Borrowing Capacity Calculator
Find out how much you can borrow from your income, current loans, duration, rate and insurance, with the French 35% debt-to-income rule.
Everything is computed in your browser: nothing is uploaded.
About this tool
The borrowing capacity calculator estimates how much you can borrow for a property in France. It starts from your net monthly income and the maximum debt-to-income ratio, 35% by default under the French High Council for Financial Stability norm, subtracts your current loans and works out the available monthly payment.
With the duration, interest rate and borrower insurance rate, it calculates the capital you can borrow, the total budget with your down payment, the insurance share of the payment and the cost of credit. It flags durations over 25 years, which fall under exceptions.
- 35% debt-to-income insurance included, adjustable
- Current loans taken into account
- Duration, interest rate and borrower insurance
- Borrowable capital and budget with down payment
- Monthly payment and cost of credit
- Warning beyond 25 years
How to use it
- Enter your net monthly income and current loans.
- Set duration, rate and insurance.
- Add your down payment.
- Read the amount you can borrow and your total budget.
Frequently asked questions
What is the 35% rule?
The French High Council for Financial Stability norm caps borrowers’ debt-to-income ratio at 35%, insurance included, and loan duration at 25 years, with a share of exceptions for banks.
Can I borrow over 27 years?
Up to 27 years when the purchase includes a deferred repayment period, for example for new builds or major works, within the exceptions.
How is insurance calculated?
The tool applies an annual rate to the borrowed capital, spread monthly, as most group contracts do.
Does the result commit a bank?
No, it is an indicative simulation: banks also look at your remaining income, job stability and savings.