Euribor Loans

Pedro Gomes Serrano

About this app

The “Euribor Loans” app is a technical tool designed to provide accurate calculations, free from adverts and with complete privacy. Ideal for anyone looking to simulate instalments, analyse the impact of rising interest rates or plan early repayments.

KEY FEATURES:
[NEW] Support for Mixed-Rate Loans: Simulate your loan with an initial fixed-rate period, followed by a transition to a variable rate (Euribor + Spread).
Includes the complete database of average monthly Euribor rates (3, 6 and 12 months) dating back to January 1999.
Allows you to set up to 40 early repayments to see the actual savings on interest.
Ad-free, user-focused interface. No personal data is requested.
No internet connection is required to perform calculations or view your history.
Calculation of instalments with fixed or variable rates.
Simulation with an initial grace period (during which you pay interest only) or deferred capital repayment (payment at the end).
Detailed graphs showing the progression of capital and interest.
A complete repayment schedule that can be exported to a PDF file.
Changes to the spread during the term of the loan.
Expected future variation in the Euribor between -2% and +4%.
Compare two loans (total amount paid, total interest, maximum and minimum instalments, etc.).
Options for periods of negative Euribor rates.

The maximum limits are:
Principal: 100,000,000.
No. of instalments: 900.
Fixed annual rate or spread: 40%.
Grace period: No. of instalments * 30%.
Residual value: Principal * 50%.
Total charges: Principal * 90%.

NOTES:
The grace period is only available if the loan rate is positive.
Instalments following the month in which the latest Euribor rate is available are calculated at that rate or with an expected decrease/increase of between -2% and +4%.
There may be differences of a few cents in the simulations due to rounding.

What’s new

Updated Euribor rates.