Mortgage Refinance Calculator

No, the profitability of refinancing depends on several factors: the rate difference (minimum 0.7%), the remaining principal, the remaining term, and the refinancing fees (IRA + processing fees). Our calculator helps you accurately evaluate profitability.

The payback period varies case by case, but it generally ranges between 18 and 48 months. Beyond 36 months, profitability becomes more uncertain.

Yes, there is no legal minimum period to refinance a mortgage. However, banks often apply higher IRAs during the first years.

No, you can first try an internal renegotiation with your current bank, which avoids guarantee fees and reduces processing fees.

IRAs depend on your initial loan contract. They are capped by law at 3% of the remaining principal or 6 months of interest (whichever is lower).

Yes, consolidating multiple mortgages is possible and can be interesting to simplify management and reduce the overall monthly payment.

During an external buyout, you must take out new borrower insurance. This is an opportunity to shop around and make additional savings.

If your bank refuses an internal renegotiation, you can have your loan bought out by a competing bank. Use a mortgage broker to compare offers.

The Lemoine Law (2022) allows you to switch your borrower insurance at any time, free of charge and without waiting for your contract anniversary date. During a refinance, this is the ideal opportunity to compare insurers — insurance delegation can reduce costs by 30 to 50%. Additionally, for loans under €200,000 repaid before age 60, no medical questionnaire is required.

Yes, the law provides three exemption cases for early repayment penalties: dismissal (of the borrower or spouse), mandatory job relocation, and death of the borrower or spouse (article L313-48 of the Consumer Code). Additionally, some loan contracts include a penalty waiver clause negotiated at origination. Check your original loan offer.

The High Council for Financial Stability (HCSF) has imposed two binding limits since 2022: a maximum debt-to-income ratio of 35% (including borrower insurance) and a maximum loan duration of 25 years (27 years for off-plan purchases - VEFA). Banks have a 20% flexibility margin to deviate from these rules.