🏦 Mortgage simulator

Mortgage simulation: monthly payment, fees and total cost

Work out in seconds what a property purchase would really cost you: the monthly payment, but also conveyancing fees, insurance, bank charges and the total cost of the loan.

Don't know a figure yet? Answer “I don't know”: the calculator then uses the most common market value and tells you which one.

🏦 Your project

The only two figures that really matter: what the property costs, and what you can put in yourself.

Property price

250 000 € — the price shown in the listing, excluding conveyancing fees.

Deposit

12.0 % du prix. The money you already have (savings, a gift, the sale of a property). Banks like it to cover at least the conveyancing fees.

Type of home

This changes the conveyancing fees a great deal: around 8 % of the price for an existing home, against 2 to 3 % for a new one.

County purchase tax

We use 6.32 % — this is the rate applied by the great majority of counties since 2025. The gap with 5.81 % comes to about €1,275 on a €250,000 property.

📉 Loan terms

Haven't seen a bank yet? Leave “I don't know” everywhere: the calculator applies the most common market values and tells you which ones.

Loan term : 20 years

The longer the term, the lower the monthly payment — but the more the loan costs overall.

Annual interest rate

We assume 3,11 % — Banque de France — taux moyen des crédits à l'habitat de juin 2026, adjusted to the term you chose.

Borrower's insurance

Compulsory: it repays the bank in the event of death or disability. Its price depends mainly on your age and health. We assume 0,34 % per year of the amount borrowed, i.e. 67,81 € per month.

Security required by the bank

The security the bank takes in case the loan is not repaid. You are charged for it up front.We assume a guarantee company, by far the most common today.

Bank arrangement fee

What the bank charges to put your file together. Often negotiable, sometimes waived.We use €1,000, a common figure.

Broker's fee

Only fill this in if you go through a broker. Leave 0 if you approach the banks yourself.

👛 Your situation (optional)

Fill in these two amounts to find out whether your plan clears the 35 % debt-to-income bar, and how high a price you could go to.

Household net monthly income

What actually lands in the account each month, for all borrowers together: net salaries, pensions, rent received.

Existing loan repayments

Your other current loans: car, home improvements, student loan. Your present rent does not count, since it will stop.

Monthly payment, insurance included 1 408,31 € 1 340,50 € of loan + 67,81 € of insurance

Amount borrowed 239 324 € over 20 years (240 monthly payments)

Total cost of the loan 102 064 € interest, insurance and fees

APRC 3,90 % Legal cap : 5,19 %

🧾 Funding plan

Property price	250 000 €
Purchase costs known as “notary fees”	19 324 €
Notary's fees	2 395 €
VAT on fees (20 %)	479 €
Transfer duties	15 800 €
Land registry contribution	250 €
Disbursements and formalities	400 €
Deposit	− 30 000 €
Principal borrowed	239 324 €

Of these costs, 16 050 € are taxes passed on to the State and local authorities: the notary's own fee is only a small part.

💶 What the loan costs

Interest	82 396 €
Borrower's insurance	16 274 €
Security costs	2 393 €
of which refunded at the end of the loan	≈ 718 €
Arrangement fee	1 000 €
Total cost of the loan	102 064 €
Total amount repaid	341 388 €
Total cost of the transaction	371 388 €

📅 Amortisation schedule

Indicative simulation, with no contractual value: it is neither a loan offer nor a financing commitment. Purchase costs are calculated from the regulated notary scale and may vary from case to case.Reference rates and legal caps published by the Banque de France (cap as at T3 2026).
A loan commits you and must be repaid. Check that you can afford the repayments before you commit.