French Loan and Mortgage Calculator
Calculate the monthly payment, total interest and credit cost for a French mortgage or loan. Includes assurance emprunteur.
How to use the Loan Calculator
- 01
Enter the loan amount, the annual interest rate and the term in years.
- 02
Add the assurance emprunteur rate under Insurance to include the insurance premium in the total.
- 03
See the monthly payment, total interest, insurance cost and the full credit cost.
How the loan calculator works
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.
The annuity formula spreads the loan into equal monthly payments across the term, so each payment covers part interest and part capital.
What the calculator covers
It works for both a French mortgage (pret immobilier) and a consumer loan (credit a la consommation), and it includes assurance emprunteur in the cost breakdown.
How to read the result
The output shows the monthly payment along with the total interest and total credit cost over the life of the loan, so you can see what the borrowing adds up to beyond the amount you receive.
A planning tool, not a credit offer
All calculations run in your browser and no data is sent to any server. This is a planning tool only and does not constitute a credit offer. The figures a lender quotes may differ from this estimate.
Frequently asked questions
How is the monthly payment calculated?
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.
What is assurance emprunteur?
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 %.
What is the difference between the taux nominal and the TAEG?
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.
Is this calculator suitable for all French loans?
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.
Sources
This tool is for general information only and is not financial, tax, or legal advice. Results are estimates that depend on your situation and current rules, so check the official source or a qualified professional before you act.
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