在法国，HCSF 阈值为 33-35%——超过此值会使贷款审批变得非常困难。?

在法国，HCSF 阈值为 33-35%——超过此值会使贷款审批变得非常困难。

最大借贷能力显示在保持低于 33% 阈值的前提下您可借入的最大贷款额。?

最大借贷能力显示在保持低于 33% 阈值的前提下您可借入的最大贷款额。

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

以银行级标准计算您的负债收入比，提供借贷能力模拟和专业评估

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.

在法国，HCSF 阈值为 33-35%——超过此值会使贷款审批变得非常困难。
最大借贷能力显示在保持低于 33% 阈值的前提下您可借入的最大贷款额。
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。