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Bridge Loan
FR
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FR

Bridge Loan Calculator

Simulate your bridge loan in 2 minutes: amount granted, monthly payments, and total cost. Compare dry and backed loans.

How does a bridge loan work?

What is a bridge loan?

A bridge loan is a temporary credit that allows you to buy a new property before selling your current one. It's an ideal solution to not miss a real estate opportunity while avoiding selling in a hurry.

The two types of bridge loans

Dry Bridge Loan

Temporary loan where you only repay monthly interest. The principal will be repaid in full when you sell your current property. This formula minimizes your monthly payments during the transitional period (6 to 24 months).

Backed Bridge Loan

Combines a bridge loan with a new traditional mortgage. During phase 1 (active bridge loan), you pay the bridge interest + the new loan payments. After the sale (phase 2), you only pay the new loan.

The bank advance

Banks generally grant between 60% and 80% of the estimated value of your property to be sold (70% on average). The bridge loan amount is calculated as: (Property value × Advance percentage) - Remaining debt. The greater your equity, the stronger your application.

Duration and cost

The standard duration of a bridge loan is 12 to 24 months (18 months on average). Interest rates in 2026 are around 3.3% to 4.2% (average 3.6%), slightly higher than traditional loans as bridge loans present more risk to the bank.

Good to know

  • • Accurately estimate the value of your current property with several real estate agents
  • • Plan a safety margin if the sale takes longer than expected
  • • Compare offers from several banks to get the best rate
  • • Anticipate notary fees and guarantee costs for the new property
  • • The bridge loan is not counted in the 35% debt ratio calculation

Concrete example

Property to sell: €300,000 | New property: €450,000 | Remaining debt: €100,000 | Advance: 70%

  • • Bridge loan granted: €110,000 (300k × 70% - 100k)
  • • Bridge payments (interest): ~€348/month
  • • Total interest cost (18 months): ~€6,270
  • • New mortgage: €340,000 (if backed loan)

Frequently asked questions

1

What is a bridge loan in real estate?

A bridge loan is a temporary credit (12 to 24 months) that allows you to buy a new property before selling your current one. There are two types: DRY bridge loan (temporary loan only) and BACKED bridge loan (bridge loan + new mortgage combined).
2

What is the difference between a dry and backed bridge loan?

A DRY bridge loan is a temporary loan where you only pay monthly interest, with the principal repaid upon sale. A BACKED bridge loan combines this bridge loan with a new traditional mortgage. During the bridge loan period, you pay the bridge interest + the new loan payments.
3

What is the maximum amount you can borrow with a bridge loan?

Banks generally grant between 60% and 80% of the value of the property to be sold (70% on average). The bridge loan amount is calculated as: (Property value × Advance percentage) - Remaining debt. For example, for a property valued at €300,000 with €100,000 remaining debt and a 70% advance, the bridge loan will be €110,000.
4

What is the duration of a bridge loan?

The standard duration of a bridge loan is 12 to 24 months, with an average of 18 months. This duration corresponds to the estimated time to sell your current property. It is possible to extend it but this increases the total interest cost.
5

What are bridge loan interest rates in 2026?

In 2026, bridge loan rates are generally between 3.3% and 4.2%, with an average around 3.6%. These rates are slightly higher than traditional mortgages because bridge loans present more risk to the bank.
6

Can you get a bridge loan without a down payment?

It is possible to obtain a bridge loan without an additional personal contribution if the equity in your current property is sufficient (value - remaining debt). However, having a good equity ratio (minimum 10-20%) reassures the bank and facilitates obtaining the loan.

Related Tools

Continue your simulation with our other free calculators

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Notary Fees

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Amortization Schedule

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Warning: The simulations presented on this site are provided for informational purposes only and do not constitute investment advice, a credit offer, or a recommendation to buy or sell. The results displayed are estimates based on the data provided and do not guarantee future performance. Any real estate investment decision should be made after consulting qualified professionals (notary, financial advisor, accountant, tax lawyer). The publisher disclaims any responsibility for decisions made based on these simulations.
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Step 1/4Your situation
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Your situation
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Your project
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Financing
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Results
Step 1 of 4 —Your situation

Property to Sell

€

Estimate of your current property

€

Amount remaining on your current loan

%
50%70% (Mandate)80% (Agreement)

Percentage of property value granted by the bank (standard: 70% with sales mandate signed, 80% with sales agreement signed)