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.