Hipoteca clara

Calculate your mortgage instantly: monthly payment, total interest, amortization table and purchase costs. No sign-up. Works offline.

Thinking about getting a mortgage? Hipoteca Clara helps you understand exactly how much you'll pay — no fine print, no sign-up required.

Enter the property price, loan term and interest rate, and within seconds you'll see your monthly payment, total interest paid and a full breakdown of all associated costs.

WHAT YOU CAN CALCULATE

• Fixed or variable rate mortgage (with Euribor + spread) • Monthly payment and total amount paid to the bank • Property tax (VAT for new builds · Transfer tax for resale) • Notary, agency and land registry fees • Own capital required (down payment + taxes + fees) • Full amortization table, month by month or year by year

WHO IT'S FOR

• First-time buyers who want to know if they can afford a property • Buyers who want to compare different scenarios before signing • Anyone who wants to understand their current mortgage

NO FUSS

• No sign-up or user account needed • 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.