Calculate your mortgage borrowing capacity
Find out how much you can borrow based on your income, expenses and personal contribution. Our tool instantly calculates your maximum monthly payment, borrowable capital and debt ratio according to HCSF 2026 rules.
Frequently asked questions
How to calculate borrowing capacity?▾
Borrowing capacity mainly depends on your debt ratio. The maximum allowed monthly payment is generally 33% of your net income minus existing expenses.
What is the HCSF 35% threshold?▾
The HCSF (High Council for Financial Stability) recommends banks limit loans to borrowers whose debt ratio exceeds 35%. Banks can waive this rule for 20% of applications.
Does personal contribution change borrowing capacity?▾
Personal contribution increases your total budget but doesn't directly change your monthly repayment capacity. However, at least 10% contribution is often required by banks.
Do rental incomes count towards borrowing capacity?▾
Yes, banks generally take into account 70% to 80% of rental income.
How to increase borrowing capacity?▾
Several options: increase income, reduce existing expenses, increase personal contribution, extend loan duration, or add a co-borrower.