How is borrowing capacity calculated?

It depends on your net monthly income, fixed expenses, the maximum allowed debt-to-income ratio (generally 35%), the loan term, and the interest rate offered by the bank.

What is the maximum allowed debt-to-income ratio?

The maximum recommended debt-to-income ratio is 35% (including insurance).

Can I increase my borrowing capacity?

Yes, by extending the loan term, reducing your monthly expenses, increasing your down payment, or consolidating your existing debts.

Does borrower's insurance impact my borrowing capacity?

Yes. The cost of insurance is included in the debt-to-income ratio. Choosing a cheaper insurance (via insurance delegation) can therefore improve your borrowing capacity.

What is the ideal term for a mortgage loan?

The term depends on your age, income, and goals. The shorter the term, the less interest you pay, but your monthly payments will be higher. The simulator allows you to test several scenarios.

🏦 Borrowing Capacity

Accurately calculate your borrowing capacity, monthly payments, and view the complete amortization schedule.

Net monthly income (€)

Existing monthly expenses (€)

Annual interest rate (%)

Loan term (years)

20 years

Maximum debt-to-income ratio (%)

Annual insurance rate (%)

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