Calculate your maximum French mortgage borrowing capacity and monthly installments under strict HCSF rules (max 35% debt-to-income ratio including borrower insurance over 25 years).
Net salaries, pensions, and 70% of regular rental income.
Car loans, personal loans, child support payments.
Average insurance rate according to age and health status.
\text{Mensualité Max} = (\text{Revenus Nets} \times 35\%) - \text{Charges} \quad ; \quad P = \frac{\text{Mensualité}}{\frac{r}{1 - (1+r)^{-n}} + \frac{\text{Taux Assurance}}{12}}Under binding HCSF regulations, French lenders cannot issue mortgages exceeding a 35% debt-to-income ratio, insurance included. Maximum term is strictly 25 years (extendable to 27 years for substantial renovations or new builds off-plan).
Toutes les simulations, calculs de salaire, impôts et projections affichés sur cette page sont fournis à titre strictement informatif et pédagogique. Ils ne constituent en aucun cas un conseil en investissement, juridique, fiscal ou patrimonial. Les barèmes réels, cotisations sociales et conditions bancaires peuvent varier selon la situation individuelle. Calconova décline toute responsabilité quant aux décisions prises sur la base de ces calculs. Veuillez consulter un expert-comptable ou un conseiller financier agréé avant tout engagement financier.
Calculate your eligibility and maximum entitlement for the French 0% interest government-backed mortgage (PTZ 2026) based on zoning, income brackets, and household composition.
Calculate equal monthly payments and total repayment for personal loans.
Calculate vehicle loan financing with down payment, interest, and payoff schedule.