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 months50 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
€1,276.21/ month
€30,000 over 2 years — Other financing solutions
- Amount borrowed
- €30,000.00
- Total interest
- €628.97
- Fees included
- €0.00
- Estimated total cost
- €30,628.97
Total repayable (capital + interest): €30,628.97 · Indicative APR: 2.02 %
Total cost breakdown
Capital98 %
Interest2 %
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
24 monthly instalments — indicative dates starting next month.
| No. | Period | Capital | Interest | Instalment | Balance |
|---|---|---|---|---|---|
| 1 | Oct 2026 | €1,226.21 | €50.00 | €1,276.21 | €28,773.79 |
| 2 | Nov 2026 | €1,228.25 | €47.96 | €1,276.21 | €27,545.54 |
| 3 | Dec 2026 | €1,230.30 | €45.91 | €1,276.21 | €26,315.24 |
| 4 | Jan 2027 | €1,232.35 | €43.86 | €1,276.21 | €25,082.89 |
| 5 | Feb 2027 | €1,234.41 | €41.80 | €1,276.21 | €23,848.48 |
| 6 | Mar 2027 | €1,236.46 | €39.75 | €1,276.21 | €22,612.02 |
| 7 | Apr 2027 | €1,238.52 | €37.69 | €1,276.21 | €21,373.50 |
| 8 | May 2027 | €1,240.59 | €35.62 | €1,276.21 | €20,132.91 |
| 9 | Jun 2027 | €1,242.66 | €33.55 | €1,276.21 | €18,890.25 |
| 10 | Jul 2027 | €1,244.73 | €31.48 | €1,276.21 | €17,645.52 |
| 11 | Aug 2027 | €1,246.80 | €29.41 | €1,276.21 | €16,398.72 |
| 12 | Sept 2027 | €1,248.88 | €27.33 | €1,276.21 | €15,149.84 |
| Total | €30,000.00 | €628.97 | €30,628.97 | — | |
Showing the first 12 of 24 instalments.
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: €1,276.21
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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