Home loan calculator

1. Enter the price of your future home and the amount of savings you will use in the calculator. 
2. See how the interest rate and the length of the loan period you select affect your monthly home loan payment. With us, you can choose a loan period of up to 30 years.
3. Continue to our home loan application form and apply for the most flexible home loan on the market. 
4. The information you fill in for the calculator will be included in the application. You can change the loan amount under the section “Review and send” towards the end of the application. 

Read more about our home loan

How can I use the home loan calculator as an interest rate calculator?

You can use our home loan calculator to estimate how rising or falling interest rates will affect the monthly payment of your existing home loan.

Here’s how to do it:

1. In the preliminary loan calculation, select “Refinancing” as the purpose of the loan.
2. Enter your outstanding loan amount as the total amount of the loan applied for and the number of years remaining in your home loan period as the loan period.
3. Select your estimate of the future home loan interest (reference rate + margin) as the nominal interest rate. The default assumption in the calculator is the 12-month Euribor + a margin of 0.8%.
4. The calculator will show an indicative estimate of your monthly payment.

Which repayment method does the calculator use?

Our home loan calculator uses annuity as the repayment method to calculate your estimated monthly payment. When you meet with us to negotiate on your loan, we will go through all the loan details and discuss which repayment method would best suit you.

Read more about repayment methods

How do I get a more detailed calculation of the loan costs?

You will get a more detailed calculation of a new loan at the loan negotiation.

Please note that the home loan calculator uses default values to calculate the interest and other fees. The monthly costs and opening fees of the loan granted to you may be higher or lower.

What does a repayment holiday at the beginning of the loan period mean?

Some of our customers choose to have a 1 or 2-year period at the beginning of the loan period during which they won’t amortise the loan principal. A repayment holiday will increase the total loan costs to some degree, depending on how long it is.

As our home loan customer, you can also use the free FlexiPayment feature, which allows you to decrease or increase your next monthly payment without asking us first. 

Read more about FlexiPayment