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Mortgages are sold on the introductory rate, but you live with the payment that follows it. This shows both payments at the same size, the total cost over the whole term and the cash you need on the day — and nothing you enter leaves your browser.
Your own money paid at purchase.
Monthly payment
648.20 EUR
Total cost
194,459.34 EUR
Loan amount
96,000.00 EUR
Loan-to-value
80.0%
The share of the price you borrow. Lenders often set rates and limits by it.
Total interest
98,459.34 EUR
Effective annual rate
6.70%
Cash needed upfront
24,000.00 EUR
Your down payment. Lender, valuation and notary fees come on top.
What you still owe, and the interest paid so far, after every payment.
The balance falls from 96,000.00 EUR to zero over 300 payments; interest paid reaches 98,459.34 EUR.
Hover or tap the chart to see any payment. Arrow keys work too.
Interest comes first. The early payments mostly go to the lender; the later ones mostly clear the debt.
Over the whole term you pay 98,459.34 EUR in interest on top of the amount you borrow.
Illustrative figures, computed with the same engine as the calculator above. The rates are round numbers, not offers — open an example and change anything.
150,000.00 EUR home, 30,000.00 EUR down, 25 years
Fixed at 6.5%
5.9% for 3 years, then 7.5%
When the introductory rate ends, the payment rises by 110.08 EUR a month. That is the figure to plan around, not the first one.
The calculation runs in your browser on the same engine the Sollus app uses. No figure is sent to a server, no account is asked for, and there is nothing to unsubscribe from afterwards.
Sollus stores the loan, tracks what you actually pay, splits every payment into principal and interest, and tells you what paying extra would save.