Mortgage Calculator France
Enter the price of the home, your deposit, the rate and the term: you will see the monthly payment, the total cost of interest and the amount to set aside at signing. «More options» lets you simulate an early repayment.
More options
General values (France). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
Rate discounts for bank products
Enter the rate above with every discount applied. Here, each product the bank asks for: how much it lowers the rate and what it costs a year. The discount is assumed to last the whole term.
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Count as cost what you pay extra for having it with the bank: if the same insurance costs €150 elsewhere and the bank's costs €250, that's €100. If the premium rises over the years, as life insurance does, enter the average.
Enter the price, down payment, interest rate and term.
The payment is principal plus interest: it doesn't include insurance, fees or property taxes.
Yearly amortization schedule
Enter the price, down payment, interest rate and term.
Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter the price of the home and your deposit.
- Add the annual interest rate and the term in years.
- Open «More options» to change the repayment type, the buying costs or to add an early repayment.
- Check the monthly payment, the interest, the amount at signing and the amortization schedule.
How it is calculated
The monthly rate is the annual rate divided by 12 and the loan is simulated month by month, like the bank's amortization schedule. If the rate changes after some years, the payment is recalculated in the year it changes, on the outstanding balance and the months left. Early repayments are applied at the end of the chosen year. Buying costs, share of income and maximum financing are guide values for France that you can change. With rate discounts, the rate you enter is the one you pay with every product; without each one, the rate goes up by its discount (also after a rate change) and the extra interest is compared with its cost over the years the mortgage lasts.
Payment = C · i / (1 − (1 + i)^−n) · C = capital, i = annual rate ÷ 12, n = months
Sources
- Taux d'endettement maximum — Crédit Agricole
About this calculator
Constant payments or constant amortization
In France, the vast majority of home loans are repaid in constant monthly payments: the amount does not change and, in the first years, it mostly goes on interest. With constant amortization, you repay the same share of capital every month: the first payment is higher, then it falls, and the total cost of interest is lower. The chart shows each year’s interest in blue.
Early repayment: term or payment
When you repay early, you choose what goes down. Reducing the term keeps the payment and ends the loan sooner: it is often the cheapest option. Reducing the payment keeps the term. Early repayment penalties may apply depending on your contract.
What the values for France do not take into account
The 35% debt ratio (insurance included) and the 25-year term are the rules of the High Council for Financial Stability (HCSF). Notary fees of 7.5% apply to existing homes; for new builds they are around 2 to 3%. These are general values: check them with your bank or adviser.
Frequently asked questions
Constant payments or constant amortization?
With constant payments, the most common case in France, you pay the same amount every month, mostly interest at the start. With constant amortization, you repay the same share of capital every month: the payment starts higher and then falls, and total interest is lower.
Early repayment: reduce the term or the payment?
Reducing the term usually saves more interest. Reducing the payment eases your budget every month. The calculator shows both with your numbers.
What is not included in the payment?
The payment covers capital and interest. Borrower insurance, arrangement and guarantee fees and property tax (taxe foncière) come on top.
Is it worth taking the bank's products to get a lower rate?
It depends on what they cost. Under «Rate discounts for bank products», in «More options», enter the discounted rate (with every product) as the interest rate and, for each product, such as insurance, a card or having your salary paid into the account, how much it lowers the rate and what it costs a year. You'll see how much interest each one saves and whether it's worth it; if you don't know the cost, how much it could cost a year and still pay off. Count as cost only what you pay extra for having it with the bank: if the same insurance is cheaper elsewhere, the difference.
Updated 20 October 2026
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