Principal and interest
Breakdown over the full mortgage
Principal€0
Interest€0
France · EUR
France mortgage calculator.
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.
€
€
€
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.