Linear Mortgage Calculator
Fixed principal repayment each month. Your payment decreases over time and you pay less total interest.
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Frequently asked questions
What is a linear mortgage?
With a linear mortgage, you repay the same fixed amount of principal every month. Because the outstanding balance shrinks faster, the interest portion decreases each month — meaning your total monthly payment goes down over time.
Is a linear mortgage cheaper than annuity?
Yes — you pay less total interest with a linear mortgage because you reduce the principal balance faster. However, the initial monthly payments are higher, which may affect affordability. Use our comparison tool to see the exact difference for your loan.
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