Mortgage loan calculator
Calculate your home loan repayments
Use this calculator to quickly and accurately estimate key financial metrics such as monthly payments, loan overpayment, and effective interest rate. Simply enter your loan details—amount, term, interest rate, fees—and get instant results tailored to your specific calculation type.
An initial fee
0,00
Credit amount
300 000,00
One-time commission expenses
0,00
Other commission expenses (monthly and annual) for the whole period
0,00
Calculate monthly payment and overpayment
Classic
Annuity
Monthly payment
from 4 205,37 to 2 493,60
3 463,36
Interest expenses on the loan
106 750,00
119 066,66
Loan overpayment
106 750,00
119 066,66
Effective rate
7,00 %
7,81 %
Classic loan repayment schedule
Month
Loan debt
% + monthly commissions
Main debt
Amount of payment
1
Loan debt
297 520,66
% + monthly commissions
1 726,03
Main debt
2 479,34
Amount of payment
4 205,37
2
Loan debt
295 041,32
% + monthly commissions
1 711,76
Main debt
2 479,34
Amount of payment
4 191,10
3
Loan debt
292 561,98
% + monthly commissions
1 697,50
Main debt
2 479,34
Amount of payment
4 176,84
4
Loan debt
290 082,64
% + monthly commissions
1 683,23
Main debt
2 479,34
Amount of payment
4 162,57
5
Loan debt
287 603,31
% + monthly commissions
1 668,97
Main debt
2 479,34
Amount of payment
4 148,31
6
Loan debt
285 123,97
% + monthly commissions
1 654,70
Main debt
2 479,34
Amount of payment
4 134,04
7
Loan debt
282 644,63
% + monthly commissions
1 640,44
Main debt
2 479,34
Amount of payment
4 119,78
8
Loan debt
280 165,29
% + monthly commissions
1 626,17
Main debt
2 479,34
Amount of payment
4 105,51
9
Loan debt
277 685,95
% + monthly commissions
1 611,91
Main debt
2 479,34
Amount of payment
4 091,25
10
Loan debt
275 206,61
% + monthly commissions
1 597,65
Main debt
2 479,34
Amount of payment
4 076,98
11
Loan debt
272 727,27
% + monthly commissions
1 583,38
Main debt
2 479,34
Amount of payment
4 062,72
12
Loan debt
270 247,93
% + monthly commissions
1 569,12
Main debt
2 479,34
Amount of payment
4 048,45
13
Loan debt
267 768,60
% + monthly commissions
1 554,85
Main debt
2 479,34
Amount of payment
4 034,19
14
Loan debt
265 289,26
% + monthly commissions
1 540,59
Main debt
2 479,34
Amount of payment
4 019,93
15
Loan debt
262 809,92
% + monthly commissions
1 526,32
Main debt
2 479,34
Amount of payment
4 005,66
16
Loan debt
260 330,58
% + monthly commissions
1 512,06
Main debt
2 479,34
Amount of payment
3 991,40
17
Loan debt
257 851,24
% + monthly commissions
1 497,79
Main debt
2 479,34
Amount of payment
3 977,13
18
Loan debt
255 371,90
% + monthly commissions
1 483,53
Main debt
2 479,34
Amount of payment
3 962,87
19
Loan debt
252 892,56
% + monthly commissions
1 469,26
Main debt
2 479,34
Amount of payment
3 948,60
20
Loan debt
250 413,22
% + monthly commissions
1 455,00
Main debt
2 479,34
Amount of payment
3 934,34
21
Loan debt
247 933,88
% + monthly commissions
1 440,73
Main debt
2 479,34
Amount of payment
3 920,07
22
Loan debt
245 454,55
% + monthly commissions
1 426,47
Main debt
2 479,34
Amount of payment
3 905,81
23
Loan debt
242 975,21
% + monthly commissions
1 412,20
Main debt
2 479,34
Amount of payment
3 891,54
24
Loan debt
240 495,87
% + monthly commissions
1 397,94
Main debt
2 479,34
Amount of payment
3 877,28
25
Loan debt
238 016,53
% + monthly commissions
1 383,67
Main debt
2 479,34
Amount of payment
3 863,01
26
Loan debt
235 537,19
% + monthly commissions
1 369,41
Main debt
2 479,34
Amount of payment
3 848,75
27
Loan debt
233 057,85
% + monthly commissions
1 355,15
Main debt
2 479,34
Amount of payment
3 834,48
28
Loan debt
230 578,51
% + monthly commissions
1 340,88
Main debt
2 479,34
Amount of payment
3 820,22
29
Loan debt
228 099,17
% + monthly commissions
1 326,62
Main debt
2 479,34
Amount of payment
