French mortgage borrowing capacity simulator
Calculate your French mortgage borrowing capacity in 2026: max monthly payment, borrowable capital, usury rate check. Free, instant result, no sign-up.
In short
- Borrowing capacity capped at 35 percent of net income, insurance included
- Calculation automatically includes existing monthly debt
- Automatic check against the Q2 2026 French usury rate
- Instant result, no sign-up, no cookie
Borrowable capital
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Total budget with down payment
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Max monthly payment (excl. insurance)
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Total interest cost
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Estimated APR
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These results are indicative. They rely on the 35 percent maximum debt ratio rule (insurance included) and the usury rate in force for Q2 2026. Only a formal loan offer issued by a bank commits to a definitive rate.
How the calculation works
The simulator applies three steps:
- Max monthly payment = 35 percent of net income, less current debt
- Borrowable capital: standard annuity formula with APR and term
- Usury rate check: compares APR against Q2 2026 cap (5.19 percent for 20 years and more, 4.48 percent for 10 to 20 years, 4 percent for less than 10 years)
Calculation limits
- Does not replace an official bank simulation
- Does not include notary fees (around 7 to 8 percent in existing properties, 2 to 3 percent in new builds)
- Does not include guarantee fees (surety, mortgage)
- Does not include possible brokerage fees
Strategies to increase your borrowing capacity
- Clear consumer loans: a 300 euros monthly loan cuts 60,000 euros of borrowing capacity over 20 years
- Delegate borrower insurance: 30 to 50 percent savings, lower APR
- Increase down payment: reduces capital to borrow and reassures the bank
- Lengthen the term: increases capacity but also total cost