French mortgage effort-ratio calculator

Enter the household’s monthly net income before tax and the charges to be taken into account. The calculation runs only in your browser: none of the figures entered here are sent to the firm.

Monthly net income before tax

€

Total regular household income you want to test in this estimate. Existing monthly loan repayments

€

Where relevant, include insurance attached to those loans. Other charges included in the effort ratio

€

For example, rent that would remain payable after the purchase. Enter 0 if not applicable. Future mortgage payment, including insurance

€

Optional. Used to estimate the effort ratio after the new financing.

HCSF benchmark · 35%

How should the result be read?

The French HCSF sets, in principle, a maximum mortgage effort ratio of 35%, meaning the ratio between borrowing charges and income. Lenders still apply their own underwriting criteria and have a regulated flexibility margin. A result below 35% is therefore never a loan approval, and a result above 35% does not automatically mean that no solution can be considered.

Official source: Haut Conseil de stabilité financière — rules on mortgage lending ↗

LCDF

Prepare my French mortgage assessment

Prepare my French mortgage assessment →

This is a translation of a tool concerning mortgage lending in France. The rules shown are French rules.