3 805,95
30
Loan debt
225 619,83
% + monthly commissions
1 312,35
Main debt
2 479,34
Amount of payment
3 791,69
31
Loan debt
223 140,50
% + monthly commissions
1 298,09
Main debt
2 479,34
Amount of payment
3 777,43
32
Loan debt
220 661,16
% + monthly commissions
1 283,82
Main debt
2 479,34
Amount of payment
3 763,16
33
Loan debt
218 181,82
% + monthly commissions
1 269,56
Main debt
2 479,34
Amount of payment
3 748,90
34
Loan debt
215 702,48
% + monthly commissions
1 255,29
Main debt
2 479,34
Amount of payment
3 734,63
35
Loan debt
213 223,14
% + monthly commissions
1 241,03
Main debt
2 479,34
Amount of payment
3 720,37
36
Loan debt
210 743,80
% + monthly commissions
1 226,76
Main debt
2 479,34
Amount of payment
3 706,10
37
Loan debt
208 264,46
% + monthly commissions
1 212,50
Main debt
2 479,34
Amount of payment
3 691,84
38
Loan debt
205 785,12
% + monthly commissions
1 198,23
Main debt
2 479,34
Amount of payment
3 677,57
39
Loan debt
203 305,79
% + monthly commissions
1 183,97
Main debt
2 479,34
Amount of payment
3 663,31
40
Loan debt
200 826,45
% + monthly commissions
1 169,70
Main debt
2 479,34
Amount of payment
3 649,04
41
Loan debt
198 347,11
% + monthly commissions
1 155,44
Main debt
2 479,34
Amount of payment
3 634,78
42
Loan debt
195 867,77
% + monthly commissions
1 141,18
Main debt
2 479,34
Amount of payment
3 620,51
43
Loan debt
193 388,43
% + monthly commissions
1 126,91
Main debt
2 479,34
Amount of payment
3 606,25
44
Loan debt
190 909,09
% + monthly commissions
1 112,65
Main debt
2 479,34
Amount of payment
3 591,98
45
Loan debt
188 429,75
% + monthly commissions
1 098,38
Main debt
2 479,34
Amount of payment
3 577,72
46
Loan debt
185 950,41
% + monthly commissions
1 084,12
Main debt
2 479,34
Amount of payment
3 563,46
47
Loan debt
183 471,07
% + monthly commissions
1 069,85
Main debt
2 479,34
Amount of payment
3 549,19
48
Loan debt
180 991,74
% + monthly commissions
1 055,59
Main debt
2 479,34
Amount of payment
3 534,93
49
Loan debt
178 512,40
% + monthly commissions
1 041,32
Main debt
2 479,34
Amount of payment
3 520,66
50
Loan debt
176 033,06
% + monthly commissions
1 027,06
Main debt
2 479,34
Amount of payment
3 506,40
51
Loan debt
173 553,72
% + monthly commissions
1 012,79
Main debt
2 479,34
Amount of payment
3 492,13
52
Loan debt
171 074,38
% + monthly commissions
998,53
Main debt
2 479,34
Amount of payment
3 477,87
53
Loan debt
168 595,04
% + monthly commissions
984,26
Main debt
2 479,34
Amount of payment
3 463,60
54
Loan debt
166 115,70
% + monthly commissions
970,00
Main debt
2 479,34
Amount of payment
3 449,34
55
Loan debt
163 636,36
% + monthly commissions
955,73
Main debt
2 479,34
Amount of payment
3 435,07
56
Loan debt
161 157,02
% + monthly commissions
941,47
Main debt
2 479,34
Amount of payment
3 420,81
57
Loan debt
158 677,69
% + monthly commissions
927,20
Main debt
2 479,34
Amount of payment
3 406,54
58
Loan debt
156 198,35
% + monthly commissions
912,94
Main debt
2 479,34
Amount of payment
3 392,28
59
Loan debt
153 719,01
% + monthly commissions
898,68
Main debt
2 479,34
Amount of payment
3 378,01
60
Loan debt
151 239,67
% + monthly commissions
884,41
Main debt
2 479,34
Amount of payment
3 363,75
61
Loan debt
148 760,33
% + monthly commissions
870,15
Main debt
2 479,34
Amount of payment
3 349,48
62
Loan debt
146 280,99
% + monthly commissions
855,88
Main debt
2 479,34
Amount of payment
3 335,22
63
Loan debt
143 801,65
% + monthly commissions
841,62
Main debt
2 479,34
Amount of payment
3 320,96
64
Loan debt
141 322,31
% + monthly commissions
827,35
Main debt
2 479,34
Amount of payment
3 306,69
65
Loan debt
138 842,98
% + monthly commissions
813,09
Main debt
2 479,34
Amount of payment
3 292,43
66
Loan debt
136 363,64
% + monthly commissions
798,82
Main debt
2 479,34
Amount of payment
3 278,16
67
