Slovenia mortgage calculator 2026
A €160,000 mortgage in Slovenia over 30 years at 3.15% works out to a monthly payment of €687.58, with €87,528.16 paid in total interest. Enter the loan amount, interest rate and term to see the monthly payment under the Slovenian mortgage market.
Not sure how much the bank will lend you? Mortgage affordability – Slovenia
Monthly payment: €648.70
Total paid: €233,532.28 · Total interest: €83,532.28
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | €4,755.85 | €3,028.55 | €146,971.45 |
| 2 | €4,657.47 | €3,126.93 | €143,844.52 |
| 3 | €4,555.96 | €3,228.44 | €140,616.08 |
| 4 | €4,451.12 | €3,333.28 | €137,282.80 |
| 5 | €4,342.87 | €3,441.53 | €133,841.27 |
| 6 | €4,231.11 | €3,553.29 | €130,287.98 |
| 7 | €4,115.73 | €3,668.67 | €126,619.31 |
| 8 | €3,996.58 | €3,787.82 | €122,831.49 |
| 9 | €3,873.58 | €3,910.82 | €118,920.67 |
| 10 | €3,746.57 | €4,037.83 | €114,882.84 |
| … | |||
| 30 | €133.27 | €7,651.41 | €0.00 |
Bank rate comparison — Market average: 3.20 % (2026-07)
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 | €345.97 |
| €120,000.00 | €518.96 |
| €160,000.00 | €691.95 |
| €200,000.00 | €864.93 |
| €260,000.00 | €1,124.41 |
| €350,000.00 | €1,513.63 |
Frequently asked questions
What is the monthly payment on a €120,000 mortgage in Slovenia over 30 years?
At a rate of 3.15% over 30 years, the monthly payment is €515.68.
What is the monthly payment on a €200,000 mortgage in Slovenia over 30 years?
At a rate of 3.15% over 30 years, the monthly payment is €859.47.
What is the monthly payment on a €260,000 mortgage in Slovenia over 30 years?
At a rate of 3.15% over 30 years, the monthly payment is €1,117.32.
How much total interest do I pay on a €160,000 mortgage in Slovenia?
On a €160,000 mortgage over 30 years at 3.15%, you'll pay €87,528.16 in total interest.
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