Estimate how much you could borrow for a property purchase from your income, loans and charges, down payment, rate, term and insurance.
Your property project
Enter your income, loans and charges. The calculator derives a target payment, then estimates the financeable principal.
Indicative simulation. Approval depends on the lender, living balance, down payment, property and ancillary costs.
Understand borrowing
Lenders first assess how much of your income is already absorbed by existing loans, charges and the future mortgage. In France, the common reference effort ratio is 35% including insurance, but approval still depends on the full file.
The calculation starts from net monthly income, applies a target effort ratio, then subtracts existing loans and recurring charges.
The result is the theoretical monthly amount available for the new mortgage, including borrower insurance.
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.
Your down payment is added to the estimated principal to produce an indicative purchase envelope.
Notary, guarantee and broker fees, renovation costs and lender-specific criteria are not included.
FAQ
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. The displayed budget only adds estimated borrowing and down payment. You still need to account for notary, guarantee, application and broker fees, plus any works.
No. It is an indicative estimate. Lenders also review income stability, savings, living balance, age, the financed property and their own risk policy.