Calculate your borrowing capacity

Borrowing capacity is based on your maximum monthly payment: $\text{Net income} \times 35\% - \text{Existing loan repayments}$. This monthly amount is then converted to borrowable capital based on the interest rate and loan duration. The longer the term, the higher the capacity (but also the total cost).

Yes, since January 2022 the French HCSF (High Council for Financial Stability) has imposed a maximum debt-to-income ratio of 35%, including borrower's insurance. However, banks have a 20% deviation margin for their loan applications, primarily granted to first-time buyers and investors with a comfortable residual income.

Yes, banks include actual or projected rental income in their calculations, but with a 30% haircut (i.e., only 70% of the rent is counted). This adjustment accounts for vacancy risk and potential unpaid rent. Both existing rental income and projected rent from the new property are treated the same way.