Before you make an offer, you want to know whether it makes financial sense. Simulate your mortgage in a few steps and see your monthly payment, equity needs and total costs instantly.
Most buyers start with an asking price and wonder: can I afford this? A simulation flips the question and lets you start from your income, savings and desired term.
That way you know upfront which budget is realistic - before you start searching or bidding.
Your monthly payment depends on the borrowed amount, interest rate, term and repayment type. Additionally, the extra costs (registration duty, notary) affect how much own funds you need.
The simulation takes all those factors into account and shows the result in one overview.
Want to know if a specific property fits your budget? Combine the simulation with a value estimate. That way you can compare your borrowing capacity with the market value.
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No. This is a simulation for orientation. For a binding offer your bank needs to assess your full file.
Yes. The mortgage calculator includes registration duty and notary fees by default, so you can see how much own contribution you need.
Yes. You can compare different terms and immediately see the difference in monthly payment.
The tool is primarily designed for purchase scenarios, but you can also use it for a first impression of a refinancing scenario.
Pandwijzer is a simulation tool, not a lender. Use this for initial orientation - for final conditions contact your bank or credit adviser.