Calculate your borrowing capacity

Borrowing capacity represents the maximum amount a bank will lend you. It primarily depends on your net income, existing debts, and the authorized debt-to-income ratio.

The calculation considers the interest rate, loan duration, and insurance. Longer durations increase capacity but also total loan cost.

The remaining budget after all payments is also an acceptance criterion. Banks generally require a minimum of 700 to 1,000 EUR per person.