Calculate the monthly payment on your fixed or variable-rate mortgage (Euribor + margin), the total interest and the year-by-year amortisation.
For information only. Not financial advice. Always check your broker's conditions before trading.
How it works
Calculate the monthly payment on a mortgage using the French amortisation method, the most common in Spain: the payment stays constant and early payments are mostly interest.
For variable-rate mortgages, add the Euribor you want to simulate and your bank's margin. The table summarises, year by year, how much interest you pay, how much principal you repay and how much remains outstanding.
How it is calculated
Payment = C × i ÷ (1 − (1 + i)^−n)
C = principal, i = annual rate ÷ 12, n = years × 12
Variable rate = Euribor + margin
FAQ
What is the payment on a €200,000 mortgage at 3% over 25 years?
The payment is about €948.42 a month, with about €84,500 in total interest.
How often does the payment change on a variable-rate mortgage?
At the agreed review, usually every 6 or 12 months, using the Euribor published at that time.
Does it include insurance and other costs?
No. Linked insurance, valuation and other costs are added separately.
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