For buyers Preview
Mortgage borrowing capacity (preview)
Estimate the capital you can borrow from your income and a debt-to-income ratio. Preview: the 35 % debt-to-income ratio is the standard commonly cited from the High Council for Financial Stability (HCSF), but we have not yet been able to verify it on the official page; adjust it if needed.
Result
Explanation
The debt-to-income ratio is the ratio between all loan payments, including insurance, and income. The bank also applies its own criteria. Notary fees and the personal contribution are not included.
Note: indication, not legal or employment advice
This calculation is an indication based on general statutory rules and the amounts published for 2026. It is not legal, employment or tax advice. Your collective agreement, employment contract or established practice may provide more favourable rules. For a specific case, use the official simulators or consult a professional.
Sources and values used
| Parameter | Value | Source |
|---|---|---|
| Debt-to-income ratio | 35 % (preview, to be verified) | official source to be verified (HCSF) |
| Maximum duration | 25 years (preview, to be verified) | official source to be verified (HCSF) |
| Interest rate | entered by you | official source to be verified (HCSF) |
| Formula | constant annuity | official source to be verified (HCSF) |
Checked on 11 October 2026.