Simulator
Loan instalment
To finance a purchase in France, it helps to know your instalment, the total credit cost and your debt ratio before committing. This simulator computes a constant-amortisation instalment, with an optional borrower insurance. Estimate your financing below.
Estimated instalment
1 521 €
incl. 71 € of insurance
The calculation, spelled out
- Monthly payment = P × i / (1 − (1 + i)^−n), where P is the principal, i the annual rate divided by twelve and n the number of payments.
- In France, borrower's insurance is computed on the initial principal, not on the outstanding balance.
- French lenders usually cap the debt-to-income ratio at 35%, insurance included.
Example: €300,000 borrowed over 20 years at 3.5%
- Monthly payment excluding insurance
- 1 739,88 €
- Total interest over the term
- 117 571 €
- Total amount repaid
- 417 571 €
Rates in force, verified in septembre 2026 : 35 % (Usual maximum debt-to-income ratio of French lenders, insurance included) ·
What the estimate covers
- Instalment excluding insurance, computed by constant amortisation over the chosen term.
- Borrower insurance estimated on the initial capital (enter your rate).
- Total interest cost, insurance cost and total amount repaid.
- Indicative debt ratio if you enter your income (common threshold: 35%).
Good to know
Indicative estimate: the actual rate, insurance and fees depend on your profile and the lender. For a financing study and a loan offer, we connect you with a partner broker who carries them out under their own responsibility.
Financing to structure?
Your dedicated contact coordinates the partner broker and assembles your file. Every mission is individually quoted.