International Mortgage Calculator
Calculate monthly payments, total interest, and amortization for buying property abroad. Works for any country, currency, and interest rate.
Loan Details
Monthly Payment
€886
per month for 20 years
- Loan Amount
- €140,000
- Total Repayment
- €212,570
- Total Interest Paid
- €72,570
34.1% of total repayment
First 12 Months Amortization
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | €886 | €361 | €525 | €139,639 |
| 2 | €886 | €362 | €524 | €139,277 |
| 3 | €886 | €363 | €522 | €138,914 |
| 4 | €886 | €365 | €521 | €138,549 |
| 5 | €886 | €366 | €520 | €138,183 |
| 6 | €886 | €368 | €518 | €137,815 |
| 7 | €886 | €369 | €517 | €137,446 |
| 8 | €886 | €370 | €515 | €137,076 |
| 9 | €886 | €372 | €514 | €136,704 |
| 10 | €886 | €373 | €513 | €136,331 |
| 11 | €886 | €374 | €511 | €135,957 |
| 12 | €886 | €376 | €510 | €135,581 |
Mortgage Calculator FAQ
How do I calculate my mortgage payment?+
Your monthly mortgage payment depends on the loan amount, interest rate, and loan term. Use our calculator to input your property price, down payment, rate, and term to get an instant monthly payment estimate.
What is a good interest rate for an international mortgage?+
International mortgage rates typically range from 2% to 8% depending on the country, your residency status, and the lender. EU countries generally offer lower rates than emerging markets.
How much down payment do I need to buy property abroad?+
Most countries require a minimum down payment of 20–40% for foreign buyers. Some countries like Spain and Portugal may offer lower requirements for EU residents.
What other costs should I budget for when buying property abroad?+
Beyond the purchase price, budget for: purchase tax (1–10%), notary and legal fees (1–2%), agent commission (2–5%), mortgage arrangement fees, and annual property taxes.
Is it better to use a fixed or variable mortgage rate?+
Fixed rates offer predictability and protection against rate rises, while variable rates may start lower but carry risk. For international buyers, fixed rates are generally recommended for security.