Free calculator · 35% rule
France borrowing capacity calculator
How much can you borrow, and for what price? The French 35% rule applied to your income, with the latest average rate and notary fees.
Amount you can borrow by income
| Net income / month | 20 years (3.27%) | 25 years (3.35%) |
|---|---|---|
| €2,000 | €118,000 | €135,000 |
| €2,500 | €147,000 | €169,000 |
| €3,000 | €177,000 | €202,000 |
| €3,500 | €206,000 | €236,000 |
| €4,000 | €236,000 | €270,000 |
| €5,000 | €295,000 | €338,000 |
| €6,000 | €354,000 | €405,000 |
| €8,000 | €472,000 | €540,000 |
35% debt-to-income ratio, insurance 0.30% a year, no other loan. Average rates: Observatoire Crédit Logement / CSA, August 2026.
Frequently asked questions
How much can I borrow in France?
Your monthly payment, insurance included, may not exceed 35% of your net income (HCSF rule), over 25 years at most. With a net income of €4,000 a month that is €1,400 a month, about €270,000 over 25 years at 3.35%.
How is the debt-to-income ratio calculated?
Debt-to-income = (all loan payments + the new payment, insurance included) / net monthly income before tax.
What property price can I aim for?
Add your deposit to the amount you can borrow, then take off the notary fees. With a €30,000 deposit in the example above, the maximum price is about €277,000 for an existing home.
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Free indicative calculations, no sign-up: not a loan offer, nor legal, tax or financial advice. Ask a notary, a bank or a broker about your own situation.