Loan Calculator
Calculate monthly payments, total interest, and see the full amortization breakdown for any loan amount.
Loan amount
Disclaimer: This calculator is provided for informational purposes only. Holded is not responsible for any inaccuracies, errors, or outdated data in the calculations. Results should not be considered financial or tax advice. Always consult a qualified professional for decisions based on these calculations.
Frequently asked questions about loans
We use the French amortization system (annuity method), the most common in Spain. Each monthly payment is fixed and includes both principal and interest, with the proportion shifting over time.
TIN (Nominal Interest Rate) is the base rate the bank charges. TAE (Annual Equivalent Rate) includes commissions and fees, giving a more complete picture of the loan cost.
Yes, early repayment reduces the outstanding principal and thus total interest. However, banks may charge an early repayment fee (max 0.5% in the first 5 years, 0.25% thereafter).
