Home-loan balance comparison
Current loan versus the selected refinance offer
France · EUR
France mortgage refinance calculator.
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.
Should you refinance a mortgage in France?
Renegotiating with the existing bank or refinancing through another lender may lower the rate, change the term or restructure borrowing. Fees and a longer term can offset a lower monthly payment.
French refinancing costs
Possible costs include early-repayment indemnities, application fees, guarantee or mortgage-security changes, valuation, brokerage and borrower-insurance changes. Enter current quotations rather than generic assumptions.
Break-even and remaining balance
The break-even estimate compares upfront costs with monthly savings. The horizon result also compares remaining balances so a lower payment caused by a longer term is not treated as pure savings.
Compare insurance and total cost
Borrower insurance can materially affect total monthly cost and eligibility. This calculator models entered loan figures only, so compare official offers and insurance quotations separately.