Slovenia mortgage calculator 2026
Enter the loan amount, interest rate and term to see the monthly payment under the Slovenian mortgage market.
Monthly payment: €637.27
Total paid: €229,417.44 · Total interest: €79,417.44
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | €4,546.77 | €3,100.47 | €146,899.53 |
| 2 | €4,450.53 | €3,196.71 | €143,702.82 |
| 3 | €4,351.34 | €3,295.90 | €140,406.92 |
| 4 | €4,249.06 | €3,398.18 | €137,008.74 |
| 5 | €4,143.59 | €3,503.65 | €133,505.09 |
| 6 | €4,034.87 | €3,612.37 | €129,892.72 |
| 7 | €3,922.76 | €3,724.48 | €126,168.24 |
| 8 | €3,807.18 | €3,840.06 | €122,328.18 |
| 9 | €3,688.04 | €3,959.20 | €118,368.98 |
| 10 | €3,565.17 | €4,082.07 | €114,286.91 |
| … | |||
| 30 | €125.26 | €7,522.22 | €0.00 |
Bank rate comparison — Market average: 3.06 % (2026-05)
This calculation is indicative only. The market average is a snapshot as of the date shown. It does not replace a binding bank offer.
How a Slovenian mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the fixed-rate period, only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
Slovenian banks don't publish a uniform rate table — the calculator therefore shows only the market average.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| €80,000.00 | €339.88 |
| €120,000.00 | €509.82 |
| €160,000.00 | €679.75 |
| €200,000.00 | €849.69 |
| €260,000.00 | €1,104.60 |
| €350,000.00 | €1,486.96 |
Frequently asked questions
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is total interest?
The difference between the sum of all payments and the original loan amount.
Why doesn't the calculator compare specific banks?
Slovenian banks don't have a public rate table — the rate is set individually based on creditworthiness.
How much can I borrow on my income?
That's answered by the separate mortgage affordability calculator, applying the binding 50% DSTI limit and the Bank of Slovenia's minimum-leftover rule.
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Last updated: 18 July 2026