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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 payment410 000 kr
Loan amount3 690 000 kr
Total interest over term5 719 500 kr
Fully repaid after 50 years
Monthly Breakdown
Monthly Total18 883 kr
Fixed Costs3 200 kr
Interest per month9 533 kr
Investment vs. Wasted money
Monthly Amortization (investment)6 150 kr
Wasted money per monthThese are ongoingcosts that you will not get back when you sell, like monthly interest and fixed costs12 733 kr
Transaction fees
Agency fee0 kr
Transfer tax0 kr
Bank fee0 kr
Total purchase fees0 kr
Sell after 5 years
Total wasted money in 5 years763 950 kr
Sell to break even4 863 950 kr
Annual appreciation to break even3.73%
Totals
Starting price4 100 000 kr
Size40 m²
Total cost by end of loan term9 819 500 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% | 410 000 kr | 3 690 000 kr | 18 882,50 kr | 410 000 kr | 5 719 500 kr |
| 20% | 820 000 kr | 3 280 000 kr | 17 140,00 kr | 820 000 kr | 5 084 000 kr |
| 30% | 1 230 000 kr | 2 870 000 kr | 15 397,50 kr | 1 230 000 kr | 4 448 500 kr |
Monthly payments projection
Get a view into the 600 individual monthly payments
year 1 / 50
| Month number | Monthly Payment | Amortization | Interest | Fixed costs | Remaining balance |
|---|---|---|---|---|---|
| 1 | 18 883 kr | 6 150 kr | 9 533 kr | 3 200 kr | 3 683 850 kr |
| 2 | 18 867 kr | 6 150 kr | 9 517 kr | 3 200 kr | 3 677 700 kr |
| 3 | 18 851 kr | 6 150 kr | 9 501 kr | 3 200 kr | 3 671 550 kr |
| 4 | 18 835 kr | 6 150 kr | 9 485 kr | 3 200 kr | 3 665 400 kr |
| 5 | 18 819 kr | 6 150 kr | 9 469 kr | 3 200 kr | 3 659 250 kr |
| 6 | 18 803 kr | 6 150 kr | 9 453 kr | 3 200 kr | 3 653 100 kr |
| 7 | 18 787 kr | 6 150 kr | 9 437 kr | 3 200 kr | 3 646 950 kr |
| 8 | 18 771 kr | 6 150 kr | 9 421 kr | 3 200 kr | 3 640 800 kr |
| 9 | 18 755 kr | 6 150 kr | 9 405 kr | 3 200 kr | 3 634 650 kr |
| 10 | 18 740 kr | 6 150 kr | 9 390 kr | 3 200 kr | 3 628 500 kr |
| 11 | 18 724 kr | 6 150 kr | 9 374 kr | 3 200 kr | 3 622 350 kr |
| 12 | 18 708 kr | 6 150 kr | 9 358 kr | 3 200 kr | 3 616 200 kr |