Ektima Tools
Mortgage Calculator
Compare monthly payments across three Cyprus banks, see the total interest you'd pay, and check the loan-to-value range typically available for your situation. Rates below are editable — confirm exact terms with each bank before relying on them.
Loan amount & LTV
80% loan-to-valueCyprus resident — primary residence
Typical max LTV in this category: 80% — this is a general market range, not a guarantee from any specific bank.
Up to 80% loan-to-value is typical for a first/primary home for residents. Monthly repayments (all debts combined) are usually expected to stay under 35–40% of verified gross income.
Compare three banks
Amortization schedule — Bank of Cyprus
Yearly breakdown, 25-year term.
| Year | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| 1 | €6,166 | €8,159 | €233,834 |
| 2 | €6,382 | €7,944 | €227,452 |
| 3 | €6,605 | €7,721 | €220,848 |
| 4 | €6,835 | €7,490 | €214,012 |
| 5 | €7,074 | €7,251 | €206,938 |
| 6 | €7,321 | €7,004 | €199,617 |
| 7 | €7,577 | €6,748 | €192,039 |
| 8 | €7,842 | €6,483 | €184,197 |
| 9 | €8,116 | €6,209 | €176,081 |
| 10 | €8,400 | €5,926 | €167,681 |
| 11 | €8,693 | €5,632 | €158,988 |
| 12 | €8,997 | €5,328 | €149,990 |
| 13 | €9,312 | €5,014 | €140,679 |
| 14 | €9,637 | €4,688 | €131,041 |
| 15 | €9,974 | €4,352 | €121,068 |
| 16 | €10,322 | €4,003 | €110,745 |
| 17 | €10,683 | €3,642 | €100,062 |
| 18 | €11,057 | €3,269 | €89,005 |
| 19 | €11,443 | €2,882 | €77,562 |
| 20 | €11,843 | €2,483 | €65,720 |
| 21 | €12,257 | €2,069 | €53,463 |
| 22 | €12,685 | €1,640 | €40,778 |
| 23 | €13,128 | €1,197 | €27,649 |
| 24 | €13,587 | €738 | €14,062 |
| 25 | €14,062 | €263 | €0 |
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Talk to us about financingBank rates shown are editable starting points based on May 2026 Cyprus mortgage market reporting and change monthly — always confirm current rates directly with each bank. LTV ranges reflect general Cyprus lending practice, not a specific bank's policy or a guarantee of approval. This tool is for orientation only, not financial advice.