💼 Borrowing Capacity Calculator
Calculate how much you can borrow for a home in France based on your net income, your current loans and the French HCSF rules (35% debt ratio including insurance, 25 years maximum). Get an instant estimate of your borrowing capacity and your remaining living budget (reste à vivre).
💰 Income
💳 Monthly Expenses & Debt
⚙️ Loan Parameters
📊 Your Borrowing Capacity
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About the Borrowing Capacity Calculator
This calculator estimates how much you can borrow to buy a home in France. French banks must follow the rules of the Haut Conseil de stabilité financière (HCSF): a maximum debt ratio of 35% including borrower insurance and a maximum loan term of 25 years. It is intended for French residents and for English speakers buying property in France.
Features
- Multiple Income Sources: Include your net salary, a co-borrower's income and other income such as rent received.
- Current Loans: Factor in all monthly loan repayments (consumer credit, car loan, other loans).
- HCSF Standard Built In: 35% debt ratio including borrower insurance and 25 years by default, with a warning if you go beyond these limits.
- Maximum Property Price: See the total budget when combining your deposit with your borrowing capacity.
- Living Budget: Estimate of what remains each month after loans and living expenses (reste à vivre).
- Real-time Updates: Results adjust instantly as you modify any input field.
Use Cases
- Buying in France: Understand your budget before house hunting.
- First-Time Buyers: Check what a French bank is likely to lend.
- Financial Planning: Evaluate how extra income or paying off a loan affects your capacity.
- Loan Consolidation: See how much you could borrow after clearing a current loan.
- Bank Meeting: Arrive with a realistic estimate before meeting your bank or a broker.
How to Use
- Enter Income: Your annual net income before income tax, plus the co-borrower's and other income if applicable.
- Enter Commitments: Your current monthly loan repayments and your living expenses (the latter only affect the living budget).
- Set Loan Parameters: Interest rate, desired term, borrower insurance rate and available deposit.
- Debt Ratio: 35% is the HCSF ceiling; choose less to keep a safety margin.
- Review Results: Maximum loan, property price, monthly repayment and living budget.
- Optimize: Try different scenarios to see what changes your capacity.
Privacy & Security
- 100% Client-Side: All calculations happen in your browser - no data is sent to any server.
- No Data Storage: Your financial information is never saved or tracked.
- Instant Results: Fast calculations without any network requests.
- Private & Secure: Your financial planning remains completely confidential.
💡 Understanding the French HCSF Rules
Debt Ratio (taux d'endettement): (repayments of all loans, including borrower insurance) ÷ monthly net income before income tax. Since 1 January 2022, the legally binding HCSF decision caps it at 35%.
Loan Term: 25 years maximum, extended to 27 years when the loan includes a deferred repayment period (new-build purchase, renovation works).
Flexibility Margin: Banks may exceed these limits for 20% of their quarterly lending, at least 70% of which must go to main residences and 30% to first-time buyers.
Living Budget (reste à vivre): Beyond the debt ratio, banks check what remains each month after loans and expenses; the minimum expected depends on the bank and household size.
Maximum Property Price: This is loan + deposit; remember that the deposit usually also has to cover notary fees and guarantee costs.
Note: This calculator provides estimates. Loan approval also depends on job stability, savings, account management and each bank's own criteria; non-residents may face stricter conditions.