Mortgage calculator

Enter the price, down payment and rate — we work out the monthly payment, loan amount, total interest and the income a bank is likely to ask for.

Loan Flat price, € Down payment, % Interest rate a year, % Term, years

Default rate = 6M Euribor 2,92 % (September 2026) + the average margin on new mortgages, 1,5 % (Eesti Pank). Your offer depends on the bank and on you.

Monthly payment: —
Loan amount: —
Down payment: —
Total interest: —
Net income needed: —

Annuity loan. Income needed — the Eesti Pank stress test: the payment at the contract rate, but at least 6 %, may not exceed 50 % of net income; the loan is up to 85 % of the price and up to 30 years. Euribor changes — and the payment changes with it.

Mortgage refinancing →

What the purchase costs

Cash needed up front (down payment + costs): —
Notary incl. VAT: —
Land register state fee: —

Per the Notary Fees Act and the State Fees Act: sale and mortgage in one notarial deed (as in the notar.ee calculator), VAT 24 %. The bank's contract fee and the valuation report come on top and depend on the bank.

Income tax when you sell

Sale price, € Purchase price, € Documented costs, €

This is my home: I lived there until the sale and have not sold a home tax-free in the last two years

Gain: —
Income tax 22 %: —

Per the Income Tax Act: gain = sale price − purchase price − documented costs (purchase, improvements, sale). Selling your own home is tax-free if you lived there until the sale and have not used this exemption in the last 2 years; renting it out before the sale removes the exemption. A tax-free sale need not be declared. Details — emta.ee.