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Mortgage calculator
Estimate Spanish home-loan monthly payments for fixed rates or variable Euribor + differential, including total interest and LTV.
How to use
- Enter price and down payment.
- Set term years.
- Choose fixed or variable rate inputs.
What the tool does
Uses standard amortization math.
What the tool does not do
Excludes insurance, fees, and ITP/AJD taxes.
Tips
- Stress-test +1% rate.
- Keep LTV ≤80% when possible.
FAQ
- Variable formula?
- Annual rate ≈ Euribor + spread, then monthly amortization.
- Includes bank fees?
- No — add opening fees separately.
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