Mortgage calculation Finance

Mortgage calculator

Calculation of payment, overpayment and schedule by year

₽
₽
%
years
Enter your mortgage details
to calculate your monthly payment
Monthly payment:
0 ₽
Debt 0%
Overpayment 0%
*Calculation is based on the annuity scheme.

Mortgage calculation

🏠 How to calculate the real cost of a mortgage

A mortgage is more than just a monthly payment. This is an overpayment that can exceed the cost of the apartment by 2-3 times. Our calculator helps you see the full picture:

  • Monthly payment: the amount that must be paid each month.
  • Total overpayment: how much money you will give to the bank in excess of the cost of housing.
  • Repayment schedule: clearly shows how in the first years you pay mainly interest, not debt.

💡 What to pay attention to before calculating

Important about rates: Banks often advertise a rate of “from 5%”, but the actual rate depends on insurance and the down payment. Always check the conditions with the current key rate Central Bank of the Russian Federation.

📉 Down payment

The higher it is, the lower the rate and overpayment. If you need to quickly calculate what share of the cost of the apartment is your savings (10%, 15% or 20%), use our interest calculator.

Больше по теме: Loan calculator
How to calculate the interest on a loan (and find out the real overpayment)What is interest on a loan? (We explain when renting a car) Many people are afraid to take out loans because they do not understand how exactly the bank calculates overpayments. It seems that this is complex magic, accessible only to financiers.
Credit📊 Annuity or differentiated: what to choose? Banks offer two repayment schemes. The size of the monthly payment and the final overpayment depend on the choice. Let's compare them: 1. Annuity payment The gist:You pay the same amount every month.
Credit📉 Is it worth refinancing? Refinancing is getting a new loan to pay off the old one on more favorable terms. But is this always beneficial? Our calculator will help you compare “Was” and “Became” in a minute.

🛡️ Insurance and extras. expenses

Rejecting life insurance often increases the rate by 1-2%. Enter the increased rate into the calculator to understand what is more profitable: buying a policy or paying the bank more.

Frequently asked questions (FAQ)

🔹 Which payment is more profitable: annuity or differentiated?

95% of banks now offer annuity payments (in equal amounts). This is more convenient for the budget, but the overpayment is ultimately higher. Differentiated payments (decreasing) are mathematically more profitable, but the first payment will be very large, and banks rarely approve them.

🔹 How to return part of the money for the mortgage?

Don't forget about the tax deduction! Citizens of the Russian Federation can return 13% of the cost of housing (up to 260 thousand rubles) and 13% of interest paid (up to 390 thousand rubles). This money can be used for early repayment.

🔹 Does the calculator take into account early repayment?

The basic calculation shows a schedule without early payments. If you plan to pay off your mortgage faster, remember the rule: it is most profitable to make an “early payment” in the first half of the loan term, choosing to reduce thetermrather than the payment amount.

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