es-ES · Normas locales
Calculadora de hipoteca con amortización anticipada
Compara cuotas, intereses y plazo con pagos adicionales y consulta por separado una estimación de ITP o AJD.
Metodología
Fixed-rate estimate with the local currency and cost categories shown separately.
How to read this
A payment is only one part of the decision.
The first years of a mortgage usually carry more interest than principal. The local rules panel keeps taxes, insurance, and market conventions separate so you can see what is assumed.
View the amortization tableCompare plans
See the cost of paying extra
| Scenario | Total interest | Payoff time | Interest saved |
|---|---|---|---|
| Base plan | 437.969 € | 30y 0m | 0 € |
| +300/month | 302.096 € | 22y 0m | 135.874 € |
First six periods
Amortization preview
| Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 2217 € | 342 € | 1875 € | 359.658 € |
| 2 | 2217 € | 343 € | 1873 € | 359.315 € |
| 3 | 2217 € | 345 € | 1871 € | 358.970 € |
| 4 | 2217 € | 347 € | 1870 € | 358.623 € |
| 5 | 2217 € | 349 € | 1868 € | 358.274 € |
| 6 | 2217 € | 351 € | 1866 € | 357.924 € |
Sources and assumptions
Transparent by design.
Loan payment uses the selected country compounding convention. Taxes and recurring costs are separate estimates; local rates, insurance quotes, closing costs and lender fees may not be included.
Calculation data: ES-2026.08 · effective from 2026-03-20 · reviewed 2026-08-25.
Applies to: Existing and new-home illustrations using the selected autonomous community and buyer profile.
Formula: Monthly nominal-rate amortization; ITP for existing homes and IVA plus AJD for new homes.
Rounding: Calculations retain precision; displayed currency is rounded to whole euros.
Included: Principal, interest, optional extra payments and encoded regional property-tax estimate.
Excluded: Notary, registry, gestoría, lender fees and relief eligibility not represented by the inputs.
Official source: Spanish government property purchase taxes
Open official source ↗
Effective from 2026-03-20; reviewed 2026-08-25.
This calculator is educational only and is not a loan offer, tax opinion, legal advice or financial advice. Confirm the current rule with the lender, tax authority, notary or conveyancer before relying on it.
Methodology and local rules
Built to explain the assumptions.
Andalucía is selected for the transaction-tax context. The displayed loan uses the local currency and separates loan repayment from transaction costs. Country rules are versioned and should be checked against the lender and authority at the time of purchase.
Source: Spanish government property purchase taxes · Effective from 2026-03-20 · Reviewed 2026-08-25. This is an estimate; confirm the deed date, eligibility, lender terms and local authority before relying on it.
Read the full methodologyFAQ
What this estimate does and does not include.
Open a question for the full answer. The first answer is shown by default.
¿Es una oferta hipotecaria?
No. Es una estimación orientativa, no una oferta de préstamo ni asesoramiento fiscal, jurídico o financiero.
¿Qué incluye la cuota mensual?
El resultado principal incluye capital e intereses. Los impuestos de transmisión y otros gastos de compra se muestran por separado cuando están disponibles.
¿Por qué puede diferir la oferta del banco?
Los prestamistas pueden usar otras fechas de pago, comisiones, seguros, tipos y reglas de redondeo. Confirma siempre las cifras definitivas con tu entidad.
¿Cómo afectan los pagos adicionales?
Si el contrato los permite, pueden reducir antes el capital, los intereses posteriores y el plazo. Comprueba los límites y posibles comisiones.
¿Varían los impuestos locales?
Sí. Los impuestos, seguros y requisitos dependen de la comunidad autónoma y pueden cambiar después de nuestra fecha de revisión.
¿Se guardan los datos del cálculo?
Los cálculos se realizan en tu navegador. Un enlace compartido incluye en la URL los valores seleccionados.