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Financial simulation

Free, simple and fast: carry out your home loan simulation with our credit simulator.


A financial credit simulation allows you to estimate the costs, monthly payments and term of a mortgage or other type of loan before making a final decision. Here are the general steps to carry out a financial credit simulation:

  • Collect the necessary information: To perform an accurate credit simulation, you will need the following information:
    • The loan amount you want to borrow.
    • The expected interest rate (fixed or variable).
    • The term of the loan (the number of years you plan to repay the loan).
    • Any costs, such as administrative or insurance fees.
    • Your personal contribution (the amount you plan to put down in cash as a down payment).
  • Review the results: Once you have run the simulation, review the results to understand the financial implications of the loan. You will be able to see the amount of each monthly payment, the total cost of the loan (including interest and fees), and how long it will take you to repay the loan.
  • Analyze your budget: Compare the estimated monthly payments with your current budget to make sure you can manage them without difficulty. Make sure the loan fits your long-term financial goals.
  • Comparing offerss: If you plan to apply for a loan from several financial institutions, run simulations for each offer to compare costs and conditions. This will help you choose the best option for your needs.
  • Consult a financial professional: If you have questions or want more personalized advice, consider consulting a financial advisor or loan advisor. They can help you understand the financial implications of your loan and make an informed decision.
  • Negotiation: Once you have a clear idea of the loan costs, you can negotiate with the lender to obtain more favorable terms, including a lower interest rate or reduced fees.


Remember that financial simulation is a crucial step in the loan application process because it allows you to make an informed decision based on your financial needs and your ability to repay the loan. Make sure you understand all aspects of the loan before committing.

Financial simulation
Your loan amount Loan amount
Your loan period Loan period
Interest rate before negotiation Interest rates
Loan amount
Loan period
Monthly payments

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