How Much Can I Borrow in France?
Enter your net income, your savings and the rate you expect: you will see the maximum price of the home you can buy, your borrowing capacity and whether your income or your savings are what limits you.
General values (France). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your monthly net income and the savings you can put in.
- Add the rate you expect and the term.
- Check the percentages filled in for France and change them if needed.
- See the maximum price, the breakdown and the limit that applies.
How it is calculated
Two prices are calculated and the lower one wins. By income: the loan whose payment matches the chosen share of your income, plus your savings, minus costs. By savings: the price at which your savings exactly cover the part that is not financed and the costs. The percentages are guide values for France. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Taux d'endettement maximum — Crédit Agricole
About this calculator
How it is calculated
Buying a home has two limits at the same time. The first is the monthly payment: the debt ratio must not exceed 35% of your income, insurance included. The second is savings: they must cover the buying costs and the part the bank does not finance. The calculator works out the price allowed by each limit and keeps the lower one.
What banks in France look at
Since 2022, the rules of the High Council for Financial Stability (HCSF) are binding on banks: a maximum 35% debt ratio and a 25-year term (27 years for new builds with a deferral). They also look at the income left to live on, job stability and your other loans.
Buying costs in France
For existing homes, the «notary fees», mostly transfer duties, come to around 7 to 8% of the price; for new builds, around 2 to 3%. The 7.5% filled in is a general value: check it with your bank or adviser.
Frequently asked questions
What limits my budget?
Two things at once: your income sets the maximum payment (a 35% debt ratio) and your savings must cover the notary fees. The calculator compares both limits and tells you which one applies.
Why are the costs not financed?
Banks generally ask for the deposit to cover at least the notary and guarantee fees. They are therefore deducted from your savings.
Net or gross income?
French banks calculate the debt ratio on net income before income tax. If you are buying as a couple, add your incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In France, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
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