Which term suits you?
Short or long term? How your choice affects the payment and the total cost.
The term determines how high your monthly payment is and how much the loan costs in total. The right choice depends on your budget and your goals.
Short term
A short term means higher monthly payments but a lower total cost, because less interest accrues. Sensible if your budget can carry the higher payment over time.
Long term
A long term lowers the monthly payment and creates room in daily life – but raises the total cost. Sensible if predictability and a low payment come first.
Your starting point
Start from your monthly budget and try different terms in the calculator. That is how you find the balance between an affordable payment and a reasonable total cost.
Calculate your payment – no commitment
See in seconds how amount and term affect your monthly payment. The request stays non-binding until a contract is signed.