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Home and loans

Borrowing capacity

How much to borrow when the payments must not go over 35 % of the income, insurance included.

Everything is worked out in your browser: nothing is sent, nothing is kept.

How it is worked out

1

Since 2022, French banks follow the rule of the High Council for Financial Stability: the payments of all loans, insurance included, stay under 35 % of the net income, and the term under 25 years (27 for a new build with a deferral).

2

The calculator takes 35 % of the income, takes off the current loans, and finds the capital this payment repays at the chosen rate and term. A deposit adds to this amount for the purchase budget.

The formula
Highest payment= 35 % × income − current loans
Capital= Highest payment ÷ (r ÷ (1 − (1 + r)−n) + monthly insurance)

Going further

In fleenFirst homeFixed bills set once, the month read ahead.

Questions

Is 35 % compulsory?

Banks may go past it for a small part of their files, mostly for a main home. It is the exception.

What income counts?

Regular net income: salaries, self-employed income over several years, part of the rents received. One-off bonuses count little.

Does what is left to live on count?

Yes: the bank also looks at what remains once the payment is made. The left-to-live-on calculator helps check it.

The other calculators

All calculators
Mortgage paymentMonthly payment, interest and total cost of a loan.Debt ratioThe share of income taken by loans.Personal loanMonthly payment and cost of a consumer loan.Split a billEqual shares, percentages, shares or fixed amounts.

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