The mortgage directive has provisions for the calculation of the annual percentage rate of charge (APRC).

A calculator based on these provisions is available below to help users (including regulators, consumers, creditors) calculate the APRC of a given value of credit. This Excel tool complements the existing calculator for consumer credit.

The calculator is accompanied by a report presenting 44 examples and a guide.

Disclaimer: The data provided by the simulator has not been adopted officially by the Commission and should not be relied upon as a statement of the Commission’s or DG FISMA’s views.


DownloadXLS - 2.8 MB
DownloadPDF - 3.7 MB