Calculadora de Hipoteca - Estima tus Pagos Mensuales
| Monthly | Total | |
|---|---|---|
| Pago hipotecario | 2022,62 € | 728.140,63 € |
| Impuesto a la propiedad | 400,00 € | 144.000,00 € |
| Seguro del hogar | 125,00 € | 45.000,00 € |
| Otros costos | 333,33 € | 120.000,00 € |
| Costo total de bolsillo | 2880,95 € | 1.037.140,63 € |
| Precio de la casa | 400.000,00 € |
| Monto del préstamo | 320.000,00 € |
| Pago inicial | 80.000,00 € |
| Total de pagos hipotecarios de 360 | 728.140,63 € |
| Interés total | 408.140,61 € |
| Fecha de finalización de la hipoteca | Sep 2055 |
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What Is a Mortgage Calculator?
A mortgage calculator helps you estimate your monthly mortgage payment, total interest paid, and remaining balance over time. It’s a powerful tool for homebuyers and homeowners to evaluate loan options and affordability.
Why Use a Mortgage Calculator?
- Understand your monthly payment breakdown
- Compare fixed vs. adjustable-rate loans
- Factor in taxes, insurance, and HOA fees
- Plan for early payoff or refinancing scenarios
How Does a Mortgage Work?
A mortgage is a type of loan used to purchase a home. You borrow a lump sum and repay it over time — typically 15 or 30 years. Each monthly payment includes:
- Principal: The amount borrowed
- Interest: The cost of borrowing
- Taxes & Insurance: Optional, but often escrowed
How Is Your Mortgage Payment Calculated?
- Loan amount (home price - down payment)
- Interest rate
- Loan term (e.g., 15 or 30 years)
- Property tax and insurance (optional)
- Private mortgage insurance (PMI), if applicable
Types of Mortgage Loans
- Fixed-rate: Same interest rate throughout the loan
- Adjustable-rate (ARM): Interest rate may change over time
- FHA / VA: Government-backed for specific eligibility
- Interest-only: Pay only interest for an initial period
Mortgage Calculator Pros and Cons
| Pros | Cons |
|---|---|
| Easy to use and free | Doesn’t include all lender-specific fees |
| Helps compare multiple loans | Estimates only — not a quote |
| Visual charts aid planning | PMI/tax estimates may vary |
Alternatives to Traditional Mortgages
- Cash-out refinance: Tap home equity for cash
- Home equity loan: Fixed loan using equity
- HELOC: Revolving line of credit backed by your home
Frequently Asked Questions
Use our affordability calculator to estimate how much house you can buy based on your income and expenses.
A 15-year mortgage saves on interest but has higher monthly payments. It depends on your budget.
Yes, though some lenders may charge a prepayment penalty — check your loan terms.
Private Mortgage Insurance (PMI) is required if your down payment is under 20%.