Mortgage Loan Simulator
Calculate your monthly payments, total credit cost and view your detailed amortization schedule.
Rates up to date — juillet 2026How to calculate your mortgage monthly payments?
Before signing a loan offer, it is essential to know the exact amount of your monthly payments and the total cost of your loan. Our simulator gives you this information in seconds.
Why simulate your mortgage loan?
- You are preparing a property purchase and want to estimate your budget
- You are comparing several loan offers from different banks
- You want to understand how the loan duration impacts total cost
- You want to check your debt-to-income ratio before submitting an application
- You are negotiating your rate and need precise figures
How does the calculation work?
The simulator uses the constant annuity formula: each month, you pay the same amount, made up of a principal repayment portion and an interest portion. At the beginning of the loan, the interest portion is high. It gradually decreases in favour of the principal. The borrower insurance rate is added monthly to the calculation.
Tips to optimise your mortgage
Compare rates from several banks and brokers. A 0.2% difference in rate can represent thousands of euros over the total duration. Choose the shortest duration possible to reduce interest costs, while keeping a debt-to-income ratio below 35%. Don't forget to negotiate borrower insurance: delegated insurance can halve its cost.
Frequently asked questions
Everything you need to know about mortgage loans