Hezia Core simulators
Loan simulator
Estimate the monthly payment of a fixed-rate amortising loan, the total interest and the total cost of credit, or the amount a maximum monthly payment allows. Instant calculation, no account needed, on your device.
Nominal rate excluding insurance, applied monthly (annual rate ÷ 12).
Optional: without insurance, the monthly payment shown excludes insurance.
FeesOptional arrangement or guarantee fees
Paid once: added to the total cost, never built into the rate.
Monthly payment
€1,159.92
excluding insurance
For a €200,000.00 loan over 20 years at 3.50%, the monthly payment excluding insurance is estimated at €1,159.92 and total interest at about €78,380.66. Estimated total cost of credit: €78,380.66.
Amount borrowed
€200,000.00
Total interest
€78,380.66
Total cost of credit
€78,380.66
interest + insurance + fees
Total amount repaid
€278,380.66
sum of monthly payments
Repayment over the years
Amortisation scheduleYearly view, or month-by-month detail
| Period | Balance (start) | Payments | Interest | Principal repaid | Balance (end) |
|---|---|---|---|---|---|
| Year 1 | €200,000.00 | €13,919.04 | €6,887.91 | €7,031.13 | €192,968.87 |
| Year 2 | €192,968.87 | €13,919.04 | €6,637.86 | €7,281.18 | €185,687.69 |
| Year 3 | €185,687.69 | €13,919.04 | €6,378.88 | €7,540.16 | €178,147.53 |
| Year 4 | €178,147.53 | €13,919.04 | €6,110.69 | €7,808.35 | €170,339.18 |
| Year 5 | €170,339.18 | €13,919.04 | €5,832.98 | €8,086.06 | €162,253.12 |
| Year 6 | €162,253.12 | €13,919.04 | €5,545.39 | €8,373.65 | €153,879.47 |
| Year 7 | €153,879.47 | €13,919.04 | €5,247.54 | €8,671.50 | €145,207.97 |
| Year 8 | €145,207.97 | €13,919.04 | €4,939.13 | €8,979.91 | €136,228.06 |
| Year 9 | €136,228.06 | €13,919.04 | €4,619.78 | €9,299.26 | €126,928.80 |
| Year 10 | €126,928.80 | €13,919.04 | €4,289.02 | €9,630.02 | €117,298.78 |
| Year 11 | €117,298.78 | €13,919.04 | €3,946.49 | €9,972.55 | €107,326.23 |
| Year 12 | €107,326.23 | €13,919.04 | €3,591.78 | €10,327.26 | €96,998.97 |
| Year 13 | €96,998.97 | €13,919.04 | €3,224.49 | €10,694.55 | €86,304.42 |
| Year 14 | €86,304.42 | €13,919.04 | €2,844.11 | €11,074.93 | €75,229.49 |
| Year 15 | €75,229.49 | €13,919.04 | €2,450.23 | €11,468.81 | €63,760.68 |
| Year 16 | €63,760.68 | €13,919.04 | €2,042.31 | €11,876.73 | €51,883.95 |
| Year 17 | €51,883.95 | €13,919.04 | €1,619.89 | €12,299.15 | €39,584.80 |
| Year 18 | €39,584.80 | €13,919.04 | €1,182.43 | €12,736.61 | €26,848.19 |
| Year 19 | €26,848.19 | €13,919.04 | €729.43 | €13,189.61 | €13,658.58 |
| Year 20 | €13,658.58 | €13,918.90 | €260.32 | €13,658.58 | €0.00 |
Compare termsSame amount, same rate: 15, 20 and 25 years
15 years
Total monthly payment
€1,429.77
Total interest
€57,357.45
20 years
Total monthly payment
€1,159.92
Total interest
€78,380.66
25 years
Total monthly payment
€1,001.25
Total interest
€100,373.59
This simulation is indicative and not contractual. Actual loan terms depend in particular on the lender, insurance, fees and your situation. No APR is calculated here.
Understanding an amortising loan
The monthly payment
Each monthly payment repays some interest and some principal. At first interest weighs more; over time the principal share grows.
Interest
It is calculated every month on the outstanding balance, at the nominal rate divided by 12. Repaying faster lowers the balance, and therefore the following interest.
The term
A longer term lowers the monthly payment but increases total interest: the term comparison shows this trade-off, without any recommendation.
The total cost
It adds up interest, any insurance and fees. The APR of an actual offer, provided by the lender, includes other items this simulator does not know.
No data from this simulation is stored: all calculations stay in your browser.