Chargement…
Simulator
Simulate your loan with complete transparency
Choose the type of financing, amount and term and see your monthly instalment, total cost and full repayment schedule instantly.
€
€3,000€800,000
months
6 months10 years
Rate applied: 2 % fixed per year · equal instalments
Fixed rateExcludes any arrangement fees, which are set out in the offer depending on the type of financing. Fees and conditions
Estimated monthly instalment
€2,527.17/ month
€30,000 over 1 year — Personal loan
- Amount borrowed
- €30,000.00
- Total interest
- €325.97
- Fees included
- €0.00
- Estimated total cost
- €30,325.97
Total repayable (capital + interest): €30,325.97 · Indicative APR: 2.02 %
Total cost breakdown
Capital99 %
Interest1 %
Outstanding balance
Indicative simulation. Results are calculated from the parameters shown and do not constitute a credit offer. Final terms (rate, term, fees, security) are set out in the offer issued once your application has been reviewed.
Repayment schedule
12 monthly instalments — indicative dates starting next month.
| No. | Period | Capital | Interest | Instalment | Balance |
|---|---|---|---|---|---|
| 1 | Oct 2026 | €2,477.17 | €50.00 | €2,527.17 | €27,522.83 |
| 2 | Nov 2026 | €2,481.30 | €45.87 | €2,527.17 | €25,041.53 |
| 3 | Dec 2026 | €2,485.43 | €41.74 | €2,527.17 | €22,556.10 |
| 4 | Jan 2027 | €2,489.58 | €37.59 | €2,527.17 | €20,066.52 |
| 5 | Feb 2027 | €2,493.73 | €33.44 | €2,527.17 | €17,572.79 |
| 6 | Mar 2027 | €2,497.88 | €29.29 | €2,527.17 | €15,074.91 |
| 7 | Apr 2027 | €2,502.05 | €25.12 | €2,527.17 | €12,572.86 |
| 8 | May 2027 | €2,506.22 | €20.95 | €2,527.17 | €10,066.64 |
| 9 | Jun 2027 | €2,510.39 | €16.78 | €2,527.17 | €7,556.25 |
| 10 | Jul 2027 | €2,514.58 | €12.59 | €2,527.17 | €5,041.67 |
| 11 | Aug 2027 | €2,518.77 | €8.40 | €2,527.17 | €2,522.90 |
| 12 | Sept 2027 | €2,522.90 | €4.20 | €2,527.10 | €0.00 |
| Total | €30,000.00 | €325.97 | €30,325.97 | — | |
Late-payment penalty simulation
Estimate the additional cost of an instalment paid late under the applicable scale of charges.
€
days
days
Number of days after the due date during which no penalty applies.
€
%
As a % of the unpaid instalment.
%
Applied pro rata for each day beyond the grace period.
- Days charged
- 30
- Fixed fee
- €0.00
- Percentage penalty
- €0.00
- Late-payment interest
- €0.00
Estimated additional cost€0.00Total due: €2,527.17
The penalties shown are estimates and depend on the terms of your contract. Formula: fixed fee + penalty % × instalment + instalment × annual rate × days charged ÷ 365.
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