Mortgage calculator
The calculator works out equal monthly payments for the whole term. eOselya mode applies the state programme's fixed rate: 3% for military personnel, medics and teachers, 7% for everyone else, with at least 20% down. For a market mortgage, untick the box and enter the rate from your bank's offer.
Mortgage calculator
Loan amount
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Monthly
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Overpayment
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Total cost
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eOselya — minimum 20% down payment, fixed rate (3% for priority categories, 7% standard). Without eOselya, enter the market rate from your bank's offer.
What it covers
- the down payment
- the fixed eOselya rate or a market rate
- total interest and full cost
What it leaves out
- mandatory property and life insurance
- valuation and notary fees
- eOselya eligibility for your category
Rates in this calculator were checked on 5 October 2026 · all rates and sources