Calculadora de Hipoteca

About This Calculator

Our mortgage calculator helps you understand the true cost of your home purchase. It provides a detailed breakdown of your monthly payments, including principal, interest, taxes, and insurance. This tool is essential for:

  • First-time homebuyers planning their budget
  • Existing homeowners considering refinancing
  • Property investors analyzing potential investments
  • Anyone wanting to understand their long-term mortgage costs

Cómo Usar Esta Calculadora

1

Enter Property Price

Input the total purchase price of the property (e.g., €300,000)

2

Set Down Payment

Enter your down payment as a percentage. 20% or more helps avoid PMI

3

Input Interest Rate

Enter the annual interest rate (e.g., 3.5%). Check current market rates for accuracy

4

Choose Loan Term

Select your preferred loan duration. Longer terms mean lower monthly payments but more total interest

5

Add Other Costs

Include annual property tax and home insurance for a complete monthly payment calculation

Entendiendo Términos Clave

Capital e Interés

The main part of your monthly payment that goes toward paying off your loan and the interest charged

Impuesto sobre la Propiedad

Annual taxes charged by your local government, usually paid as part of your monthly mortgage payment

Seguro de Vivienda

Required insurance that protects your property, typically included in your monthly payment

Seguro Hipotecario Privado (PMI)

Additional insurance required when down payment is less than 20%, protecting the lender against default

Sample Calculation

Example Scenario:

  • Property Price: €300,000
  • Pago Inicial: 20% (€60,000)
  • Loan Amount: €240,000
  • Tasa de Interés: 3.5%
  • Plazo del Préstamo: 30 years
  • Impuesto sobre la Propiedad: €2,400/year
  • Seguro de Vivienda: €800/year

Pago Mensual Estimado:

  • Capital e Interés: €1,077.71
  • Impuesto sobre la Propiedad: €200.00
  • Seguro de Vivienda: €66.67
  • Total Monthly Payment: €1,344.38

Helpful Tips

  • ✓Consider making a 20% down payment to avoid PMI costs
  • ✓Extra payments can significantly reduce your loan term and total interest
  • ✓Compare different loan terms to find the best balance between monthly payments and total cost
  • ✓Remember to factor in all costs, including property taxes and insurance