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Mortgage repayment calculator

See what a home loan would cost each month. Enter the price, your deposit, the interest rate offered by the bank and the term in years.

Your details

Monthly repayment
–
  • Loan amount–
  • Deposit–
  • Loan-to-value–
  • Total interest–
  • Total repaid–

Banks in Cyprus usually lend up to 70–80% of the value for a main home and less for other property. Rates and terms vary by bank.

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Estimate only, not tax or legal advice. Rates checked 14 November 2026.

How the repayment is calculated

The calculator uses a standard repayment (annuity) loan: the same monthly instalment covers interest and capital, so the loan is fully repaid at the end of the term.

Remember to budget for the buying costs too – VAT or transfer fees, legal fees and the bank's own fees – which usually cannot be added to the loan.

Frequently asked questions

How much deposit do I need to buy in Cyprus?

Banks usually lend up to about 70–80% of the value for a main residence, so plan for a deposit of 20–30% plus the buying costs. Non-residents and investment property often need a larger deposit.

Can non-residents get a mortgage in Cyprus?

Yes, several Cypriot banks lend to non-residents, usually with a lower loan-to-value and proof of income. Terms vary by bank.

Are interest rates in Cyprus fixed or variable?

Both exist. Many loans are variable, linked to Euribor or the bank's base rate, and some banks offer fixed periods. Ask the bank for the annual percentage rate including fees.