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Eurozone Mortgage Calculator

Calculate mortgage payments for properties in Germany, France, Spain, Italy, and other Eurozone countries

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 for properties across Europe using the Euro (€). Whether you're buying in Berlin, Paris, Madrid, or Rome, our calculator accounts for country-specific factors like notary fees, property transfer taxes, and local lending regulations.

Eurozone Mortgage Features

Multi-Country Support:Covers Germany, France, Spain, Italy, and other Euro countries.
German Mortgages:Long fixed-rate periods (10-30 years) and KfW loans for energy efficiency.
French PTZ Loans:Prêt à Taux Zéro (zero-interest loans) for eligible first-time buyers.
Notary & Transfer Tax:Calculate notary fees (2-8%) and property transfer taxes by country.
Fixed & Variable Rates:Compare long-term fixed rates popular in Germany with variable options.
Down Payment Planning:Typical 20-30% down payments required across most Eurozone countries.

Eurozone Mortgage Market Overview

The Eurozone mortgage market varies by country but shares the common Euro currency. Germany offers some of the most stable and long-term fixed rates in Europe, while France has stricter lending criteria with a 33% debt-to-income cap. Spain and Italy offer more flexibility but with varying closing costs. Our calculator helps you understand total homeownership costs across all Eurozone markets.

Eurozone Mortgage FAQs

Need more help? Visit our blog for detailed guides or general FAQ for more mortgage questions.