Monthly payment for a 300 000 € loan over 20 years
Simulation based on market rates from juillet 2026. Mortgage insurance included.
Your estimated monthly payment
Total monthly payment
1 794 €/month
Monthly payment excl. insurance
1 709 €
Monthly insurance
85 €
Real credit cost
130 609 €
Total interest
110 209 €
Total insurance
20 400 €
Total loan cost
430 610 €
Applied rate: 3.3 %Insurance rate: 0.3 %
Amortization schedule summary
Year-by-year overview of your 300 000 € loan over 20 years| Year | Principal paid | Remaining balance |
|---|---|---|
| 1 | 10 772 € | 289 228 € |
| 2 | 11 133 € | 278 094 € |
| 3 | 11 506 € | 266 588 € |
| 4 | 11 892 € | 254 696 € |
| 5 | 12 290 € | 242 405 € |
| 6 | 12 702 € | 229 703 € |
| 7 | 13 128 € | 216 576 € |
| 8 | 13 568 € | 203 008 € |
| 9 | 14 022 € | 188 986 € |
| 10 | 14 492 € | 174 494 € |
| 11 | 14 977 € | 159 517 € |
| 12 | 15 479 € | 144 038 € |
| 13 | 15 998 € | 128 040 € |
| 14 | 16 534 € | 111 506 € |
| 15 | 17 088 € | 94 418 € |
| 16 | 17 660 € | 76 758 € |
| 17 | 18 252 € | 58 506 € |
| 18 | 18 863 € | 39 643 € |
| 19 | 19 495 € | 20 147 € |
| 20 | 20 149 € | 0 € |
What salary to borrow 300 000 €?
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Frequently asked questions
Everything about a 300 000 € loan over 20 years