01
Effort ratio
Default 33%. Try 30% (conservative) or 35% (more aggressive). Each lender reads it differently.
Tool
How much can I borrow: indicative capacity
Start from household net income, other monthly debts and an effort ratio (often 30–35%). You get a max payment, loan size and an affordable price with your deposit. A banking rule of thumb — not an approval.
Typically 30–35%. Each lender reads it differently.
Indicative only. Not a pre-approval or a binding offer.
Result
Max loan
€196,157
- Affordable price
- €246,157
- Max payment
- €806/mes
- Effort used
- 33 %
Indicative only. Ignores credit scoring, CIRBE, income stability, max LTV and valuation. No bank approves on this formula alone.
Method
How we estimate the ceiling
Retail banks check that total payments don’t eat too much net income. Here: max payment = income × ratio − other debts; principal comes from the French system (same as BdE) at your term and TIN.
- 02
French system
From the max payment we back out the principal that payment can support at N years and your TIN.
- 03
Affordable price
Loan + your deposit. You still need purchase costs (ITP/VAT) — use the purchase-costs calculator alongside.
Worked example
Household with €3,200 net/month, €250 other debts, 33% ratio, 30 years at 2.8% TIN and €50,000 deposit.
- Max loan
- €196,157
- Affordable price
- €246,157
- Max payment
- €806/mes
- Effort
- 33 %
FAQ capacity
What banks actually check. And what they don’t.
Why an 80% LTV isn’t a yes, what effort ratio means, and when this number misleads.
No. It’s an effort ceiling. Banks also check CIRBE, job tenure, contract type, guarantors, LTV and valuation. The real limit is often lower.
Next step
We run your case past banks. With names and FEIN.
This figure frames the conversation. The case study looks at scoring, LTV and lenders that fit your profile — not a generic ceiling.
Purchase costs →Madrid · Zaragoza · Valencia · Palma