Euribor impact calculator
See how much your loan monthly payment changes when Euribor rises or falls.
Most Estonian home loans are tied to the 6-month Euribor: interest = Euribor + the bank margin. When Euribor changes, the bank recalculates the annuity schedule with the new rate and the monthly payment changes. This tool shows the difference between the current and a new Euribor.
How is it calculated?
The monthly payment is found with the annuity formula from the balance, remaining term and total interest (Euribor + margin). The real payment is rounded in the bank schedule; the result is approximate. For a full schedule use the home loan calculator.
Sources
Based on official sources · last reviewed 2026-07-17.