Home loan calculator
See how much you can borrow and what the monthly payment would be. No sign-up, and nothing is sent to a bank.
€ 10,000 to € 2,000,000
1 to 30 years
6-month Euribor + bank margin
Your monthly payment
€ 724.80 per month
Home price with a 15 % deposit. The deposit is usually at least 15 % of the price.
What you pay back
360 payments
- Principal
- € 150,000
- Interest
- € 110,926.19
- Total repaid
- € 260,926.19
Interest is 43 % of everything you repay. A shorter term or a larger deposit cuts it the most.
Sample repayment schedule Principal, interest and balance by year
| Year | What you pay back | Principal | Interest | Balance at year end |
|---|---|---|---|---|
| 1 | € 2,596 | € 6,102 | € 147,404 | |
| 2 | € 2,704 | € 5,993 | € 144,700 | |
| 3 | € 2,817 | € 5,880 | € 141,882 | |
| 4 | € 2,935 | € 5,762 | € 138,947 | |
| 5 | € 3,058 | € 5,640 | € 135,889 | |
| 6 | € 3,186 | € 5,512 | € 132,703 | |
| 7 | € 3,319 | € 5,379 | € 129,385 | |
| 8 | € 3,457 | € 5,240 | € 125,927 | |
| 9 | € 3,602 | € 5,096 | € 122,326 | |
| 10 | € 3,752 | € 4,945 | € 118,574 | |
| 11 | € 3,909 | € 4,789 | € 114,664 | |
| 12 | € 4,072 | € 4,625 | € 110,592 | |
| 13 | € 4,242 | € 4,455 | € 106,350 | |
| 14 | € 4,420 | € 4,278 | € 101,930 | |
| 15 | € 4,604 | € 4,093 | € 97,326 | |
| 16 | € 4,797 | € 3,901 | € 92,529 | |
| 17 | € 4,997 | € 3,700 | € 87,532 | |
| 18 | € 5,206 | € 3,492 | € 82,326 | |
| 19 | € 5,423 | € 3,274 | € 76,902 | |
| 20 | € 5,650 | € 3,048 | € 71,253 | |
| 21 | € 5,886 | € 2,812 | € 65,366 | |
| 22 | € 6,132 | € 2,566 | € 59,235 | |
| 23 | € 6,388 | € 2,309 | € 52,846 | |
| 24 | € 6,655 | € 2,043 | € 46,191 | |
| 25 | € 6,933 | € 1,765 | € 39,258 | |
| 26 | € 7,223 | € 1,475 | € 32,036 | |
| 27 | € 7,525 | € 1,173 | € 24,511 | |
| 28 | € 7,839 | € 859 | € 16,672 | |
| 29 | € 8,166 | € 531 | € 8,506 | |
| 30 | € 8,506 | € 190 | € 0 |
Indicative arithmetic, not a credit offer. The rate is variable; we assume it stays the same for the whole term. The maximum follows the Bank of Estonia's home loan rules: all loan payments together up to 50 % of net income, tested at a rate 2 percentage points higher and at least 6 %. Banks also look at dependants, collateral and age. Contract fees, insurance and collateral costs are not included.