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Mortgage payment change calculator

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The calculator’s result is preliminary. Yesterdays available Base rate of your choice is being displayed. Your actual Base rate in contract might differ from the one displayed, because Base rates change in time. The preliminary monthly instalment is calculated applying the annual interest rate shown above (assuming that this rate will not change during the credit agreement period), the year consists of 360 days and the month of 30 days (it is specified in the credit agreement that a month consists of actual number of days of a calendar month) and loan repayment method is annuity. New loans are available with a 6-month EURIBOR variable interest rate only

A typical example:

If the total amount of a home loan being taken out related to real estate is EUR 78,000, when the duration of the credit agreement is 26 years with a 2.06 per cent variable annual interest rate, paying a one-off loan agreement administration fee established by the bank of 0.4 per cent of the credit amount (EUR 312), the minimum daily service fee (EUR 0.70 per month), the mortgage registration fee (EUR 8.60) and annuity mortgage payments, then the annual percentage rate of charge would be 2.16 per cent, and the total amount paid to the borrower would be EUR 101,672. The total number of loan payments would be 312, and the amount of each instalment would be EUR 324.

The annual percentage rate of charge, the total amount payable by the borrower, the total number of loan payments and the amount of each instalment are calculated under the assumption that the credit agreement will be valid for a period equal to the duration of the credit agreement, that the entire loan will be paid out on the day that the agreement is signed, that the parties will fulfil all of their obligations properly, and that the variable interest rate, fees and other costs will remain the same as at the time of conclusion of the credit agreement and will continue to apply until the end of the credit agreement. A customer shall also bear the costs of property insurance and appraisal. These costs depend on the individual characteristics of collateral and, therefore, are not included in the total credit price in the example above.

The loan must be secured by mortgage of real estate acceptable to the bank, and the mortgaged property must be insured by concluding an insurance agreement. A report by an independent property appraiser may be required on the value of the collateral. The costs of property insurance and appraisal depend on individual characteristics of collateral, and shall be prescribed by agreements you may have with the relevant service providers.

By using these financing services, you are assuming financial obligations. Improper fulfilment or non-fulfilment of financial obligations may have a negative impact on your credit history and make borrowing more expensive; you also risk losing ownership rights to the mortgaged real estate.

Besides, a loan administration fee may be charged at the time of entry into a credit agreement. Loan administration fees and other fees are provided here.

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