Mortgage Calculator
Calculate monthly payment and total interest for your mortgage
Monthly payment
9,449
Loan amount
1,700,000
Total Interest
1,134,746
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Mortgage Calculator: Monthly Cost on the Borrowed Amount
Model the bank loan part of a home purchase. Enter Property price, Down payment (%), Interest rate (% per year), and Years. The tool subtracts your down payment from the price to get the loan amount, then calculates Monthly payment and Total interest over the term. It does not add housing association fees, insurance, property tax, or mandatory amortization. Those stay outside this page.
How to use
Down payment is a percent of the purchase price (15 means 15%). Loan amount equals price minus down payment. The monthly figure uses the same level-payment loan math as a standard consumer loan on that borrowed sum. Swedish buyers often need at least 15% cash down by regulation, but the calculator only does arithmetic. It does not check eligibility.
Example
A home priced at 2,000,000 with 15% down leaves a loan of 1,700,000. At 4.5% interest over 25 years, expect a monthly payment around 9,450 and total interest around 1,135,000 over the life of the loan. Your true housing bill rises once you add required amortization, monthly BRF fees, and maintenance.
Tips
Interest rate tax relief (ränteavdrag) can lower net cost in Sweden but is not calculated here. Banks stress-test higher rates. Try adding one or two percentage points in the interest field. Compare with the standalone loan calculator using the same loan amount and term.