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Home and loans

Debt ratio

The share of your income your loans take each month, and the room left before 35 %.

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

How it is worked out

1

The debt ratio is the total of the loan payments, insurance included, divided by the monthly net income. A tenant's rent is not in it, but a future borrower's rent is replaced by the loan payment.

2

The 35 % ceiling is the rule French banks have followed since 2022.

The formula
Ratio= payments ÷ net income × 100

Going further

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

Questions

What to do over 35 %?

A longer term, clearing a small loan or a larger deposit bring the ratio down. So does consolidating loans, at a cost.

Do revolving credits count?

Yes, even unused for some banks: they count a notional payment.

And for a couple?

The income and payments of both borrowers are added up.

The other calculators

All calculators
Mortgage paymentMonthly payment, interest and total cost of a loan.Borrowing capacityHow much to borrow without going over 35 % of income.Personal loanMonthly payment and cost of a consumer loan.Split a billEqual shares, percentages, shares or fixed amounts.

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