Free calculator
Mortgage calculator
Estimate your monthly payment, the total cost of credit, insurance and notary fees. Adjust the price, down payment, rate and term to see the impact in real time.
Indicative simulation. Rates and terms to be confirmed with your bank.
Frequently asked questions about financing
How is a mortgage monthly payment calculated?
The monthly payment depends on the amount borrowed (price − down payment), the interest rate and the term. Our calculator applies the standard amortization formula and adds estimated borrower's insurance.
How much down payment should I plan for a property purchase?
A 10% down payment usually covers notary fees; 20% reassures banks and improves your rate. The calculator lets you test 10%, 15%, 20% or 30%.
Are notary fees included?
Yes, the calculator estimates notary fees (≈ 8% for existing properties) in the total project cost. For new builds they are reduced (2-3%).
Can I benefit from the PTZ (zero-rate loan)?
The PTZ helps first-time buyers, subject to income and zone conditions. On LivenBuy, PTZ eligibility is detected automatically on eligible properties.
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