Finance
French Borrowing Capacity Simulator
Calculator Inputs
ResultsLive Estimate
Max Monthly Payment Allowed (35%)€1,225
Maximum Borrowing Capacity€205,712
Visual Distribution100% Total
Results update automatically as you adjust inputs.
Max Monthly Payment Allowed (35%)€1,225
⚡Quick SummaryLast updated: August 2026
Before purchasing real estate in France, estimating your borrowing capacity is essential. French banks strictly follow the HCSF (Haut Conseil de Stabilité Financière) guidelines, limiting total debt ratio to 35% of net household income.
🧮Methodology & Formula
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Methodology & Formula
Max monthly payment formula = (Net Household Monthly Income * 35%) - Existing Debts.
Frequently Asked Questions
What is the HCSF 35% debt ratio limit in France?
French banks cannot grant mortgages where debt payments exceed 35% of net borrower income.
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Official Sources
Estimations based on official statutory tax schedules and regulations: