Determine how much you can borrow for your real estate project
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%.
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).
Limited to 35% of your net income by HCSF
25 years for existing property, 27 years for new build (VEFA)
Generally 10% minimum to cover notary fees
At least €800 to €1,200 depending on household size
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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Fill in the form and click "Calculate capacity".