Home-loan balance comparison
Current loan versus the selected refinance offer
France · EUR
Explore the Financial Impact of Refinancing in France
Compare your current French mortgage with refinancing or follow-on financing, including switching costs, early-repayment compensation, additional borrowing and rate scenarios.
Refinance offer comparison
Results include the entered break cost, selected cost treatment, cash out and consolidated debt
| Scenario | Rate | Term | Loan amount | Payment | Upfront cost | Break-even | Balance at horizon | Horizon result |
|---|
New-rate sensitivity
How Offer A changes if its interest rate is higher or lower
| Rate change | New rate | Monthly repayment | Break-even | Horizon result |
|---|
Planning estimate only—not a lender quote, payout statement, valuation, tax calculation, credit decision or recommendation. Confirm early-repayment compensation, discharge and land-register fees, valuation, lender conditions and loan terms.
Compare refinancing with keeping the loan
Renegotiation adjusts terms with the current bank, while refinancing replaces the loan with a new one. This calculator compares two offers with the existing loan at the same future date. It considers payments, entered fees and remaining debt so that a longer term is not automatically interpreted as a saving.
Enter the applicable transaction costs
Obtain redemption figures and quotations for any indemnities, arrangement fees, brokerage costs and security charges. The separate break‑cost field is applied in fixed‑rate mode and ignored in variable‑rate mode. This modelling choice does not determine the legal charges on your contract. Enter other confirmed costs in each offer without duplication.
Financed fees and simple break‑even
Upfront fees reduce available cash. Financed fees increase the new loan and may generate interest, so the absence of an upfront recovery period does not imply a cost‑free transaction. With €2,400 of upfront costs and €100 of monthly improvement, simple break‑even is 24 months; remaining balances still need to be compared.
Limits of the comparison
Rates remain constant and borrower insurance must be assessed separately. The stress scenario does not change the ranking of offers. For consolidated debt, the model carries the entered payment over the old‑loan period used in the comparison, without building an independent schedule for each debt. This can overstate savings if another loan would have ended sooner.
Frequently asked questions
Does the best offer always save money?
No. The better of the two new offers can still be worse than keeping the current loan.
Are financed fees free?
No. They increase new principal and can generate interest.
Is the break-cost field applied in variable-rate mode?
No. The model ignores it in that mode. Verify actual contract costs and other transaction fees separately.
Does the ranking include borrower insurance?
The model does not calculate separate borrower-insurance premiums for each offer. Compare insurance quotations alongside it.