Your buying capacity certificate
Two amounts to know which price to aim for: the maximum, when all your loans take half of your income, and what your budget can really carry. The figures appear straight away. The PDF, to keep or to take to the bank, downloads in exchange for your email.
The maximum: half of your income
€273,000
Monthly payment of €2,250 at most: with your current loans, half of your income. The loan stays below 90% of the price.
What your budget can carry
€273,000
Monthly payment of €2,500: what is left after your loans and your spending.
The safest is to aim for the smaller of the two: €273,000.
Here your savings limit the price: the loan cannot exceed 90% of the price, and your savings pay the rest and the costs.
An indicative calculation based on your answers. It is neither an offer nor a loan approval: only a bank can tell you what it will lend you.
How the calculation works
The maximum: all your loans take at most half of your income, and the loan stays below 90% of the price. The National Bank asks banks to limit loans that finance more than 90% of the price, especially when their payments take more than half of income. Many banks ask for less than this maximum.
What your budget can carry: your income, minus your current loans, minus your everyday spending. This leaves no margin: also plan for property tax, insurance, upkeep and the unexpected.
In both cases, the price takes into account the region's registration duties and notary fees, paid from your savings, as on our municipality pages.