Mortgage & Loan Calculator
Mortgage Calculator
Calculate your mortgage payments, total interest, and get a detailed amortization schedule for properties across Europe.
Loan Details
Used to calculate loan-to-value ratio
%
Current EU average: 3.5-5.5%
Used to calculate affordability ratio
Payment Breakdown
Enter loan details to see payment breakdown
European Mortgage Rates
- 🇪🇺 EU Average: 3.5-5.5%
- 🇩🇪 Germany: 3.2-4.8%
- 🇫🇷 France: 3.0-4.5%
- 🇬🇧 UK: 4.0-6.0%
- 🇪🇸 Spain: 3.5-5.0%
- 🇳🇱 Netherlands: 3.8-5.2%
Affordability Guidelines
- • Payment ratio should be ≤ 28% of income
- • Total debt ratio should be ≤ 36%
- • LTV ratio affects interest rates
- • Consider additional costs (taxes, insurance)
- • Emergency fund recommended
⚠️ DISCLAIMER: This calculator is for educational purposes only and should not be considered financial advice. The calculations provided may contain errors or may not reflect all costs, taxes, or market conditions. Always consult with qualified financial advisors, real estate professionals, and tax experts before making financial decisions. Actual mortgage terms may vary based on credit score, lender requirements, and market conditions.