Calculate the monthly payment, total interest and credit cost for a French mortgage or loan. Includes assurance emprunteur.
How to use the Loan Calculator
Enter the loan amount, the annual interest rate and the term in years.
Add the assurance emprunteur rate under Insurance to include the insurance premium in the total.
See the monthly payment, total interest, insurance cost and the full credit cost.
Frequently asked questions
The monthly payment uses the standard annuity formula: principal multiplied by the monthly rate, divided by one minus (one plus the monthly rate) to the power of minus the number of months. This gives a fixed payment that covers interest and capital repayment every month.
Assurance emprunteur is a life and disability insurance policy that most French lenders require for mortgage loans. It protects the lender if the borrower cannot repay. The cost is typically expressed as a percentage of the initial capital per year, commonly between 0.10 % and 0.50 %.
The taux nominal (nominal rate) is the base interest rate on the loan. The TAEG (taux annuel effectif global) includes the nominal rate plus insurance, arrangement fees and any other mandatory costs. Always compare TAEG figures, not just the nominal rate, when shopping for a loan.
This calculator works for any standard amortizing loan with a fixed monthly payment, including mortgage loans (pret immobilier), consumer credit and personal loans. It does not cover variable-rate loans or in-fine structures.
This calculator applies the standard annuity formula used by French banks for pret immobilier and credit a la consommation. Enter the loan amount, rate and term to get the monthly payment and the full breakdown of interest and insurance costs.
All calculations run in your browser. No data is sent to any server. This is a planning tool only and does not constitute a credit offer.
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