In short…
The fixed-rate repayment loan is the benchmark for property finance: a constant monthly payment, a rate known in advance, no surprises. The simulator works out your monthly payment (insurance included), the total interest cost and the all-in cost of the loan — guarantee fees and arrangement fees included, with the APR and a full amortisation breakdown.
- Constant monthly payment for the whole term — capital + interest + insurance
- Total cost laid bare: interest, insurance, guarantee and arrangement fees combined
- Maximum certainty: the rate never moves
Simulate your fixed-rate loan
The simulator works out the monthly payment, the APR and the total cost from the amount, rate, term, insurance, guarantee and arrangement fees. Your data is neither stored nor transmitted.
Fixed-rate loan simulator
Work out your monthly payment, the interest cost and the total cost of a fixed-rate repayment loan.
Results are provided for purely illustrative and educational purposes, based on the parameters you enter and simplified assumptions (2026 taxation, constant return, excluding inflation). They constitute neither personalised investment advice, nor tax advice, nor an offer to subscribe. Some investments carry a risk of capital loss. Before any decision, speak with an advisor.
Why the term matters as much as the rate
Stretching the term lowers the monthly payment but sharply increases the total cost: over 25 years rather than 20, you pay interest for five extra years on capital that amortises slowly. Conversely, shortening the term makes the monthly payment heavier but can save tens of thousands of euros in interest.
The right trade-off depends on your debt-to-income ratio, your horizon and your saving capacity. The simulator lets you see this compromise in a few seconds.
The fee lines lenders gloss over
Borrower insurance — an often-overlooked lever
On a long loan, borrower insurance can account for a third of the cost of the credit. In France the Lemoine law now lets you switch insurer at any time, free of charge: a well-negotiated standalone policy often saves several thousand euros, especially for young, healthy borrowers. It is one of the first lines to optimise, on a par with the headline rate.
Guarantee fees — mandatory and rarely compared
Every property loan needs a guarantee: a Crédit Logement mutual guarantee, a lender’s lien (PPD) or a mortgage. Their cost differs markedly — and the mutual guarantee is partly refunded at the end of the loan. Comparisons that ignore guarantee and arrangement fees understate the true cost of the credit, which the APR above captures in full.
Worked example — a €300,000 loan over 20 years
A couple borrows €300,000 at 3.5% over 20 years, with 0.3% borrower insurance and a Crédit Logement mutual guarantee. Here is what the headline rate alone never shows.
| Component | Detail | Indicative cost |
|---|---|---|
| Monthly payment | Capital + interest + insurance | ≈ €1,815 / month |
| Interest | Over the whole term | ≈ €117,400 |
| Borrower insurance | 0.3% of original capital | ≈ €18,000 |
| Guarantee + arrangement fees | Crédit Logement + file fees | ≈ €4,000 |
Illustrative figures — rounded for clarity and not contractual. Run the simulator above for your exact numbers.
The headline rate alone hides nearly a third of the real cost: insurance, guarantee and arrangement fees. Comparing two offers on the nominal rate is misleading — the APR, which folds in every fee, is the only fair yardstick. That is exactly what the simulator computes for you.
Why the term matters as much as the rate
Stretching the term lowers the monthly payment but sharply increases the total cost: over 25 years rather than 20, you pay interest for five extra years on capital that amortises slowly. Conversely, shortening the term makes the monthly payment heavier but can save tens of thousands of euros in interest.
The right trade-off depends on your debt-to-income ratio, your horizon and your saving capacity. The simulator lets you visualise this compromise in a few seconds.
Borrower insurance, an often-overlooked lever
On a long loan, borrower insurance can represent a third of the cost of the credit. The Lemoine law now allows you to change insurer at any time, free of charge: a well-negotiated standalone policy often saves several thousand euros, especially for young borrowers in good health.
It is one of the first lines to optimise, on a par with the nominal rate. An advisor can put competing policies with equivalent cover head to head.
A loan to structure, not simply to sign
Two offers at the same nominal rate can carry very different all-in costs once insurance, guarantee and arrangement fees are folded in. Reading the APR rather than the headline rate, negotiating the insurance and choosing the right guarantee are where real savings sit — often more than the rate itself.
Run your projection above, then book a call: we will read your offer line by line, challenge the insurance and the fees, and check that the term fits your wider wealth strategy.
Frequently asked questions
What does the APR include that the nominal rate does not?
The APR (annual percentage rate) folds in every cost of the loan — interest, borrower insurance, guarantee fees and arrangement fees — whereas the nominal rate covers interest alone. It is the only figure that lets you fairly compare two offers.
Is a guarantee really mandatory?
Yes. Every property loan requires a guarantee — a Crédit Logement mutual guarantee, a lender’s lien (PPD) or a mortgage. Their cost differs, and the mutual guarantee is partly refunded at the end of the loan, which lowers its real cost.
Can I lower the cost of my borrower insurance?
Yes. The Lemoine law lets you switch insurer at any time, free of charge. A standalone policy with equivalent cover often saves several thousand euros, especially for young, healthy borrowers.
Does a longer term always cost more?
In interest, yes: a longer term means more years of interest on slowly amortising capital. It lowers the monthly payment but raises the total cost. The right balance depends on your debt-to-income ratio and your horizon — the simulator makes the trade-off visible instantly.
Results are provided for purely illustrative and educational purposes, based on the parameters you enter and simplified assumptions (2026 taxation, constant return, excluding inflation). They constitute neither personalised investment advice, nor tax advice, nor an offer to subscribe. Some investments carry a risk of capital loss. Before any decision, speak with an advisor.