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🇫🇷 France · verified for the current period
Mortgage (Prêt Immobilier) & Borrowing Capacity Calculator
Mortgage (Prêt Immobilier) & Borrowing Capacity Calculator built around France rules, rates, and EUR amounts.
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years
◇ Inputs stay in this browser. Results update automatically.
Versioned calculationSee the methodology section for formula and source details.
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Payment timeline
Amortization schedule
Updates instantly when you change an input.
| Year | Principal paid | Interest paid | Total |
|---|---|---|---|
| 1 | 7 468 € | 12 330 € | 19 799 € |
| 2 | 15 319 € | 24 279 € | 39 597 € |
| 3 | 23 571 € | 35 825 € | 59 396 € |
| 4 | 32 245 € | 46 950 € | 79 195 € |
| 5 | 41 363 € | 57 631 € | 98 993 € |
| 6 | 50 947 € | 67 845 € | 118 792 € |
| 7 | 61 022 € | 77 569 € | 138 591 € |
| 8 | 71 612 € | 86 777 € | 158 389 € |
| 9 | 82 745 € | 95 443 € | 178 188 € |
| 10 | 94 446 € | 103 541 € | 197 987 € |
| 11 | 106 747 € | 111 039 € | 217 785 € |
| 12 | 119 676 € | 117 908 € | 237 584 € |
| 13 | 133 267 € | 124 115 € | 257 383 € |
| 14 | 147 554 € | 129 628 € | 277 181 € |
| 15 | 162 571 € | 134 409 € | 296 980 € |
| 16 | 178 357 € | 138 422 € | 316 779 € |
| 17 | 194 950 € | 141 627 € | 336 577 € |
| 18 | 212 393 € | 143 984 € | 356 376 € |
| 19 | 230 727 € | 145 447 € | 376 175 € |
| 20 | 250 000 € | 145 973 € | 395 973 € |
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Change term to compare a lower, current, and higher estimate.
How to use this calculator
- 1Add your current values in the units shown.
- 2Review the headline result and compare the cautious and higher views.
- 3Change one assumption at a time to understand the trade-off.
- 4Verify current France-specific rules before acting on the estimate.
Explore this calculator
What your result means →The headline estimated monthly payment is based on the inputs currently shown above (1 650 €).Key terms explained →Review the field labels and units above to understand exactly what each input controls.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save, share, or print your estimate.The calculation formula →The calculation follows the standard method described in the formula section below. Results update whenever an input changes.Worked example →Using the current values produces 1 650 € as the estimated monthly payment.Assumptions and limitations →Review the assumptions and limitations noted below before relying on this estimate.Costs or factors not included →Fees, timing, eligibility, and other France-specific rules are not automatically included.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
Understand your result
This mortgage (prêt immobilier) & borrowing capacity calculator is a localized planning experience for France. It uses the published current methodology and the values shown above. Review the listed exclusions and official references before using the estimate for a decision.
Scenario comparison
Test realistic low, middle, and high assumptions.
Key assumptions
Fees, thresholds, timing, and personal circumstances may change the outcome.
Next step
Use an official source or qualified adviser for a decision-specific answer.
Method and limitations
This mortgage (prêt immobilier) & borrowing capacity calculator is a localized planning experience for France. It uses the published current methodology and the values shown above. Review the listed exclusions and official references before using the estimate for a decision.
Publication checklist
Formula version current. Reviewed for the period shown; scheduled review by the next rule change.
Source & review statusReview the methodology status below
France-specific contextValues use EUR amounts and France conventions.
Important noteFor planning and educational use only.
Your privacy mattersInputs remain on your device.
Official references
Rules and thresholds used by this calculator are labelled for current labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.
Frequently asked questions
Is this an official calculation?+
No. It is an independent planning estimate using the published current methodology and linked official references.
Can I compare scenarios?+
Yes. Change the inputs or select a comparison card to recompute a cautious and higher estimate.
Can I save my inputs?+
Yes. Save keeps the current scenario in this browser only and records its methodology version.
What should I check before acting?+
Confirm the current France rules, listed exclusions, fees, eligibility requirements, and your individual circumstances.