The TAN is the interest rate; the upfront fees (arrangement, valuation, dossier) and the monthly charges (life and home insurance, servicing commission) are what separate the TAEG from the TAN. Use rough figures if you don't yet have the bank's offer.
| Loan amount | €150,000 |
| Monthly instalment (capital + interest) | €656.93 |
| Monthly charges | €30.00 |
| Upfront commissions & fees | €1,000 |
| MTIC (total to pay) | €248,296 |
| TAEG | 3.78% |
Educational estimate, not financial advice. It models a single drawdown, one upfront fee and constant monthly charges; the bank's official TAEG may include other charges (stamp duty, deed costs, variable premiums). Always confirm the TAEG and MTIC on the credit's standardised information sheet (FINE).