The annual rate (TAN) is Euribor plus your contract spread. Euribor changes over time; the spread stays fixed. Check the current Euribor in the sources listed below.
| Amount financed | €150,000.00 |
| TAN (Euribor 2.5% + spread 1.0%) | 3.5% |
| Number of payments | 360 |
| Total paid (360 payments) | €242,484.13 |
| Of which interest | €92,484.13 |
Educational estimate, not financial advice. It computes the capital-and-interest payment (French system) at the rate you choose; it excludes mandatory insurance, commissions and stamp duty, and the TAEG is higher than the TAN. Because Euribor is variable, the real payment changes at each reset.
Mortgage Payment Calculator (Portugal) by Calculadora Capital