Mortgage calculator

How much will you pay each month?

Work out your mortgage payment, the purchase taxes and how much you need to save. Change any figure and the result updates instantly.

Property price

€

Property type

Second-hand New build

Purchase taxes

In Catalonia, second-hand homes pay 10 % transfer tax (ITP, general rate). Reduced rates apply to young buyers, large families and other cases: if that is you, change the percentage.

Notary, land registry and admin fees (approx.)

€

Approximate purchase costs. You can change this if you already have a quote.

Valuation (approx.)

€

The valuation the bank requires before granting the mortgage.

Your savings

€

Your savings first cover the taxes and costs; the rest reduces what you borrow from the bank.

Term

years

Interest rate

Reference: 12-month Euribor 3,247 % (sep. 2026, European Central Bank). On a variable-rate mortgage the rate is Euribor plus the margin the bank offers you.

Debt-to-income ratio Optional

Enter each buyer's salary and we will work out what share of your income would go on the payment. Nothing is saved or sent: the calculation happens on your device.

Other monthly repayments you already make

€

Car loan, personal loans, instalment purchases… The bank adds them to the mortgage payment.

Monthly payment (approx.)

–

Property price–

Purchase taxes–

Notary, land registry and admin fees (approx.)–

Valuation (approx.)–

Total purchase cost–

Savings contributed–

Mortgage amount–

Recommended net income–

All figures are approximate and for guidance only.

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Approximate figures. Guide calculation with fixed repayments (French amortisation). Taxes and notary, registry, admin and valuation costs are estimates; it does not include linked insurance and is not a financing offer: final terms are set by each lender according to your profile. The debt-to-income ratio is the share of net monthly income (with extra payments spread over 12 months) that goes on the mortgage and other loans; banks usually set the limit at 30-35 %. The recommended income assumes the payment does not exceed 35 % of net monthly income.