Simulator
Loan simulator
Calculate your indicative monthly payment — instantly, transparently, with no commitment.
Loan simulator
€10,000.00
€10,000.00€700,000.00
60 months — 5 years
12 months240 months — 20 years
Market-linked · 4.00%
Indicative rate = ECB policy rate (MRO) + margin · as of 2026-09-19 — ECB · MRO 2.65 % + 1.35 pt
Your result
Estimated monthly payment
€184.17
Estimated total amount
€11,049.91
Total cost of credit
€1,049.91
Fixed borrowing rate
4.00 %
APR
4.00 %
Duration
60 months
Indicative simulation — it constitutes neither a credit offer nor a guarantee of acceptance. Final conditions depend in particular on the project, the applicant's situation and the review carried out by the competent party.
Scenario comparison
| Scenario | Duration | Monthly payment | Interest | Total cost |
|---|---|---|---|---|
| Shorter duration | 48 months | €225.79 | €837.95 | €10,837.95 |
| Your selection | 60 months | €184.17 | €1,049.91 | €11,049.91 |
| Longer duration | 72 months | €156.45 | €1,264.53 | €11,264.53 |