calculate a regulatory TAEG.
Does PTZ mode create a separate loan?
No. It does not check eligibility or construct an independent deferred-payment schedule.
Do extra payments reduce the ordinary payment?
The ordinary payment stays constant in this model, while extras can shorten the term.