Because the calculating your borrowing capacity is the basis of your project when you want to become a homeowner in the longer or shorter term, we calculate the maximum you can borrow according to your expectations.
There are a number of criteria to take into account when calculating your budget: the debt ratio must be set in relation to your lifestyle and that of your family, as well as how much you have left to live on.
This is the ratio between your expenses and your income. It is generally accepted that your total loan charges should not exceed one third of your income: this is the famous 33% debt ratio. The debt ratio is very important in our calculations. A debt ratio of 33% may be exceeded in certain cases, or conversely, may have to be lower. We are at your side to help you optimise your situation and find the best financing solution together. We're talking about your financial capacity.
Although this may seem intrusive, the aim is not to pass judgement on your lifestyle, but simply to check that your finances are being properly managed and to ensure that you do not have any bank accounts other than those provided, with the utmost respect for professional secrecy and your privacy.
This is the amount of money available after all your loans have been paid off. We will also take into account the composition of your family in our budget calculations.
