DocomintCalculatrice de Prêt Immobilier
Calculez la mensualité d'un prêt immobilier et consultez un tableau d'amortissement année par année.
What is a Calculatrice de Prêt Immobilier?
Beyond just the monthly payment, this breaks down the first year of payments into their principal and interest portions — early in a mortgage, most of each payment goes toward interest, not principal, which surprises a lot of first-time buyers looking at their amortization schedule for the first time.
How to use the Calculatrice de Prêt Immobilier
- Enter the home price, down payment, annual interest rate, and loan term
- Press Calculate
- The monthly payment, total interest, and a first-year amortization schedule appear instantly, on your device
Formula
Payment = (HomePrice − DownPayment) × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), r = annual rate ÷ 12 ÷ 100, n = term years × 12
The same amortization math as EMI/Loan Calculator, applied to the financed amount (home price minus down payment) rather than the full home price.
Example
A $350,000 home with a $70,000 down payment (financing $280,000) at 6.5% over 30 years costs $1,769.79/month — in month 1, only $754.79 of that goes toward principal, with the remaining $1,015 going to interest, a split that gradually reverses over the life of the loan.
Common mistakes
- Forgetting this calculates principal and interest only — a real monthly mortgage payment usually also bundles property tax, homeowners insurance, PMI, and sometimes HOA fees.
- Entering the full home price into a field meant for the financed amount, rather than subtracting the down payment first (this tool does that subtraction for you from the two separate fields).
- Assuming the principal/interest split within the payment stays constant across the loan — it shifts every month, mostly interest early on.
Frequently asked questions
Why does so little of my early mortgage payment go to principal?
Interest is calculated on the outstanding balance each month, and early in the loan that balance is at its highest — so the interest portion of the payment is largest right away and shrinks gradually as the balance (and therefore the interest charged on it) goes down over the loan's life.
Does this include property tax and homeowners insurance?
No — this calculates principal and interest only (the "P&I" portion of a mortgage payment), not property tax, homeowners insurance, PMI, or HOA fees, which most lenders add into an actual monthly escrow payment.
What's PITI, and does this calculate it?
PITI stands for Principal, Interest, Taxes, and Insurance — the full components of a typical monthly mortgage payment. This calculator computes P&I only; add your local property tax and insurance estimates on top for a realistic total.
How does a bigger down payment change the payment?
It directly lowers the financed amount, which lowers both the monthly payment and the total interest paid over the loan — try two down payment amounts side by side to see the trade-off against cash saved upfront.
Is my numbers uploaded anywhere?
No — Calculatrice de Prêt Immobilier runs entirely in your browser using JavaScript/WebAssembly. Your numbers is never sent to a server.