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Home Loan Simulator

Calculate your repayment schedule with the tool below. This allows you to calculate and simulate your monthly payment, whether it’s a fixed or variable home loan. It shows you how much you will repay in capital and interest, and what repayments you can expect. The repayment schedule shows both annual and monthly payments.

Our simulator can also calculate the repayment of a variable home loan. It shows you the worst-case scenario, but you can adjust the interest rates for other calculations. With a variable loan, you can see the minimum and maximum repayments.

Of course, you can also simply calculate the repayment schedule of a classic fixed-rate mortgage loan. Discover all the possibilities of our handy repayment schedule calculator now!

Amount

€

Formula

Rate (yearly)

%

Loan term

Loan start

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Your simulation

Based on your data, you pay:

x.xx% monthly
+ x,xx% total interest
+ x,xx% total to be paid to the bank
Choose your scenario
Display style

Repayment table

Year
Month
Balance
Capital
Interest
Mensuality
Rate

Repayment graph

Chart image for print

Floor / Cap in layman’s terms

With a variable-rate mortgage loan, the bank can increase or decrease your interest rate at each review period by a value between 0% and your interest rate. These values are called floor (maximum decrease per review period) and cap (maximum increase per review period).

In Belgium, the law determines that the interest rate on a mortgage loan may double or halve at most throughout the term. In other words, if your interest rate is 3%, it can fall a maximum of 3% (but not below zero) or rise a maximum of 3% (i.e., double). For example, if your floor and cap are only 1%, you may have three increases during your review periods to reach the maximum increase of 3%. If your floor and cap are 3%, you can only have one review in the worst-case scenario because you are already at the legally established maximum double interest rate.

In the floor/cap fields, you enter the maximum increase/decrease, so between 0 and 3% in the example. These do not have to be the same, for example, your floor can be 1% and your cap 3%.

Banks sometimes display higher values that can occur under certain circumstances. You can also enter these, for example, 4%. If you indicate that you want to stay informed, we will take this into account. However, the calculation of the table and the graph will take into account the maximum legally allowed value.

Please indicate in which month you wish to start your mortgage loan or when it has started. This way we can better analyze when refinancing is interesting for your situation.