France Mortgage Calculator
Enter the property price, down payment, interest rate, term, and insurance rate to get your French mortgage monthly payment, notary fees, and a year-by-year schedule.
Use the France Mortgage Calculator
Loan Details
Assurance emprunteur is applied to the original loan amount (capital initial). Notary fee rate is a common estimate; actual fees vary by region and price.
Enter a property price to see your mortgage breakdown.
Total Monthly Payment
€0.00
principal, interest & assurance emprunteur
Loan Amount
€0.00
Total Interest
€0.00
Total Insurance
€0.00
Notary Fees
€0.00
| Detail | Value |
|---|---|
| Principal & interest payment | — |
| Monthly insurance premium | — |
| Cash needed at signing (apport + notary) | — |
| Total cost of credit (interest + insurance + notary) | — |
Year-by-Year Schedule
| Year | Principal Paid | Interest Paid | Insurance Paid | Remaining Balance |
|---|
Summary
This calculator estimates monthly payments for a French home loan (credit immobilier) using the fixed-rate, monthly-compounding structure French banks typically offer. It adds the two costs that catch first-time buyers off guard: assurance emprunteur, the borrower insurance nearly every French lender requires, and frais de notaire, the notary fees due at signing. Enter the property price, down payment, rate, and term to see the full monthly cost and a year-by-year breakdown of principal, interest, and remaining balance.
How it works
- Enter the property price in euros.
- Enter your down payment (apport personnel) as a percentage or euro amount.
- Enter the annual interest rate quoted by the lender.
- Choose the loan term in years.
- Enter the assurance emprunteur insurance rate and pick new or existing property for the notary fee estimate.
- Read the monthly payment, total insurance and notary cost, and the year-by-year schedule in the results panel.
Use cases
- Estimating the full monthly cost of a French home loan before signing a compromis de vente.
- Comparing how a larger apport personnel reduces the loan amount and monthly payment.
- Checking how much assurance emprunteur adds to the monthly cost over the full term.
- Budgeting cash needed at signing, since notary fees are usually paid upfront rather than financed.
- Comparing a new-build (neuf) purchase against an existing property (ancien) given the different notary fee rates.
- Seeing how a shorter loan term changes total interest paid versus a lower monthly payment.