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Real estate calculator

Borrowing capacity

How much can you borrow? We start from your income and your existing commitments, apply the 35 % debt-service ceiling set by the HCSF — France’s financial stability board — insurance included, then invert the monthly-payment formula to derive the capital and the target monthly payment.

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Stable net income before income tax: wages, pensions, part of any rental income…

Monthly instalments on your current loans (consumer, car, other property). They count against the 35% cap.

HCSF cap: 35% including borrower’s insurance (confirmed with no easing on 3 March 2026). Editable.

Mid-2026 benchmark (Obs. Crédit Logement/CSA): ~3.34% over 20 years. Update it to match your own loan offer.

Amortisation period. HCSF cap: 25 years (up to 27 years on new-build, or on older property with works worth ≥ 25% of the operation).

%/year on the initial principal (bank group policy ~0.30 to 0.42% in 2026). Included in the 35% cap. Enter 0 to ignore it.

Amount you can borrow
221 628 €
Over 20 years at 3,34 %, insurance included.
Interest share of everything repaid
82 501 €
27,1 %of everything repaid (excluding insurance)

Breakdown of the monthly payment

Available budget (35 %)
1 330 € per month
Loan instalment
1 267 € per month
Borrower’s insurance
63 € per month
Total monthly payment
1 330 € per month

Over the whole term

Interest cost (240 instalments)
82 501 €
Debt-service ratio reached
35,0 %

An estimate, not advice

Indicative estimate, not a contractual offer — the actual terms depend on your own situation and are set by the institution or the tax authority. Check with a professional.

The 35% debt-service ratio is a regulatory ceiling, not a guarantee of approval: the bank also weighs your reste à vivre (the income left once every charge is paid), your down payment and the jump between your current housing cost and the future one. Market rates and the HCSF framework change — check them again on the date of your own project.

How this calculation works

The monthly envelope available to you is your debt-service ratio (35 % by default) multiplied by your net income, less the monthly payments on loans you already have. We then invert the monthly-payment formula of a fixed-rate loan to find the capital that this envelope can repay over the term you choose, keeping the borrower’s insurance premium inside the 35 %. The 2026 rates and HCSF framework serve as default reference points: change them to match your actual offer, then check with your bank or a broker.

Your borrowing capacity also depends on your bank

The amount you can borrow varies from one lender to the next: rates, insurance and salary-domiciliation conditions are not equivalent. Compare before you file your application.

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