Mortgage calculator: estimate financing and affordability
The calculator combines the purchase price, equity and income to create an initial financing view. It shows where affordability or loan-to-value could become scarce.
Can be used without an account
Product preview
Mortgage Calculator
What you can do
Key features
Calculates the approximate financing requirement from the purchase price and equity.
Shows loan-to-value and calculative affordability.
Takes into account income, interest assumption, amortization and additional costs.
Allows default assumptions to be edited if necessary.
How it works
Step by step
- 1
Indicate property value
Enter the purchase price or estimated value of the property.
- 2
Supplement your own resources and income
Record available funds and relevant gross income.
- 3
Check result
Pay attention to loan-to-value, affordability and the assumptions used.
- 4
Compare variants
Change the purchase price or equity to see the greatest leverage.
What you need
Requirements
- Approximate purchase price or property value.
- Available equity and gross income.
Practical guidance
Helpful tips
- You should also have reserves for additional purchase costs and initial work.
- Compare several scenarios before obtaining a specific bank offer.
Deliberate limits
What this tool does not do
- The result is not a loan commitment or a personal offer.
- Banks can assess income, assets and property differently.
- Taxes, individual living costs and special cases are only included in simplified form.
Quick answers
Frequently asked questions
Why does the calculator expect a higher interest rate than today?+
Banks usually check long-term affordability with a cautious calculation assumption and not just with the current offered interest rate.
Are pension funds and pillar 3a equity capital?+
They can be used under conditions. The exact effect depends on financing, precautions and personal situation.