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Eurozone Mortgage Calculator

Calculate your Eurozone mortgage payments, compare loan options, and determine what you can afford in the Eurozone

Loan Details
Enter your mortgage information to get accurate calculations

300.000 €

20.0% of home price (60.000 €)

Additional Costs
Monthly expenses beyond mortgage

3.000 €

1.200 €

Required if down payment < 20% (0 €)

0 €

Extra Payments
Pay off your mortgage faster

Monthly Payment

1.517 €

Principal & Interest

Total Monthly

1.867 €

Including all costs

Total Interest

306.107 €

Over life of loan

Total Cost

546.107 €

Principal + Interest

Payment Breakdown

Total Cost

546.107 €
Over 30 years

Principal

240.000 €
43.9% of total

Interest

306.107 €
56.1% of total

Payment Breakdown

Principal43.9%
240.000 €
Interest56.1%
306.107 €
Interest vs Principal Ratio
You'll pay 56% in interest
That's 66.107 € more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
11.517 €217 €1.300 €239.783 €
11.517 €230 €1.287 €237.317 €
21.517 €246 €1.271 €234.455 €
31.517 €262 €1.255 €231.401 €
41.517 €280 €1.237 €228.143 €
51.517 €298 €1.219 €224.666 €
61.517 €318 €1.199 €220.957 €
71.517 €340 €1.177 €216.999 €
81.517 €362 €1.155 €212.776 €
91.517 €387 €1.130 €208.270 €
101.517 €413 €1.104 €203.463 €
111.517 €440 €1.077 €198.333 €
121.517 €470 €1.047 €192.860 €
131.517 €501 €1.016 €187.021 €
141.517 €535 €982 €180.790 €
151.517 €571 €946 €174.142 €
161.517 €609 €908 €167.049 €
171.517 €650 €867 €159.481 €
181.517 €693 €824 €151.405 €
191.517 €740 €777 €142.790 €
201.517 €789 €728 €133.597 €
211.517 €842 €675 €123.788 €
221.517 €898 €619 €113.323 €
231.517 €958 €559 €102.156 €
241.517 €1.023 €494 €90.242 €
251.517 €1.091 €426 €77.530 €
261.517 €1.164 €353 €63.967 €
271.517 €1.242 €275 €49.495 €
281.517 €1.325 €192 €34.054 €
291.517 €1.414 €103 €17.579 €
301.517 €1.509 €8 €0 €

Eurozone Mortgage Calculator Guide

Our comprehensive Eurozone mortgage calculator is designed specifically for the European housing market. Whether you're buying your first home in Paris, Berlin, Madrid, Rome, or anywhere across the Eurozone, our calculator accounts for European-specific factors like property transfer taxes, notary fees, and local regulations.

European Mortgage Features

Fixed & Variable Rates:Calculate fixed and variable rate mortgages with competitive rates.
First-Time Buyer:Calculate first-time buyer incentives and reduced rates.
Long-term Mortgages:Support for mortgages up to 30-35 years depending on country.
Transfer Tax Calculator:Automatic property transfer tax calculations by country.
Notary Fees:Calculate notary and legal fees for property transactions.
Property Insurance:Calculate property and liability insurance premiums.

Eurozone Mortgage Market Overview

The Eurozone mortgage market offers various loan types including fixed-rate, variable-rate, and tracker mortgages. Current mortgage rates vary by country and lender, typically ranging from 2-6% depending on the country and loan type. Our calculator helps you understand the true cost of homeownership including property transfer taxes, notary fees, and insurance to make informed decisions about your home purchase across all Eurozone countries.