Hipoteca Clara: Mortgage Calc

Thinking about getting a mortgage, or already paying one? Hipoteca Clara helps you understand exactly how much you'll pay, and how much you can save, with no fine print and no sign-up. WHAT YOU CAN CALCULATE - Monthly payment, total paid and interest for a fixed or variable rate mortgage (Euribor + spread) - Taxes (VAT on new builds, transfer tax on resale) and notary, agency and land registry fees - Own capital required: down payment + taxes + fees - Amortization table, month by month or year by year NEW: EARLY REPAYMENT - Enter your current mortgage and the lump sum you want to pay - See how much interest you save by lowering the payment or shortening the term - Early repayment fees are deducted, so the saving is real SHARE YOUR RESULT - Generate a card with your simulation and send it via WhatsApp, email or any app you like to your partner, family or advisor WHO IT'S FOR - Anyone house-hunting who wants to know what they can afford - Buyers comparing offers from several banks before signing - Anyone with a mortgage wondering whether overpaying is worth it NO FUSS - No sign-up or user account - No access to your personal data - Works offline - Available in 8 languages: Spanish, English, Catalan, Basque, Galician, Portuguese, French and German - Light and dark theme Results are for guidance only. Always consult your lender before making a financial decision.