Have financing offers reviewed

And you took the trouble to calculate the actual annuities on a monthly basis in Excel, to take into account the interest-only period, etc.?

Except for the interest-only period, I have calculated all data on a monthly basis, including the actual annuity - yes. The interest-only period is not included because I never wanted to calculate this variant. My main concern was to be able to evaluate the impact of special repayments. And for that, the online calculators were too inflexible for me.

And you took the trouble to calculate the actual annuities on a monthly basis in Excel, to take into account the interest-only period, etc.?

me too, I come within 2 cents of the remainder that's actually very easy....