Monaco Tool
Mortgage Calculator
Compare Monaco private bank mortgage rates across 10 lenders. EUR rates, stress tests, LTV caps for residents (80%) vs non-residents (60%), and a €500k minimum loan reminder.
€5.000.000
€1.500.000 · 30.0%
2.15%
Max LTV: 80%
Monthly Payment
€17.956
Loan Amount
€3.500.000
70.0% LTV
Deposit
€1.500.000
30.0% of price
Total Interest
€809.350
Total Paid
€4.309.350
Effective Rate
2.15%
Interest-to-Loan
23%
LTV Status
OK
Cap 80%
Rate Stress Test
If ECB rates rise, your EUR payment changes like this:
2.15%
€17.956
+1pp (3.15%)
€19.675
+€1.719/mo
+2pp (4.15%)
€21.487
+€3.531/mo
+3pp (5.15%)
€23.389
+€5.434/mo
Amortisation Schedule
Principal vs interest over the life of your mortgage.
Private Bank Comparison — 5-Year Fixed
Monthly payments across 10 Monaco private banks for your €3.500.000 loan over 20 years.
| Bank | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| CFM IndosuezBest | 2.15% | €17.956 | €809.350 | €4.309.350 |
| BNP Paribas WM Monaco | 2.20% | €18.039 | €829.441 | €4.329.441 |
| Compagnie Monégasque de Banque (CMB) | 2.25% | €18.123 | €849.590 | €4.349.590 |
| UBP Monaco | 2.25% | €18.123 | €849.590 | €4.349.590 |
| HSBC Private Bank Monaco | 2.28% | €18.174 | €861.706 | €4.361.706 |
| Barclays Monaco | 2.30% | €18.207 | €869.795 | €4.369.795 |
| ABN AMRO Monaco | 2.32% | €18.241 | €877.893 | €4.377.893 |
| Société Générale PB Monaco | 2.35% | €18.292 | €890.057 | €4.390.057 |
| Rothschild & Co Monaco | 2.40% | €18.377 | €910.376 | €4.410.376 |
| Crédit Suisse Monaco | 2.42% | €18.410 | €918.519 | €4.418.519 |
Monaco Private Banking Notes
- • Rates shown are indicative Q1 2026 benchmarks. ECB deposit rate assumed at 1.40%.
- • Monaco residents can typically borrow up to 80% LTV; non-residents are capped around 60%.
- • Minimum loan size is usually €500.000 — these are private-banking products, not retail.
- • Most banks require a total AUM / wealth-management relationship (often €1m+ assets on deposit).
- • SARON- or ECB-linked trackers reset periodically. Fixed deals dominate for non-residents.