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Mortgage refinancing

A lower rate is not enough: the calculation weighs the interest saved against the cost of the operation and gives the month it becomes worthwhile — free of charge.

2026 rules — verified on September 6, 2026Free, no account

This content is part of the path: Buying a home and financing the loan· Step 9 of 10· Next step: Sworn statement of address: free template

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Sources and assumptions

  • legifrance.gouv.fr — LEGIARTI000032807572 — tax year 2026, verified on September 6, 2026
    Excerpt from the source : « L'indemnité éventuellement due par l'emprunteur en cas de remboursement par anticipation, prévue à l'article L. 313-47, ne peut excéder la valeur d'un semestre d'intérêt sur le capital remboursé au taux moyen du prêt, sans pouvoir dépasser 3 % du capital restant dû avant le remboursement. »
  • legifrance.gouv.fr — LEGIARTI000032807572 — tax year 2026, verified on September 6, 2026
    Excerpt from the source : « sans pouvoir dépasser 3 % du capital restant dû avant le remboursement. »

Calculation assumptions

  • Comparison of two loans on the same outstanding capital and the same term. The lender's settlement statement prevails.
  • The term is assumed UNCHANGED. Refinancing that shortens or lengthens it changes the interest for a reason other than the rate: the comparison would no longer be honest.
  • Borrower's insurance is not included. Changing it is a separate step and may be worth more than the rate itself.
  • The penalty is calculated AT the legal cap. A contract may provide for less, or none: check your loan offer before committing.
  • Gains are expressed in current euros, without discounting: a euro saved in ten years counts as much as one saved tomorrow.

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This result is provided for information purposes only and does not constitute personalised tax advice. Check your situation with the tax authorities or a professional.