Down Payment Calculator
The deposit and the loan amount from a price and a down-payment percentage.
Result
Down payment amount
6,000,000
Loan amount
24,000,000
How it works
The down payment is the share of a property's price you pay from your own money; the rest becomes the loan. Multiply the price by your percentage and both figures follow: on a 200,000 property, a 20% down payment is 40,000 and the loan 160,000. A bigger down payment works on three fronts at once. It shrinks the borrowed capital, so total interest drops sharply; it improves your loan-to-value ratio, which unlocks better rates; and in many countries it lets you avoid mortgage insurance, required below a certain threshold. Budget beyond the down payment itself. Acquisition costs — transfer taxes, notary or closing fees — typically add several percent of the price and are rarely financed by the lender. Emptying your savings entirely to maximise the down payment is a classic mistake: keep an emergency cushion for the moving-in surprises.
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Frequently asked questions
How much down payment is typical?
Often 10–20% of the price, but it depends on the lender and the country.
Why pay a larger deposit?
It reduces the loan, the interest paid and often gets you a better rate.
What down payment do lenders usually expect?
Commonly 10–20% of the price, plus acquisition costs on top. Below roughly 20%, many lenders charge mortgage insurance or a higher rate; the exact thresholds vary by country and bank.
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