How much property can you afford in France?
French mortgage affordability depends on household income, regular expenses, existing debt, borrower insurance, savings and acquisition costs. This calculator converts available monthly cash flow into an illustrative borrowing and property budget.
Debt ratio and remaining income
French lenders assess repayment capacity using income, commitments and reste à vivre. Bank policies and applicable lending standards determine the actual decision; the editable income marker is only a planning aid.
Acquisition costs and deposit
Allow for transfer taxes, notary-related acquisition costs, finance fees and a cash reserve. Costs differ between existing and new-build property and by transaction.
Stress-test a target home
Compare a target price and deposit with stressed payments, cash needs and monthly budget. This is not an approval or lending offer.