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Calculadora de hipoteca

Estima las cuotas de la hipoteca a partir del precio, entrada, tipo y plazo — con LTV.

No se requiere cuenta.

Datos de entrada

Entrada / pago inicial

%
%

Resultados

Cuota mensual estimada
1590 €
Principal prestado
280.000 €
Interés total
292.331 €
Reembolso total
572.331 €
Ratio préstamo/valor (LTV)
80.0%
Entrada / pago inicial
70.000 €
Número de cuotas
360

Repayment breakdown

Principal 49% Interest 51%
  • Payment estimate uses a standard fixed-rate amortizing loan formula.
  • Loan-to-value (LTV) is about 80.0% of the property price.
  • Estimate excludes taxes, insurance, HOA fees, and country-specific lending costs unless modeled separately.

Comparing a general personal loan? Open Loan Calculator

Las calculadoras de BudgetPilot son solo informativas y educativas. Los resultados son estimaciones y pueden diferir de los cálculos del prestamista por comisiones, seguros, impuestos, reglas de ajuste de tipos, convenciones de capitalización, métodos de cómputo de días y otras condiciones contractuales.

How mortgages work in Romania

Variable RON consumer loans typically use IRCC (quarterly) plus a lender margin. The index is published by BNR and applies for a defined quarter; it is not the same as the overnight policy rate. EUR loans may reference Euribor instead. Always confirm the contractual index.

How the calculation works

Loan amount is property price minus down payment. Monthly payment uses the standard amortizing formula on that principal. LTV is principal ÷ property price. Taxes, insurance, and fees are not included in the base estimate.

Country-specific modes

When you select a market, interest structures come from the shared financial-market configuration (fixed, variable, tracker, ARM concepts, Canada term vs amortization, and more). Official reference indexes are loaded only when verified; otherwise enter them manually. Your contractual rate is typically reference + lender margin.

Learn more: How loan interest rates work

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