How is the monthly repayment calculated?

It uses the standard amortising loan formula M = P·r(1+r)^n / ((1+r)^n − 1), where P is the loan, r is the monthly rate, and n is the number of months. Each payment is fixed, with the interest portion shrinking and the principal portion growing over time.

What APR is typical for a Dutch personal loan?

Persoonlijke leningen in the Netherlands usually carry an APR between about 4% and 12% depending on the amount, term and your credit profile. The rate is fixed for the term, so your monthly payment does not change.

What is the BKR check?

Every regulated Dutch lender must check the Bureau Krediet Registratie (BKR), which records your existing credit. It affects whether you are approved and the rate offered, but it does not change the repayment maths once a rate is set.

What is the difference from a doorlopend krediet?

A persoonlijke lening is a fixed-amount, fixed-rate, fixed-term loan that fully amortises — this calculator models exactly that. A doorlopend krediet is a revolving line with a variable rate, so its repayments are not fixed in the same way.

Are these figures financial advice?

No. This is a repayment estimate based on the figures you enter. Actual offers depend on the lender, your BKR record and any fees. Treat it as a starting point, not advice.

Netherlands Personal Loan Calculator

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A Netherlands personal loan calculator that shows the fixed monthly repayment, total interest and full amortisation schedule for a persoonlijke lening — the standard Dutch fixed-amount, fixed-rate consumer loan, regulated by the AFM and subject to a mandatory BKR credit check.

How it works

The repayment uses the standard amortising-loan formula:

M = P · r · (1 + r)^n / ((1 + r)^n − 1)

where P is the loan, r is the monthly rate (APR / 12), and n is the number of months. Each fixed payment splits into interest on the outstanding balance plus principal; as the balance falls, more of each payment goes to principal:

interest_month  = balance · r
principal_month = M − interest_month
balance         = balance − principal_month

Example and notes

Borrow 15,000 EUR at 7% APR over 5 years. The monthly repayment is about 297 EUR, total interest roughly 2,820 EUR, and the schedule shows the balance reaching zero in the final month.

The typical Dutch range is 4–12% APR. All figures are computed locally in your browser and are not financial advice.