חישוב החזר משכנתא חודשי

Fixed-rate calculations use semiannual compounding. Variable-rate calculations use the compounding convention you select. Renewal term and full amortization are separate; the rate after renewal is a scenario you enter. Accelerated biweekly means half the monthly payment every two weeks.

The purchase-price down-payment minimum is 5% up to CA$500,000, then 10% on the portion above that, or 20% for a price of CA$1.5 million or more. This is not an approval test. Enter a quoted insurance premium; taxes on premiums and transfer taxes belong in upfront costs.

Sources checked September 14, 2026: FCAC mortgage calculator, FCAC down payments, Scotiabank compounding convention.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: BaFin mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Service-Public.fr mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Banco de España mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Banca d’Italia mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: AFM mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: ch.ch mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Competition and Consumer Protection Commission mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Japan Housing Finance Agency mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Financial Supervisory Service mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: People’s Bank of China mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Bangko Sentral ng Pilipinas mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: MoneySense mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Central Bank of the UAE mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Sorted mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: CONDUSEF mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Banco Central do Brasil mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: National Credit Regulator mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Hong Kong Monetary Authority mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Central Bank of Taiwan mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Bank Indonesia mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Bank Negara Malaysia mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Bank of Thailand mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: State Bank of Vietnam mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Saudi Central Bank mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Bank of Israel mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Finansinspektionen mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Norwegian Ministry of Finance mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Danish Financial Supervisory Authority mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: National Bank of Belgium mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Austrian Financial Market Authority mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Banco de Portugal mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Polish Financial Supervision Authority mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: BDDK mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: CMF Chile mortgage guidance.

The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.

The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.

Source checked September 15, 2026: Financial Superintendence of Colombia mortgage guidance.

Repayment and tracker products load the 5% deposit basis supported by the permanent 91–95% LTV Mortgage Guarantee Scheme; lender participation and eligibility still apply. Interest-only loads a clearly labeled 25% planning amount because lenders set their own LTV and repayment-strategy requirements.

Enter the fixed-deal or rate-reset period separately from the full mortgage term. Interest-only leaves a lump sum to repay at the end. Council tax or domestic rates, insurance, service charges, purchase tax and legal fees stay as separate quoted inputs.

Sources checked September 14, 2026: GOV.UK Mortgage Guarantee Scheme and MoneyHelper mortgage options.

Principal-and-interest products load the 5% minimum for eligible buyers under the Australian Government 5% Deposit Scheme. Interest-only loads a 20% planning amount and is not presented as scheme eligibility. Lenders can require more, and LMI may apply outside the scheme.

Interest is estimated from actual elapsed days with a 365-day divisor. A constant 100% offset reduces the interest-bearing balance on eligible variable or interest-only scenarios. Use quotes for LMI, council rates, stamp duty and fees.

Sources checked September 14, 2026: Housing Australia Home Guarantee Scheme, ASIC MoneySmart offset accounts.

The deposit starts at 10%, 20% or 25% using RBI LTV bands and the entered purchase price as a planning proxy. The lender’s sanctioned amount and valuation determine the actual band; stamp duty and registration are outside the financed property value.

EMI is estimated on a monthly reducing balance. Floating-rate mode models one rate change and can compare changing EMI with changing remaining tenure. State taxes, fees and insurance stay as entered quotes.

Sources checked September 14, 2026: RBI housing-loan LTV ratios and floating-rate EMI reset rules.