Mortgage calculator
Most variable-rate mortgages in the euro area charge Euribor plus a fixed margin. Enter your loan and see the payment at today's rate, and what happens if Euribor moves.
Monthly payment
€1,083
Interest rate
4.245%
Euribor 12 months + 1.00%
Total interest
€124,875
If Euribor changes
| Euribor | Interest rate | Payment | Difference |
|---|---|---|---|
| 2.245% | 3.245% | €974 | −€109 |
| 2.745% | 3.745% | €1,028 | −€55 |
| 2.995% | 3.995% | €1,055 | −€28 |
| 3.245% (Oct 20, 2026) | 4.245% | €1,083 | – |
| 3.495% | 4.495% | €1,111 | +€28 |
| 3.745% | 4.745% | €1,140 | +€57 |
| 4.245% | 5.245% | €1,198 | +€115 |
Annuity calculation with monthly compounding. Ignores fees, insurance, floors and caps. Your bank's own formula may differ slightly.