Forgetting to include property taxes and insurance in total monthly housing costs

Using the home price instead of the loan principal (after down payment) in calculations

Calculadora de Hipoteca

Last updated: 2026-08-24

Calculadora de Hipoteca — Calcula la cuota mensual, intereses totales y coste total de tu hipoteca.

Inputs

Result

Enter values and press Calculate

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How to use it

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Common mistakes

⚠️ Forgetting to include property taxes and insurance in total monthly housing costs
⚠️ Using the home price instead of the loan principal (after down payment) in calculations
⚠️ Not accounting for the total interest paid over the entire loan term

Worked example

Calculating monthly mortgage payment for a €285,000 home with 18% down payment over 28 years at 3.25% interest.

The cuota_mensual of {cuota_mensual} represents your monthly mortgage payment including principal and interest. Total interest paid over the loan life will be {total_intereses}.

Input guide

Field	Typical range
precio_vivienda	€50,000 - €2,000,000 typical home prices
plazo_anos	15-35 years typical loan terms
entrada_pct	10-40% down payment, 20% recommended
interes_anual_pct	2-6% current mortgage rates