Check if your financial situation complies with the 35% regulatory threshold imposed by HCSF
HCSF Compliant
Calculation based on the 35% regulatory threshold imposed on banks
Remaining Capacity
Discover how much you can still borrow per month
Personalized Advice
Recommendations tailored to your debt level
The debt ratio is a crucial indicator for obtaining a mortgage in France. Since January 2022, the High Council for Financial Stability (HCSF) imposes a maximum threshold of 35% for all new mortgage loans.
The debt ratio is calculated with the following formula:
Debt ratio = (Monthly debts / Monthly income) × 100Continue your simulation with our other free calculators
Check if your debt ratio complies with the 35% regulatory threshold set by HCSF
Monthly net income after taxes (salaries, rental income, pensions…). Use detailed mode for bank weightings.
Current loans + alimony + other fixed charges. Include rent if you are a tenant.
Simulate the impact of a future loan on your ratio
Max duration: 25 years