€200,000 mortgage
Calculate the monthly payment, total interest, and amortization table for a €200,000 mortgage, using the same data you'd use for your own mortgage.
Results
Monthly payment
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Total paid
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Total interest
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LTV ratio (loan/value)
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The monthly payment is calculated with the French amortization system: payment = C · [ i (1+i)^n ] / [ (1+i)^n - 1 ], where C is the loan amount, i is the monthly interest rate and n the number of payments.
Outstanding balance over time
Amortization schedule
| Periodo | Cuota | Interés | Capital | Pendiente |
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When should you use this calculator?
This page is useful if you're specifically looking for how much you'd pay on a €200,000 mortgage, as a quick reference before looking at a specific property or requesting a binding offer from a bank. The fields are pre-filled with €200,000 and no down payment, but you can change any value (down payment, term, interest rate) to fit your own situation.
Practical example
For €200,000 repaid over 25 years at a 3% fixed rate, the monthly payment is €948.42, with total interest of €84,526.79 over the life of the loan (total paid: €284,526.79). If you extend the term to 30 years, the payment drops while the total interest cost rises — change the term in the calculator to see the exact difference for your case.
Practical tips
Keep in mind that €200,000 is usually the loan amount, not the property's price: if you put down a deposit (typically around 20%, since banks usually don't finance 100%), the property's price would be higher than the loan itself. Before deciding, always compare the APR (not just the nominal rate) between offers from different banks.
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Frequently asked questions
Is €200,000 the property's price or the loan amount?
In this calculator, €200,000 is the loan amount (the capital being borrowed). If you need to put down a deposit, the property's price would be higher than those €200,000.
How much do I need to earn to get a €200,000 mortgage?
Banks typically require the monthly payment not to exceed 30-35% of your net income. With a payment of around €950/month (over 25 years at 3%), this suggests a net monthly income of roughly €2,700-€3,150, though each lender applies its own criteria.
What term should I choose for a €200,000 mortgage?
It depends on your repayment capacity: a longer term lowers the monthly payment but increases the total interest paid. Use the calculator, changing the term, to compare the payment and total interest before deciding.
Can I simulate this mortgage at a variable rate?
Yes, select "Variable" as the interest type to enter the spread over the reference rate; the calculator uses the live 12-month Euribor value as a starting point.