Loan debt
133 884,30
% + monthly commissions
784,56
Main debt
2 479,34
Amount of payment
3 263,90
68
Loan debt
131 404,96
% + monthly commissions
770,29
Main debt
2 479,34
Amount of payment
3 249,63
69
Loan debt
128 925,62
% + monthly commissions
756,03
Main debt
2 479,34
Amount of payment
3 235,37
70
Loan debt
126 446,28
% + monthly commissions
741,76
Main debt
2 479,34
Amount of payment
3 221,10
71
Loan debt
123 966,94
% + monthly commissions
727,50
Main debt
2 479,34
Amount of payment
3 206,84
72
Loan debt
121 487,60
% + monthly commissions
713,23
Main debt
2 479,34
Amount of payment
3 192,57
73
Loan debt
119 008,26
% + monthly commissions
698,97
Main debt
2 479,34
Amount of payment
3 178,31
74
Loan debt
116 528,93
% + monthly commissions
684,71
Main debt
2 479,34
Amount of payment
3 164,04
75
Loan debt
114 049,59
% + monthly commissions
670,44
Main debt
2 479,34
Amount of payment
3 149,78
76
Loan debt
111 570,25
% + monthly commissions
656,18
Main debt
2 479,34
Amount of payment
3 135,51
77
Loan debt
109 090,91
% + monthly commissions
641,91
Main debt
2 479,34
Amount of payment
3 121,25
78
Loan debt
106 611,57
% + monthly commissions
627,65
Main debt
2 479,34
Amount of payment
3 106,99
79
Loan debt
104 132,23
% + monthly commissions
613,38
Main debt
2 479,34
Amount of payment
3 092,72
80
Loan debt
101 652,89
% + monthly commissions
599,12
Main debt
2 479,34
Amount of payment
3 078,46
81
Loan debt
99 173,55
% + monthly commissions
584,85
Main debt
2 479,34
Amount of payment
3 064,19
82
Loan debt
96 694,21
% + monthly commissions
570,59
Main debt
2 479,34
Amount of payment
3 049,93
83
Loan debt
94 214,88
% + monthly commissions
556,32
Main debt
2 479,34
Amount of payment
3 035,66
84
Loan debt
91 735,54
% + monthly commissions
542,06
Main debt
2 479,34
Amount of payment
3 021,40
85
Loan debt
89 256,20
% + monthly commissions
527,79
Main debt
2 479,34
Amount of payment
3 007,13
86
Loan debt
86 776,86
% + monthly commissions
513,53
Main debt
2 479,34
Amount of payment
2 992,87
87
Loan debt
84 297,52
% + monthly commissions
499,26
Main debt
2 479,34
Amount of payment
2 978,60
88
Loan debt
81 818,18
% + monthly commissions
485,00
Main debt
2 479,34
Amount of payment
2 964,34
89
Loan debt
79 338,84
% + monthly commissions
470,73
Main debt
2 479,34
Amount of payment
2 950,07
90
Loan debt
76 859,50
% + monthly commissions
456,47
Main debt
2 479,34
Amount of payment
2 935,81
91
Loan debt
74 380,17
% + monthly commissions
442,21
Main debt
2 479,34
Amount of payment
2 921,54
92
Loan debt
71 900,83
% + monthly commissions
427,94
Main debt
2 479,34
Amount of payment
2 907,28
93
Loan debt
69 421,49
% + monthly commissions
413,68
Main debt
2 479,34
Amount of payment
2 893,01
94
Loan debt
66 942,15
% + monthly commissions
399,41
Main debt
2 479,34
Amount of payment
2 878,75
95
Loan debt
64 462,81
% + monthly commissions
385,15
Main debt
2 479,34
Amount of payment
2 864,49
96
Loan debt
61 983,47
% + monthly commissions
370,88
Main debt
2 479,34
Amount of payment
2 850,22
97
Loan debt
59 504,13
% + monthly commissions
356,62
Main debt
2 479,34
Amount of payment
2 835,96
98
Loan debt
57 024,79
% + monthly commissions
342,35
Main debt
2 479,34
Amount of payment
2 821,69
99
Loan debt
54 545,45
% + monthly commissions
328,09
Main debt
2 479,34
Amount of payment
2 807,43
100
Loan debt
52 066,12
% + monthly commissions
313,82
Main debt
2 479,34
Amount of payment
2 793,16
101
Loan debt
49 586,78
% + monthly commissions
299,56
Main debt
2 479,34
Amount of payment
2 778,90
102
Loan debt
47 107,44
% + monthly commissions
285,29
Main debt
2 479,34
Amount of payment
2 764,63
103
Loan debt
44 628,10
% + monthly commissions
271,03
Main debt
2 479,34
Amount of payment
2 750,37
104
Loan debt
42 148,76
% + monthly commissions
256,76
Main debt
2 479,34
