French mortgage calculator.
A few figures and you can place your buying budget in France. The result is indicative: fill in your figures, then run the calculation. It commits you to nothing.
Borrowing capacity
…
The capital you could borrow, excluding insurance and buying costs.
Maximum monthly payment
…
At the 35% debt-to-income cap, existing repayments deducted.
Estimated property budget
…
Capacity and deposit, less estimated buying costs.
Estimated buying costs
…
Around 8% of the price on an existing home (notaire fees).
Indicative result, based on a 35% debt-to-income ratio. This is not an offer of credit or personalised advice. The rate is indicative and must be confirmed.
How much can I borrow on €1,500, €2,000 or €3,000 a month?
In practice, your monthly payment stays within 35% of your net income, insurance included. Here, for five income levels and with no other loans running, is the maximum monthly payment and the capital you could borrow over 20 or 25 years, at an indicative rate of 3.5% (excluding insurance and deposit).
| Net monthly income | Max payment (35%) | Over 20 years | Over 25 years |
|---|---|---|---|
| €1,500 | €525 | around €90,000 | around €105,000 |
| €2,000 | €700 | around €120,000 | around €140,000 |
| €2,500 | €875 | around €150,000 | around €175,000 |
| €3,000 | €1,050 | around €180,000 | around €210,000 |
| €4,000 | €1,400 | around €240,000 | around €280,000 |
Indicative examples, rate of 3.5% excluding insurance, no loans running. Add your deposit for your buying budget, then subtract buying costs. Put your own figures in the calculator above to refine. Going further: how much can you borrow, the cost of buying in France, which banks lend to non-residents. A project to arrange? See the English-speaking mortgage broker page.
Get my personalised estimate
I will look at your project and write back. The first 45-minute call is free, in English, by phone or video, with no commitment.