Calculator
Non-resident borrowing capacity calculator
French lenders cap your total borrowing at around 35 percent of gross income. See the mortgage that rule supports, and the property budget it puts within reach.
Total stable income before tax, converted to euros.
Other mortgages, loans and credit commitments you already hold.
How this is calculated
French lenders apply a debt-to-income test. As a rule of thumb your total monthly debt payments, including the new mortgage and its insurance, should stay within about 35 percent of your gross income. We take 35 percent of the income you enter, subtract any existing debt payments, and treat what is left as the largest monthly mortgage payment a bank is likely to accept.
From that payment we work back to a loan using a standard repayment formula at the rate and term you choose. The indicative property budget then adds your cash deposit and allows roughly 7.5 percent for notaire and acquisition fees, which are normally paid in cash on top of the loan.
This is a planning estimate, not a lending decision. Banks weigh your assets, the currency of your income, the property and your wider profile. A specialist broker will quote against your real file.
Frequently asked questions
How much can a non-resident borrow in France?
Lenders cap total monthly debt at roughly 35 percent of gross income, including the new mortgage and its insurance. Your borrowing capacity is the loan that payment supports over your chosen rate and term, on top of a deposit of usually 20 to 25 percent.
Does the 35 percent rule include my existing loans?
Yes. The test looks at all your debt payments together, so existing mortgages and loans reduce what a French bank will add on top.
Is the property budget exact?
No, it is a planning estimate. It assumes fees of about 7.5 percent in cash and a standard repayment loan. Your real capacity depends on the currency of your income, your assets and the bank, so confirm it with a broker.
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