Use this France mortgage calculator to estimate your borrowable loan amount and property budget from your monthly income, existing repayments, deposit, interest rate, term and insurance.
Your property project
Enter monthly net income before tax and repayments that will continue after purchase. Adjust the French 35% reference effort ratio, rate and term to estimate your loan and buying budget.
Indicative simulation. Approval depends on the lender, living balance, down payment, property and ancillary costs.
Understand borrowing
The calculator first estimates the monthly mortgage payment available after existing repayments. It then converts that payment into a loan amount using the interest rate, term and borrower insurance. The French HCSF reference effort ratio is generally 35% including insurance; a lender still reviews the full application.
For the same payment, a longer term increases borrowing capacity but also raises the total cost of credit.
A higher interest rate or more expensive insurance mechanically reduces the amount that can be financed.
Understand the numbers
Borrowing capacity starts with the monthly budget available to repay a new loan. Compare three income levels with the same existing repayments, term and down payment.
| Monthly income | Available monthly payment | Borrowable principal | Budget incl. down payment |
|---|---|---|---|
| €2,500.00 | €675.00 | €111,577.68 | €131,577.68 |
| €3,500.00 | €1,025.00 | €169,432.77 | €189,432.77 |
| €4,500.00 | €1,375.00 | €227,287.86 | €247,287.86 |
Monthly net income before tax, €200 in continuing loan repayments, a 35% effort ratio, 20-year term, hypothetical 3.5% nominal rate and 0.3% insurance on initial principal. €20,000 down payment. Budget before acquisition costs and renovation; an estimate without guaranteed bank approval.
With €3,500 income, keep all other inputs unchanged and vary the loan repayments that continue after purchase. The total repayment ceiling remains €1,225 a month in these scenarios.
| Existing repayments / month | Available monthly payment | Borrowable principal | Budget incl. down payment |
|---|---|---|---|
| €0.00 | €1,225.00 | €202,492.82 | €222,492.82 |
| €200.00 | €1,025.00 | €169,432.77 | €189,432.77 |
| €400.00 | €825.00 | €136,372.72 | €156,372.72 |
With €200 in existing repayments, the available payment is 3,500 × 35% − 200 = €1,025 including insurance. This budget is then converted into principal using the rate and term. A larger down payment increases the purchase budget without changing monthly repayment capacity.
The displayed budget adds borrowable principal and the down payment. To find a target property price, subtract acquisition, financing and renovation costs paid from that same budget. The effort ratio is one criterion among others: the bank also assesses eligible income, remaining living expenses and your application. A calculator setting is not permission to exceed applicable lending rules.
HCSF — French mortgage lending conditionsFAQ
The key points to understand before interpreting your borrowing capacity.
The HCSF reference is generally a 35% effort ratio including insurance. Banks have some flexibility and may also reject applications below that threshold.
Enter recurring charges a lender is likely to consider: existing loans, support payments, rent that will remain, regular commitments and similar charges.
Not always, but it often helps. It can cover acquisition costs and reduce the risk perceived by the lender.
No. It is an indicative estimate. Lenders also review income stability, savings, living balance, age, the financed property and their own risk policy.