How much can you
borrow?
Enter your income, expenses and contribution. Our simulator calculates your borrowing capacity in real time, according to current HCSF standards.
1 Your project
2 Personal situation
3 Your monthly net income
4 Your current monthly charges
5 Your personal contribution
6 Desired duration
Your estimated borrowing capacity
Calculation details
By domiciling your income with Nexia, you benefit from a reduced rate of 0.15 points.
Indicative simulation based on the HCSF rule of 35% debt. The rates used are indicative rates in force. This result does not constitute an offer of credit. Subject to study of the file.
How is your borrowing capacity calculated?
Our simulator applies the prudential rules of the High Financial Stability Council (HCSF) in force since January 2022.
We add up your income
Salaries, property income (at 70%), pensions, stable allowances. Variable income (bonuses, temporary work) is retained at 50%. Investment income is not withheld.
Income = Salaries + Rent × 70% + Pensions
We apply the HCSF ceiling
The total of your monthly credit payments (including the new loan) cannot exceed 35% of your net income. This is the HCSF rule imposed on all banks since 2022.
Max monthly payment = Income × 35%
We deduct your current charges
Current monthly loan payments, current rent (if you remain a tenant), alimony paid reduce the monthly payment available for your new loan.
Monthly payment available = Maximum monthly payment − Charges
We calculate the borrowable capital
The available monthly payment is converted into capital using the rate and duration chosen. We add your contribution to obtain your total purchasing capacity.
Capacity = Capital + Contribution
How to increase
your borrowing capacity?
A few simple levers to maximize your capacity before submitting your file.
Each monthly consumer or car credit payment removed frees up capacity for your property loan. The impact is direct and often significant.
A larger contribution reduces the capital to be financed and improves your file in the eyes of the banks. Aim for at least 10% + notary fees.
Going from 20 to 25 years reduces the monthly payment and increases the borrowable capital. In return, the total cost of credit is higher.
A spouse, partner or trusted relative whose income is added to yours can significantly increase your borrowing capacity.
In the 6 months preceding your request, avoid consumer credit, overdrafts and large purchases. Banks analyze your last 3 months of statements.
Domiciling your salaries with us entitles you to a preferential rate of −0.15 points, which improves both your capacity and the total cost of credit.
“Our advisors analyze your complete file to identify all the optimization levers before even submitting your file for credit analysis. »
— Financing DepartmentThe criteria that we
examine in your file.
Beyond the debt ratio, several factors influence the final decision.
Professional stability
Permanent contract, civil servant or established liberal profession: the nature and length of your employment contract are determining criteria. Fixed-term and temporary contracts are considered on a case-by-case basis.
Personal contribution
The higher your contribution, the less risk for the bank. A contribution of 20% or more generally unlocks the best rates and simplifies the analysis of the file.
Banking behavior
The last 3 account statements are analyzed. Frequent overdrafts, direct debit rejections or excessive spending can weaken your file.
Still to live
After repayment of the loan, you have an amount left to live on. We check that this “remainder to live” is sufficient depending on your family situation and your place of residence.
FICP / FCC registration
We check the absence of registration with the Banque de France (payment incidents, over-indebtedness). An active FICP or FCC record results in automatic refusal of credit.
Global heritage
Available savings, real estate held, financial investments. Existing assets reassure the bank about your ability to cope with unforeseen events.
Your questions about borrowing capacity.
An advisor responds via chat in less than 2 minutes.
Is the simulation reliable?
Our simulator strictly applies the 35% HCSF rule and the rates in force with us. The result is a reliable, but non-contractual estimate: the final study of the file may vary slightly depending on your detailed profile (professional seniority, assets, banking behavior). Our advisors refine the simulation during an interview.
Can I borrow more than my calculated capacity?
No, since the HCSF directive of 2022, banks cannot exceed 35% debt ratio for more than 20% of their production. In practice, Nexia applies this rule to all files. Only a larger contribution or the removal of existing loads can increase your capacity.
Is my current rent taken into account in the charges?
Yes, if you remain a tenant after the purchase (secondary residence, rental investment). In the case of purchasing a main residence, your current rent disappears since you stop paying it when you move into the property - it is therefore not included in the recurring charges but your advisor analyzes it in the cash flow transition.
Are rental income taken into account?
Yes, up to 70% of the gross amount of rent collected. This prudent discount takes into account rental vacancies, charges and taxes. For a property rented bare at €1,000/month, only €700 is included in the calculation of your capacity.
What does “remaining to live” mean and what is the minimum requirement?
The remaining amount to live on is the amount available after deducting all your monthly credit payments. We apply the following minimums: €1,200 for a single person, €1,800 for a couple, + €400 per dependent child. These minimums may vary depending on geographic location (Paris being more demanding).
Your capacity is calculated.
Proceed to the next step.
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