Term 15Faster, dearer monthly
15 years
€5 055 A month
Interest is 28 % of what you borrow
Total interest€197 913
Total repaid€909 913
Paid off by2041
Against 25 years−€147 998
What you can actually borrow.
Six calculators, all doing the same honest arithmetic — monthly payment, amortisation, terms compared and what a month really costs.
Plate 01 Repayment estimate Ref. AV-MTG-01
Fill in four lines.
Typed, not dragged — for people who know their numbers.
Property price01
EuroDeposit02
Per cent · €150 000Term03
YearsInterest rate04
Per cent a year
Monthly payment
€2 972
€600 000
Amount borrowed
€291 498
Total interest
€891 498
Total repaid
Plate 02 Sidebar widget, hairline 620 × auto · no fill
Quiet enough to sit under the price.
No filled panel, no shadow — a ruled docket that reads as part of the listing rather than an advert.
Plate 03 Inline strip 2440 × 240 · sits under a listing card
One line, under the price.
A full-width band for a hero or a listing footer. No panel, no shadow — just a ruled row.
01020304 Borrowing 80 % of the price
Price
€890 000
€100k€1.5m€3m
Deposit
20 %€178 000
0 %30 %60 %
Term
25 yrs300 payments
52035
Rate
3.4 %fixed
0.1 %4.5 %9 %
Plate 04 Amortisation €3 526 a month · 25 years
Where the money actually goes.
Early years are mostly interest. The chart shows the crossover; the table shows the first twelve months to the euro.
Price €890 000
Deposit 20 %
Term 25 yrs
Rate 3.4 %
Capital Interest Capital overtakes interest in year 6
€42k
€21k
€0
Year 1 Year 12 Year 25
Year 9
A quarter of the loan repaid
Year 16
Half repaid
Year 6
Capital overtakes interest
€292 759
Interest paid by the half-way year
The first twelve months €2 017 of the first payment is interest
MonthPaymentCapitalInterestBalance
01 €3 526 €1 509 €2 017 €710 491
02 €3 526 €1 513 €2 013 €708 978
03 €3 526 €1 518 €2 009 €707 460
04 €3 526 €1 522 €2 004 €705 938
05 €3 526 €1 526 €2 000 €704 412
06 €3 526 €1 531 €1 996 €702 881
07 €3 526 €1 535 €1 991 €701 347
08 €3 526 €1 539 €1 987 €699 807
09 €3 526 €1 544 €1 983 €698 264
10 €3 526 €1 548 €1 978 €696 716
11 €3 526 €1 552 €1 974 €695 163
12 €3 526 €1 557 €1 970 €693 607
Year 1 €42 316 €18 393 €23 923 €693 607
Interest over the term25 years
€345 911That is 49 % on top of what you borrow — the price of not paying cash.
Monthly payment€3 526
Borrowed€712 000
Total repaid€1 057 911
Pay €200 more a month
Clear it 2 years earlier and save €31 261 in interest.
Plate 05 Three terms compared €712 000 borrowed at 3.4 %
Fifteen years or thirty, side by side.
Same house, same deposit, same rate. The only thing that changes is how long you hold the debt.
Term 25The common choice
25 years
€3 526 A month
Interest is 49 % of what you borrow
Total interest€345 911
Total repaid€1 057 911
Paid off by2051
Against 25 years—
Term 30Cheaper monthly, dearer overall
30 years
€3 158 A month
Interest is 60 % of what you borrow
Total interest€424 731
Total repaid€1 136 731
Paid off by2056
Against 25 years+€78 821
Fifteen years costs €1 529 more a month and saves €147 998 in interest.
Same house, same deposit, same rate
Price €890 000
Deposit 20 %
Rate 3.4 %
Plate 06 What a month costs €4 927 a month, all in
Five bills, one household.
€4 927 A month, all in
Line 0172 %
Mortgage payment
€3 526 €42 316 a year
The loan itself, fixed for the term you chose.
Capital and interestLine 0217 %
Property tax
€816 €9 790 a year
Levied on the value of the home, not on what you borrowed.
1.1 % of value a yearLine 035 %
Insurance
€260 €3 115 a year
Buildings and contents, required by every lender.
0.35 % of value a yearLine 040 %
Mortgage cover
€0 €0 a year
Your deposit clears the threshold, so nothing is charged.
Not required above 20 %Line 057 %
Service charge
€325 €3 900 a year
Set by the building, not by the lender.
Set by the buildingPrice €890 000
Deposit 20 %
Service charge €325
Rate 3.4 %
