Borrowing Capacity Calculator
Determine how much you can borrow for your real estate project
How does this calculator work?
This calculator determines the maximum amount you can borrow from a French bank based on your income, existing expenses, and desired loan parameters. It complies with HCSF standards with a maximum debt ratio of 35%.
How to calculate your borrowing capacity?
Borrowing capacity represents the maximum amount a bank is willing to lend you to finance your real estate project. This calculation takes into account your net monthly income, existing expenses, and the maximum authorized debt ratio (generally 35% according to HCSF recommendations).
French Banking Criteria (2026)
Maximum debt ratio
Limited to 35% of your net income by HCSF
Maximum duration
25 years for existing property, 27 years for new build (VEFA)
Personal contribution
Generally 10% minimum to cover notary fees
Remaining income
At least €800 to €1,200 depending on household size
Tips to optimize your borrowing capacity
- 1Pay off your consumer loans before applying
- 2Increase your down payment to reassure banks
- 3Compare offers from several banking institutions
- 4Show clean bank management (no overdraft for 3 months)
- 5Declare all your regular income (bonuses, 13th month...)
Frequently Asked Questions
Can you exceed the 35% debt ratio?
Is rental income taken into account?
What is the difference between borrowing capacity and purchasing capacity?
What impact does the PTZ have on borrowing capacity?
How does loan smoothing work?
Is a down payment absolutely necessary?
What is the minimum remaining income required by banks?
Do bonuses and 13th month salary count as income?
This calculator provides an estimate based on standard French bank criteria. For a personalized study, consult a broker or your bank.
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