19/6/2025 Shahin, Venlo

Loan calculator
Taking out a loan in three steps
1. Request a no-obligations offer
2. See immediately whether you can borrow
3. Check!
“With a no-obligations offer, you know whether you can get a loan and how much exactly you would be paying in interest. There is a 30-day cooling-off period and you are not committed to anything.”

Jeroen Harleman, loan expert ABN AMRO
Why you should choose ABN AMRO for your loan
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Personal contact
Frequently Asked Questions about the calculation and costs of borrowing
How is my maximum loan calculated?
Your maximum loan is calculated by looking closely at your income and your expenses, for example, your:
- income
- family situation. For example, do you have children?
- housing expenses. What is your monthly rent or mortgage payment?
- other financial obligations. Do you pay maintenance? Do you have any other loans?
How do I calculate my monthly loan repayments?
Your monthly repayments include a portion of the principal (the amount of the actual loan) and interest. Calculate how much you can borrow and see what your monthly repayments will be right away.
How much interest do I pay on a loan?
The amount of interest on your loan will depend on (among other things):
- the amount you borrow
- your personal situation, like your income and expenses, for example, and your family and living situation.
What is the current interest rate?
How does my rent or mortgage affect the amount I can borrow?
How does my family situation affect the calculation of my loan?
Based on your family situation, we estimate how much money you need each month to make ends meet. Someone living alone has lower costs than a family with children.
Frequently Asked Questions about the application process and acceptance
Can I take out a loan with ABN AMRO even if I’m not a customer?
When can I borrow money?
You can apply for a loan if you:
- are aged 21 to 68
- have sufficient income
- live in the Netherlands.
Borrowing money: what should I pay attention to?

Personal contact
Calculation example of a personal loan
This table is only an example of the most frequently used interest rates. The interest rate that you pay depends on how much you borrow, for how long and your personal situation. To find out which interest rate applies to you, request a quote, without any obligations. Take a look at the different interest rates for the personal loan.
Term 60 months (5 years)
Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
---|---|---|---|
€ 5.000 | 12.4% | € 110,58 | € 6.635 |
€ 10.000 | 9.6% | € 208,56 | € 12.514 |
€ 15.000 | 7.9% | € 301,48 | € 18.089 |
€ 25.000 | 7.9% | € 502,47 | € 30.148 |
€ 50.000 | 7.5% | € 996,06 | € 59.764 |
Term 120 months (10 years)
Amount borrowed | Fixed borrowing rate/annual percentage rate | Monthly payment | Total cost of loan |
---|---|---|---|
€ 5.000 | 12.4% | € 71,00 | € 8.521 |
€ 10.000 | 9.6% | € 127,77 | € 15.332 |
€ 15.000 | 7.9% | € 179,05 | € 21.486 |
€ 25.000 | 7.9% | € 298,42 | € 35.811 |
€ 50.000 | 7.5% | € 587,11 | € 70.453 |
The term of a personal loan ranges between 12 months and 144 months. The annual percentage rate (APR) expresses all costs associated with the loan. Apart from interest, there will be no additional cost. The annual percentage rate ranges between 5.0% and 8.8%.
Good to know: The interest rate on a personal loan does not change throughout the loan term, meaning that you will pay the same amount every month. Repayments are made up of a portion of the principal (the amount of the actual loan) and interest. In the month in which your loan is paid out, you only pay a one-off interest charge. This is the interest from the pay-out date of the loan until the end of the month.