What if you merged all your loans
Several loans, several instalments. See what you would pay per month if they were one — and what that costs in total, which is the part nobody shows.
Add up the outstanding capital on all your loans.
Add up every instalment.
You pay today, in total
Breathing space in the budget
And you still save, in total
Here the new rate offsets the term
Figures and tables for 2026. Indicative result — confirmed by the bank and by the State services at the time of the transaction.
To use this simulator you need to know
- How much you owe, in total, across all your loans
- How much you pay per month, adding up every instalment
- How many years are left, on average, on the loans you have today
- The term and the rate you expect on the new loan
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.
Consolidating lowers the instalment because it stretches the term — and a longer term means paying more interest in total. That is why we show both side by side: the monthly relief and the cost at the end. The decision is yours, and it should be taken with both numbers in front of you.
The total without changing is worked out from the instalment you pay today and the years remaining. Since the loans have different terms from one another, it is an approximation — good for deciding, not for signing.
The costs of the operation are not included: fees on the new loan and, if there are secured loans, the cost of settling them.
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