How is a home loan repayment calculated in Malta?

Monthly repayment is calculated from the loan amount, interest rate and term using standard amortisation, the same method Maltese banks use — this calculator produces the full schedule so you can see how much of each payment goes to interest versus principal over time.

What affects my Malta home loan interest rate?

Individual bank pricing depends on factors such as loan-to-value ratio, term, and the applicant's risk profile, which vary by lender. This calculator lets you enter any rate you want to test, rather than being tied to one bank's published rate.

Can I use this calculator to compare Malta banks' mortgage offers?

Yes — because it isn't tied to any single lender's product terms, you can enter the rate and term quoted by different banks and compare the resulting monthly repayment and total interest cost side by side.

Home Loan Calculator

A neutral home-loan repayment calculator with a full amortisation schedule, not tied to any single Maltese bank's product terms or rate.

Loan / mortgage amount

Annual interest rate

Mortgage term

years

Your recognised monthly income

Monthly mortgage payment

€1,535

Income remaining after mortgage payment€3,465

Total interest over term€210,566

Total cost of mortgage€460,566

Home Loan Repayment and Amortisation in Malta

A home loan's monthly repayment and total interest cost depend on the loan amount, interest rate and term you enter — this calculator produces a full amortisation schedule from those three inputs, independent of any single Maltese bank's own product terms or advertised rate, so you can compare scenarios on a neutral basis before approaching a lender.

How to use this calculator

Enter the loan amount, interest rate and term
The calculator produces the monthly repayment and a full amortisation schedule
Adjust the term or rate to see how the total interest cost changes