EURIBOR 3M: —  ·  EUR/USD: —

Mortgage Calculator

Live rates · Affordability · Stress test · Overpayment · Rent vs Buy

Loan Parameters
Currency
Affordability Check
€
€
€
30k 2M
€
0% LTV: 80%
Fixed
Variable
Mixed
%
0.5% 15%
EURIBOR — + 1% spread
yrs
1 40 yrs
Advanced Options ▾
Costs
€
€
€
€
Analysis
%
Monthly Payment
€—
principal + interest
P + I—
Insurance—
HOA—
Total / mo—
🏦
Enter income for affordability check
Add gross monthly income to see DTI ratio and approval likelihood.
Loan Amount
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Total Interest
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Total Cost
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LTV Ratio
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APR (incl. fees)
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Payoff Date
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Annual Payment Breakdown
Principal
Interest
⚠ Rate Stress Test

How to use this mortgage calculator

Loan-Metric is a free mortgage calculator with live EURIBOR rates. Estimate monthly payments, total interest, DTI ratio, and full amortization. Available in 8 languages: English, Spanish, German, Italian, Croatian, Portuguese, French, Arabic.

Enter your property value, down payment, and interest rate for an instant estimate. Add your gross monthly income to see whether your payment falls within the safe DTI threshold used by lenders across Europe, the Americas, and the Gulf.

Frequently Asked Questions

What DTI ratio do lenders require?
Most lenders require front-end DTI (housing costs) below 28–35% and back-end DTI (all debts) below 40–43%. German and Swiss banks are often stricter at 25–30%.
What is EURIBOR and how does it affect my mortgage?
EURIBOR is the Euro Interbank Offered Rate — the reference rate for variable mortgages in Europe. Use the stress test to prepare for rate rises of 1–5%.
Annuity vs linear repayment — which is better?
Annuity gives fixed monthly payments (easier to budget). Linear repayment pays more principal early, saving interest overall but with higher initial payments.
How much property can I afford on my income?
The common rule is 4–5× annual gross income. The Affordability tab calculates your personal maximum based on current rates, your income, and the 35% DTI rule.