In France, the HCSF threshold is 33-35% — exceeding this makes loan approval very difficult?

In France, the HCSF threshold is 33-35% — exceeding this makes loan approval very difficult.

The max borrowing capacity shows the largest loan you can take while staying under the 33% threshold?

The max borrowing capacity shows the largest loan you can take while staying under the 33% threshold.

Run the simulation before visiting your bank to negotiate from a position of knowledge.

Calculate your debt-to-income ratio with banking-grade analysis, capacity simulation, and professional assessment

Calculate your debt-to-income ratio with banking-grade analysis, borrowing capacity simulation, and professional assessment — all in your browser.

1Enter your monthly net income (or multiple income sources in Advanced mode).
2Add your monthly debt payments (mortgage, consumer loans, car loan, etc.).
3In Advanced mode, add fixed charges (insurance, energy, childcare) and household size.
4Review your DTI ratio, disposable income, and bank assessment (Excellent to Danger).
5Use the loan simulation to see how a new loan would affect your DTI and whether banks would approve it.
6Starter+: View the DTI evolution chart over time and export a professional PDF report.

In France, the HCSF threshold is 33-35% — exceeding this makes loan approval very difficult.
The max borrowing capacity shows the largest loan you can take while staying under the 33% threshold.
Run the simulation before visiting your bank to negotiate from a position of knowledge.

Free: full DTI calculation and bank assessment. Starter+: charts, PDF/CSV export.

OneKitTools TeamUpdated 2.21.4