What is assurance emprunteur and why is it included?

Assurance emprunteur is borrower insurance that covers death, disability, and sometimes job loss. French banks almost always require it before releasing a mortgage, and it is priced separately from the interest rate as a percentage of the loan per year. This calculator adds it to the monthly payment so the total reflects what you actually pay.

How is the insurance premium calculated here?

The calculator applies the insurance rate to the original loan amount and divides by 12, which matches the "capital initial" pricing most French bank-group policies use: the premium stays flat for the life of the loan rather than shrinking as the balance is paid down. Delegated external insurers sometimes price on the remaining balance instead, which would produce a lower total.

What are frais de notaire and are they included in the loan?

Frais de notaire are notary fees and transfer taxes due at signing, typically around 7 to 8 percent of the price for an existing (ancien) property and 2 to 3 percent for a new build (neuf). They are shown separately here because French lenders usually expect the buyer to cover them in cash, not by financing them into the mortgage.

Why does the payment use monthly compounding instead of another convention?

French lenders quote and compound mortgage rates monthly, unlike the semi-annual convention used in Canada. The monthly rate is simply the annual nominal rate divided by 12, applied to the declining balance each month.

What loan term should I use?

Most French mortgages run 15 to 25 years, with 20 years being the most common. Terms beyond 25 years are rare and usually restricted to specific first-time-buyer schemes, since French lenders cap the debt-to-income ratio and loan length more strictly than some other countries.

France Mortgage Calculator

Name: France Mortgage Calculator
Availability: InStock
Author: Nham Vu

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.

Loan Details

Property Price

€

Down Payment (apport)

€

Interest Rate (annual, nominal)

Loan Term

Property Type

Insurance Rate

Notary Fee Rate

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

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.

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.

Frequently Asked Questions

Last updated: 2026-07-21 · Reviewed by Nham Vu