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.

运行 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 — 全部在浏览器中完成.

1输入你的monthly net income (or multiple income sources in Advanced mode)。
2添加你的 monthly debt payments (mortgage, consumer loans, car loan, etc.).
3In 高级 mode, 添加 fixed charges (insurance, energy, childcare) and household 大小.
4审查your DTI ratio, disposable income, and bank assessment (Excellent to Danger)。
5使用loan simulation来see how a new loan would affect your DTI and whether banks would approve it。
6Starter+: 查看 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.
运行 simulation before visiting your bank to negotiate from a position of knowledge.

免费：full DTI calculation and bank assessment。Starter+：charts, PDF/CSV export。