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Debt Ratio
FR
My Real Estate Simulator
FR

Debt Ratio Calculator

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

How to calculate your debt ratio?

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.

Calculation formula

The debt ratio is calculated with the following formula:

Debt ratio = (Monthly debts / Monthly income) × 100

What do monthly debts include?

  • •Current mortgage loan payments
  • •Consumer loans (auto, personal, revolving)
  • •Alimony payments
  • •Rent if you are still a tenant

Which income to consider?

  • •Net salaries (after taxes)
  • •Regular bonuses (13th month, objectives)
  • •Net rental income (70% of rent received)
  • •Retirement pensions
  • •Professional income for self-employed

Frequently asked questions

Related Tools

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Borrowing Capacity

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Mortgage Payments

Calculate your monthly payments and total loan cost

Bank File

Prepare your loan application file

Loan Insurance

Compare your loan insurance cost

Warning: The simulations presented on this site are provided for informational purposes only and do not constitute investment advice, a credit offer, or a recommendation to buy or sell. The results displayed are estimates based on the data provided and do not guarantee future performance. Any real estate investment decision should be made after consulting qualified professionals (notary, financial advisor, accountant, tax lawyer). The publisher disclaims any responsibility for decisions made based on these simulations.
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Your simulation

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

HCSF Rules (High Council for Financial Stability)

Mandatory criteria

  • Debt ratio ≤ 35% (including borrower insurance)
  • Maximum duration: 25 years (27 years for off-plan / construction)
  • Sufficient remaining to live according to household composition

Possible exemptions (20% of files maximum)

  • First-time buyers
  • Purchase of new property (off-plan)
  • Property with excellent energy rating (A or B)
  • High income (> €5,833 net/month)
  • Young professionals under 35 years
  • Purchase of primary residence