French Mortgage Calculator – How does it work?
Use our French mortgage calculator to find out how much it might cost you to borrow money in France. Put in the amount you wish to borrow and then how long you would like the duration of the French mortgage to be. Then, by using the table of latest rates below, put in your chosen rate.
Important Notes: This French mortgage calculator is for guidance only. It does not constitute an offer and does not take into account your personal eligibility for a loan. Just as with mortgages elsewhere, your ability to qualify for a repayment or interest only French mortgage and the maximum loan amount will depend on your personal financial situation. To request your personal decision in principle and get detailed quote please get in touch.
Calculator
| Pure rate | APRC (for €100k) | Rate description | Max term | Type | LTV | Deferred payment | Bank set up fees | Early repayment fees | |
|---|---|---|---|---|---|---|---|---|---|
| 1.50% | 2.21% | Variable | 20 years | Tracker repayment | 70% (100% LTV with 30% collateral) | 24 months | 1% capped | None | Enquire |
| 1.55% | 2.13% | Fixed for the term | 20 years | Fixed repayment | 70% (100% LTV with 30% collateral to be held in €) | 24 months | €2,000 | 6 months interest on the amount repaid | Enquire |
| 1.85% | 2.41% | Fixed for 3 months at 1.85% then Euribor 3 months +2.15% | 20 years | Tracker repayment | 85% | 24 months | 1% capped | None | Enquire |
| 2.20% | 2.78% | Fixed rate for the term | 20 years | Fixed repayment | 70% | 24 months | 1% capped | 6 months interest on the amount repaid | Enquire |
| 2.55% | 3.10% | Fixed rate for the term | 25 years | Fixed repayment | 85% | 24 Months | 1% capped | 6 months interest on the amount repaid | Enquire |
Learn more about Repayment Mortgages
Repayment Mortgages are generally more expensive as you have to pay the interest on the €100,000 and also pay off a portion of the capital. These mortgages are often called ‘capital and interest’ mortgages. The payment for €100,000 now rises to say, €7,200 per year, or almost double. Repayment mortgages are best used for main residences or for investments, like leasebacks, where the aim is to pay the mortgage off and enjoy the income. Repayment mortgages (prêt ammortissables) are the most common mortgage in France and offer the most protection.
| Pure Rate | APRC (for €100k) | Rate description | Max term | Mortgage type | LTV | Deferred payment | Bank set up fees | Early repayment | |
|---|---|---|---|---|---|---|---|---|---|
| 1.87% | 2.58% | Fixed rate for the term | 5 years | Fixed interest only | 100% (min AUM of €1m) | None | 1% capped | 6 months interest on the amount repaid | Enquire |
| 2.30% | 2.96% | Tracker 3 month Euribor + 2.60% | 14 years | Interest only | 75% | 24 Months | 1% capped | None | Enquire |
| 2.59% | 3.11% | Fixed for the term | 10 years | Interest only | 100% (min AUM of €1m) | None | 1% capped | None | Enquire |
| 2.55% | 3.35% | Fixed rate for the term | 7 years | Fixed interest only | 75% | 24 Months | 1% capped | 6 months interest on the amount repaid | Enquire |