Calculate your monthly payments, total loan cost, and borrowing capacity. Two modes: loan calculator and reverse capacity estimator.
Property price €300,000
€
Down payment €60,000 (20%)
€
Interest rate/yr 3.5%
0.5%12%
Loan duration
Monthly payment
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—
Loan amount
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Principal borrowed
Total interest
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Cost of credit
Total repaid
—
Principal + interest
Interest ratio
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% going to lender
Down payment
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% of price
Equity >50% by
—
Break-even year
Amortisation schedule
Principal paid
Interest paid
Remaining balance
💡 Key insights
Sources
FR avg rate 3.5%: Banque de France, Jan 2025. US avg 6.5%: Freddie Mac PMMS, Q1 2025. UK avg 7.2%: Bank of England, Jan 2025. HCSF DTI cap (FR) 35% since 2022. Standard annuity formula. Figures are indicative.
Net monthly income €3,500
€
Existing monthly debt €0
€
Interest rate/yr 3.5%
0.5%12%
Loan duration
DTI limit 33%
20%FR max 35%45%
Available savings €30,000
€
Maximum borrowing capacity
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—
Max monthly payment
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At DTI limit
Total buying power
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Loan + savings
Income left/mo
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After loan payment
💡 Capacity breakdown
France: HCSF regulation caps DTI at 35% since 2022, max 25 years. US: conventional loans allow up to 43-45% DTI. UK: typically 4-4.5× annual income. Figures are estimates. 2025.