Is it worth repaying early?
You have money set aside and are thinking of handing it to the bank. See how much you save in interest — with the fee already deducted — and whether it pays more to lower the instalment or shorten the term.
Paid to the bank
Early repayment fee
Up to 0.5% on a variable rate — the legal maximum
Leaves your account, in total
You finish paying sooner
Goes from 25 to about 21,9 years
Figures and tables for 2026. Indicative result — confirmed by the bank and by the State services at the time of the transaction.
Before repaying early, check whether you can get a better rate.
Negotiating the spread often saves more than handing the money to the bank — and the money stays with you. We look at both options.
To use this simulator you need to know
- The capital you still owe
- How many years are left
- The rate on your loan, and whether it is fixed or variable
- How much you plan to pay in
What this result includes — and what it does not
This result is indicative and is there to help you get your bearings. The final figures are confirmed by the bank and by the State services at the time of the transaction — and our credit adviser checks them with you, at no cost.
The early repayment fee has a legal maximum: up to 0.5% of the capital repaid on variable-rate loans and up to 2% on fixed-rate ones. The saving we show already deducts the maximum — your bank may charge less.
Shortening the term always saves more interest than lowering the instalment, because it removes months of interest instead of diluting them. Lowering the instalment eases the budget — they are different goals, and the simulator shows both.
Before repaying early, compare it with what that money would earn elsewhere and make sure you keep an emergency fund. Repaying early cannot be undone.
Frequently asked questions
These almost always come next
How much it costs to buy a home
IMT, Stamp Duty and the deed. The money nobody counts and that is missing at the end.
Open simulatorWhat will my monthly instalment be?
The monthly instalment, the total interest and what the term does to both.
Open simulatorYour debt-to-income ratio and how much you can borrow
The debt-to-income ratio, the instalment that fits and the house price it reaches.
Open simulator