Prefab Home Loan Calculator
Estimate your monthly payments and see how different variables affect your loan costs
Loan Calculator
€200,000
€50k€1M
€40,000
10%50%
5.50%
3.5%10%
25 years
10 years30 years
Monthly Payment
€983
Loan Amount
€160,000
Total Interest Paid:€134,762
Total Amount Paid:€294,762
Estimated DTI Impact:19.7%
* This calculator provides estimates only. Actual rates and terms depend on credit profile, location, and manufacturer. DTI calculated assuming €5,000 gross monthly income.
Understanding Your Results
Monthly Payment
Your estimated principal + interest payment. Does not include property tax, insurance, or HOA fees.
Total Interest
The amount you'll pay in interest over the life of the loan. Lower rates and shorter terms reduce this.
DTI Impact
Estimated debt-to-income ratio impact. Lenders typically require DTI ≤ 43%.
💡 Pro Tips
- •Increase your down payment to lower monthly costs
- •Shorter terms = higher monthly payments but less total interest
- •Improve credit score to qualify for lower rates
- •Consider tokenized financing for flexible underwriting
✓ Next Steps
- 1.Review your estimated payment above
- 2.Check eligibility requirements
- 3.Submit pre-approval application
- 4.Get approval in 48 hours
4.5-8.5%
Current APR Range
10-30
Loan Term (Years)
€50k-1M
Loan Amounts