Calculate monthly payments and compare three offers with fees and linked products. Free, no sign-up; enter your own terms. Designed for Spanish mortgages.
Enter the terms of each offer. See the monthly payment and the impact of the term, fees and linked products.
100% private · your data stays in your browserEdit every known cost; results update instantly.
The lowest-cost option minimises total outlay. The lowest monthly payment is marked separately.
Monthly principal and interest payment: €711.32
Excludes fees, insurance and other costs. The rate stays constant for all 300 payments; this is not a lender's offer.
Enter the property price and down payment: their difference is the loan principal. Add the annual nominal rate and term for each offer, then arrangement fees, upfront costs and annual linked-product costs to compare total outlay.
Not necessarily. A longer term can lower the monthly payment while increasing total interest. This calculator separates the lowest payment from the lowest total outlay, including the costs you enter.
Enter the annual nominal rate, called TIN in Spain, to calculate instalment interest. APR, called TAE in Spain, accounts for costs and fees under specific assumptions. This tool does not calculate an official APR; check the lender's complete documentation.
The model uses a single interest rate for the entire term. You can compare rate assumptions, but it does not model Euribor resets or mixed-rate periods. It does not present assumptions as forecasts.
Bank of Spain: loan simulator and assumptions (Spanish) ↗
An Artis Habitat S.L. tool · Educational estimates, not financial advice. Editorial standard, privacy and corrections contact.