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Net Present Value calculator
Home Real Value Insights
Adjust apartment price, size, down payment, and loan terms to see monthly payments, upfront cash, and side-by-side down payment scenarios.
Apartment & loan inputs
Purchase fees & taxes
Average Approximation
Financing
Down payment24 000 kr
Loan amount96 000 kr
Total interest over term108 000 kr
Monthly Breakdown
Monthly Total3 880 kr
Fixed Costs3 200 kr
Interest per month360 kr
Monthly Amortization320 kr
Wasted Money
Agency fee2 400 kr
Transfer tax3 000 kr
Bank fee960 kr
Total purchase fees6 360 kr
Sell after 5 years
Total wasted money in 5 years219 960 kr
Sell to break even339 960 kr
Bank fee183 kr
Totals
Starting price120 000 kr
Size65 m²
Total cost (price + interest + fees)234 360 kr
Compare down payments
Select percentages to compare for the same apartment.
| Down payment | Down payment amount | Loan amount | Monthly payment | Cash at purchase | Total interest |
|---|---|---|---|---|---|
| 10% | 12 000 kr | 108 000 kr | 3 965,00 kr | 18 480 kr | 121 500 kr |
| 20% | 24 000 kr | 96 000 kr | 3 880,00 kr | 30 360 kr | 108 000 kr |
| 30% | 36 000 kr | 84 000 kr | 3 795,00 kr | 42 240 kr | 94 500 kr |
Monthly payments projection
Get a view into the 300 individual monthly payments
year 1 / 25
| Month number | Monthly Payment | Amortization | Interest | Fixed costs | Remaining balance |
|---|---|---|---|---|---|
| 1 | 3 880 kr | 320 kr | 360 kr | 3 200 kr | 95 680 kr |
| 2 | 3 879 kr | 320 kr | 359 kr | 3 200 kr | 95 360 kr |
| 3 | 3 878 kr | 320 kr | 358 kr | 3 200 kr | 95 040 kr |
| 4 | 3 876 kr | 320 kr | 356 kr | 3 200 kr | 94 720 kr |
| 5 | 3 875 kr | 320 kr | 355 kr | 3 200 kr | 94 400 kr |
| 6 | 3 874 kr | 320 kr | 354 kr | 3 200 kr | 94 080 kr |
| 7 | 3 873 kr | 320 kr | 353 kr | 3 200 kr | 93 760 kr |
| 8 | 3 872 kr | 320 kr | 352 kr | 3 200 kr | 93 440 kr |
| 9 | 3 870 kr | 320 kr | 350 kr | 3 200 kr | 93 120 kr |
| 10 | 3 869 kr | 320 kr | 349 kr | 3 200 kr | 92 800 kr |
| 11 | 3 868 kr | 320 kr | 348 kr | 3 200 kr | 92 480 kr |
| 12 | 3 867 kr | 320 kr | 347 kr | 3 200 kr | 92 160 kr |