Amount of payment
2 736,10
105
Loan debt
39 669,42
% + monthly commissions
242,50
Main debt
2 479,34
Amount of payment
2 721,84
106
Loan debt
37 190,08
% + monthly commissions
228,24
Main debt
2 479,34
Amount of payment
2 707,57
107
Loan debt
34 710,74
% + monthly commissions
213,97
Main debt
2 479,34
Amount of payment
2 693,31
108
Loan debt
32 231,40
% + monthly commissions
199,71
Main debt
2 479,34
Amount of payment
2 679,04
109
Loan debt
29 752,07
% + monthly commissions
185,44
Main debt
2 479,34
Amount of payment
2 664,78
110
Loan debt
27 272,73
% + monthly commissions
171,18
Main debt
2 479,34
Amount of payment
2 650,52
111
Loan debt
24 793,39
% + monthly commissions
156,91
Main debt
2 479,34
Amount of payment
2 636,25
112
Loan debt
22 314,05
% + monthly commissions
142,65
Main debt
2 479,34
Amount of payment
2 621,99
113
Loan debt
19 834,71
% + monthly commissions
128,38
Main debt
2 479,34
Amount of payment
2 607,72
114
Loan debt
17 355,37
% + monthly commissions
114,12
Main debt
2 479,34
Amount of payment
2 593,46
115
Loan debt
14 876,03
% + monthly commissions
99,85
Main debt
2 479,34
Amount of payment
2 579,19
116
Loan debt
12 396,69
% + monthly commissions
85,59
Main debt
2 479,34
Amount of payment
2 564,93
117
Loan debt
9 917,36
% + monthly commissions
71,32
Main debt
2 479,34
Amount of payment
2 550,66
118
Loan debt
7 438,02
% + monthly commissions
57,06
Main debt
2 479,34
Amount of payment
2 536,40
119
Loan debt
4 958,68
% + monthly commissions
42,79
Main debt
2 479,34
Amount of payment
2 522,13
120
Loan debt
2 479,34
% + monthly commissions
28,53
Main debt
2 479,34
Amount of payment
2 507,87
121
Loan debt
0,00
% + monthly commissions
14,26
Main debt
2 479,34
Amount of payment
2 493,60
Comment on the Calculation
This calculator takes into account all key loan parameters to provide accurate monthly payment estimates and total overpayment amounts.
Loan Parameters
The loan includes an initial payment of 0,00, which reduces the principal amount. The total loan amount is 300 000,00. One-time commission fees are 0,00, and monthly and annual commission expenses also amount to 0,00. The nominal interest rate is 7,00% per annum, and the loan duration is 121 months.
Repayment Schemes and Monthly Payments
The classic repayment scheme starts with a maximum monthly payment of 4 205,37, which gradually decreases to a minimum monthly payment of 2 493,60 by the end of the loan term.
The annuity repayment scheme has fixed monthly payments of 3 463,36, which simplifies budgeting over the loan period.
Interest and Overpayment
Total interest expenses under the classic scheme amount to 106 750,00 (in currency), while under the annuity scheme, they amount to 119 066,66.
Total overpayment (amount paid in addition to the borrowed principal) is 106 750,00 for the classic scheme and 119 066,66 for the annuity scheme.
Effective Rate
The effective interest rate (APR), including commissions and fees, is 7,00% for the classic scheme and 7,81% for the annuity scheme.
Below is a detailed repayment schedule breaking down monthly principal balance, interest and fees, principal repayment, and total monthly payment.
Use this information to plan your finances wisely and choose the repayment plan that best fits your needs.
Recommendations Based on Your Loan Calculation
- Your overpayment is moderate, which indicates reasonable loan terms.
- The classic repayment scheme starts with a higher monthly payment (4 205,37) and gradually decreases to 2 493,60. If your budget allows, this can save you interest over time.
- Always review the detailed repayment schedule to understand how your principal and interest payments change month by month.
- If possible, make additional payments toward the principal to reduce total interest and shorten the loan term.
Video Guide
