Hyppo offers thirteen free simulators: amortisation schedule, monthly payments, debt-to-income ratio, mortgage-backed equity release loan, liquidity available from a property, mortgage fees, lifetime mortgage, income top-up, value of bare ownership, inheritance tax, capital gains on property, interest-only loan and savings. Each result is indicative: the formula and assumptions are shown below the simulator. An adviser can then review your situation and look for the right financing.
No sign-up. Indicative simulation, not a loan offer.
Monthly payment, total cost and share of budget: the calculations to make before any financing request.
The monthly payment, the interest and capital split, the outstanding capital month by month and the total cost of the loan, with the schedule sent as a PDF on request.
The monthly payment of an amortising or interest-only loan, and the full monthly budget including housing costs.
The debt-to-income ratio and disposable income, against the 35% cap applied by banks.
What a property lets you borrow, without selling it.
The cash a property can secure, the monthly payment and cost of the loan as amortising or interest-only, the share of the property committed, the debt-to-income ratio and the points the bank will look at.
The amount available on a property based on its value and the capital still to be repaid.
The fees of a contractual mortgage item by item: notary fees, land registration tax, property security contribution, and the cost of a release, with legal references.
Two calculations: the amount of a lifetime mortgage, where you remain the owner, with the debt rolled up year by year and what is left for your heirs; or the lump sum (bouquet) and annuity of a viager sale, occupied or vacant.
The additional income obtained by investing a property-secured loan, with the risks of the structure shown.
The monthly interest of an interest-only loan, its cost compared with an amortising loan and the savings to build up to repay the capital.
What a sale, a sale of bare ownership or an inheritance costs, and what financing changes.
The tax the notary will deduct on the sale of a property other than your main residence: allowances by holding period, income tax, social charges, the surcharge above €50,000, and what it would become if you sold later.
The tax value of bare ownership and usufruct according to the scale in article 669 of the French General Tax Code, lifetime or fixed-term, and the gap with a proposed price.
Each heir's tax according to the current scale and allowances, including spouse, children and gifts, then payment in instalments.
Project your savings before deciding whether to borrow or invest.
How savings grow under three return scenarios, including contributions.
The formulas are public: each page shows its calculation and assumptions below the result. The default values (rate, term, return) are editable examples, not Hyppo's or a lender's terms.
Each simulator also states what it does not take into account: insurance, guarantee and arrangement fees, taxation, depending on the tool. The calculation shown on the page is redone identically on the server when you ask for the result to be sent as a PDF, and it is checked by automated tests on reference cases.
For a fixed-rate property loan, the loan offer includes an amortisation schedule (article L313-25 of the French Consumer Code): the simulator gives an indicative version before you take any steps.
A simulation gives an order of magnitude. For actual financing, Hyppo reviews your situation (assets, income, project) and consults suitable lenders: banks, specialist lenders, debt funds. Hyppo is a broker registered with ORIAS under no. 23005573: who we are.
A loan is a commitment and must be repaid. Check that you can afford the repayments before committing.
No payment of any kind may be required from an individual before one or more loans are obtained.
Yes. Your email address is requested only if you want to receive the simulation as a PDF; being contacted by an adviser is subject to separate consent.
No. The result is indicative. Only the offer issued by the lender, after reviewing the file, is binding on an amount, rate and term.
For a loan with constant monthly payments, the payment is M = C × t ÷ (1 − (1 + t)−n), where C is the capital borrowed, t the monthly rate (annual rate divided by 12) and n the number of monthly payments. The amortisation schedule simulator does this calculation and details each payment.
For a fixed-rate property loan, the lender provides it with the loan offer (article L313-25 of the French Consumer Code). Before that, the simulator gives an indicative version.
The Hyppo lifetime simulator calculates both. A lifetime mortgage leaves you the owner: it is repaid on death or when the property is sold. A life annuity sale (viager) transfers the property in exchange for a lump sum and an annuity; in an occupied viager, you keep the right to live there. To sell while keeping the use of the property, see also the sale of bare ownership.
Since decision D-HCSF-2021-7 of the High Council for Financial Stability, property loans are granted within an effort-rate limit of 35%, insurance included, with a share of exceptions. The debt-to-income simulator shows where you stand against this cap.
Hyppo® is a brand of REFI Technologies, a société par actions simplifiée registered with ORIAS as an Intermediary in Banking Operations and Payment Services, Insurance Broker and Financial Investment Adviser under number 23005573, with its registered office at 3 rue de Montyon, 75009 Paris. A loan is a commitment and must be repaid. Check that you can afford the repayments before committing.
