Compute your monthly payment with the constant annuity method, the regulatory approach used by every French bank, with the split between principal, interest and borrower insurance. The total credit cost and the yearly amortization table update instantly, with no sign-up and no data stored.
Excluding insurance and file fees.
The HCSF rule caps the term at 25 years for most loans.
Group contract on initial capital. Enter 0 if none.
Total monthly payment
€1,482.49
Insurance included
Credit share (principal + interest)
€1,411.66
Insurance share
€70.83
Total credit cost
€105,797
Interest + insurance
Interest share
€88,797
Total amount repaid
€355,797
| Year | Principal repaid | Interest | Insurance | Outstanding balance |
|---|---|---|---|---|
| 1 | €9,072 | €7,868 | €850 | €240,928 |
| 2 | €9,367 | €7,573 | €850 | €231,561 |
| 3 | €9,671 | €7,269 | €850 | €221,890 |
| 4 | €9,985 | €6,955 | €850 | €211,905 |
| 5 | €10,309 | €6,631 | €850 | €201,596 |
| 6 | €10,644 | €6,296 | €850 | €190,952 |
| 7 | €10,990 | €5,950 | €850 | €179,962 |
| 8 | €11,347 | €5,593 | €850 | €168,615 |
| 9 | €11,715 | €5,225 | €850 | €156,900 |
| 10 | €12,096 | €4,844 | €850 | €144,805 |
| 11 | €12,488 | €4,452 | €850 | €132,316 |
| 12 | €12,894 | €4,046 | €850 | €119,423 |
| 13 | €13,313 | €3,627 | €850 | €106,110 |
| 14 | €13,745 | €3,195 | €850 | €92,365 |
| 15 | €14,191 | €2,749 | €850 | €78,174 |
| 16 | €14,652 | €2,288 | €850 | €63,522 |
| 17 | €15,128 | €1,812 | €850 | €48,394 |
| 18 | €15,619 | €1,321 | €850 | €32,775 |
| 19 | €16,126 | €814 | €850 | €16,649 |
| 20 | €16,649 | €290 | €850 | €0 |
The payment excluding insurance follows the constant annuity formula: m = P × r ÷ (1 − (1 + r)⁻ⁿ), where P is the principal, r the monthly rate (annual rate divided by 12) and n the number of payments. Each installment first covers the month’s interest, computed on the outstanding capital, and the remainder amortizes the principal. This is why the interest share is highest at the start of the loan and shrinks with every payment.
With a bank group contract, the premium is usually constant and computed on the initial capital: that is the assumption used by this simulator. With a delegated policy, the premium is computed on the outstanding capital and decreases over time, which is often cheaper for equivalent guarantees. Since the Lemoine law, you can switch borrower insurance at any time, free of charge and without notice.
Two offers with the same monthly payment can carry very different costs: arrangement fees, guarantee cost (mortgage lien or surety) and above all insurance. The legal comparison indicator is the APR, which aggregates every mandatory charge. Before signing, also check the total credit cost over the term and the early repayment conditions.
As an indication, €250,000 borrowed over 20 years at 3.20% excluding insurance gives a monthly payment of about €1,412. With group insurance at 0.34% on the initial capital, add about €71 per month. Use the calculator above to adjust the rate and term to your actual situation.
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Indicative estimate. Results are provided for information only, based on dated scales, with no contractual value. They are neither a credit offer nor personalized advice. No entered data is stored or transmitted. A loan commits you and must be repaid: check your repayment capacity before committing.
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