Monthly payment, true cost (APR (TAEG)), fixed or variable rate risk and how much you can afford, with the rules that apply in France.
All calculations run in your browser. Nothing you type is sent or stored.
For a mortgage of 250,000 EUR over 22 years at 3.6%, the monthly payment is about 1,372.31 EUR. Change the amount, term and rate in the calculator above to see your own payment.
The APR (TAEG) includes fees and required costs on top of interest. In our example with typical fees the APR (TAEG) is 4.28% while the nominal rate is 3.6%. Compare loans by the APR (TAEG) and by the total amount you repay.
Variable mortgages are rare in France, and those that exist are usually capped. Almost all buyers fix their rate for the whole term, so the main risk is the cost of borrower insurance, not rising rates. If rates rose by 2 points, the payment in our example would go up to 1,649.11 EUR. A fixed rate protects you from that risk, a variable rate can be cheaper when rates fall.
The HCSF limits total loan payments, insurance included, to 35% of net income, with a maximum term of 25 years. Banks also look at what remains to live on after payments. Enter your net income in the calculator to see your rate of indebtedness.
French mortgages are almost always fixed for the whole term. Every offer shows the TAEG (taux annuel effectif global), which includes the interest, the arrangement fee, the guarantee and the borrower insurance that is required. The High Council for Financial Stability (HCSF) limits borrowing to 35% of income and 25 years, and the Banque de France publishes usury caps that no loan may exceed.
The nominal interest rate only covers interest. The APR (TAEG) adds the fees and costs you must pay to get the loan, such as processing fees, account fees and required insurance, and turns everything into one yearly percentage. Two loans with the same interest rate can have very different APR (TAEG). When you compare offers for the same amount and term, the lower APR (TAEG) is usually the cheaper loan.
A fixed rate keeps your payment the same for an agreed period, so you know exactly what you pay. A variable rate is a reference rate (for example Euribor) plus the bank's margin. It is often lower at the start, but your payment rises when the reference rate rises. Use the stress test above to see your payment if rates go up by 1, 2 or 3 points, and only choose variable if you could still pay that.
With equal payments (annuity) the monthly amount stays the same, and at the start most of it is interest. With equal principal the first payments are higher but fall every month, and you pay less interest in total. Switch the repayment option in the calculator to see the difference.
Look beyond the monthly payment. Add up interest, upfront fees, monthly account and insurance costs, valuation and notary costs. A longer term lowers the payment but increases the total interest a lot. The line "cost per 100 borrowed" shows how much you pay for every 100 you borrow.
Paying off part of the loan early saves interest. Many countries limit what banks may charge for it, and variable-rate loans can often be repaid without a fee. Read the early repayment clause before you sign.
Typical mortgage at today's average rate, equal monthly payments, without fees. Interest rate: 3.6%.
| Amount | Term (years) | Monthly payment | Total interest |
|---|---|---|---|
| 150,000 EUR | 20 | 877.67 EUR | 60,640 EUR |
| 250,000 EUR | 25 | 1,265.01 EUR | 129,502 EUR |
| 350,000 EUR | 25 | 1,771.01 EUR | 181,303 EUR |
Yes. The bank may charge at most 6 months' interest on the repaid amount, capped at 3% of the remaining capital. Many recent offers waive this fee in case of sale or job change, and you can negotiate it before signing.
In October 2026 French 20 year mortgages cost about 3.4% to 3.85% nominal, and the TAEG is usually 0.3 to 0.6 points higher once insurance and guarantee are included. Personal loans cost about 5% to 7%.
No. It is an educational calculator. Your bank sets the final rate and costs. Use the results to understand and compare offers, and ask for the official pre-contract information before signing.
This page is educational. Rates are examples based on central bank statistics and published offers in October 2026, and your bank will price your loan individually. Always compare the official offer document (ESIS or standard information form) before you sign.