How much do you need to earn to buy new-build in 2026?
Published on June 18, 2026 · Financing
"How much do you need to earn to buy a new build?" The answer does not depend on some magic income, but on a simple calculation linked to your monthly repayment and the 35 % rule. Here is how to estimate it and how to increase your purchasing power.
The 35 % debt ratio rule
The benchmark used by banks is clear: your monthly loan repayments, insurance included, must not exceed 35 % of your net income. This threshold indirectly determines the minimum income needed to target a given monthly repayment.
From income to monthly repayment (and vice versa)
The reasoning is arithmetical. If you can devote 35 % of your income to credit, then for a targeted monthly repayment, the indicative net income corresponds to that repayment divided by 0,35.
| Targeted monthly repayment | Indicative monthly net income (35 % rule) |
|---|---|
| 700 € | approximately 2 000 € |
| 1 050 € | approximately 3 000 € |
| 1 400 € | approximately 4 000 € |
| 1 750 € | approximately 5 000 € |
These amounts are benchmarks based solely on the 35 % rule. They do not预judge the bank's approval, which also examines residual income and income stability.
The PTZ improves your purchasing power
The prêt à taux zéro (zero-rate loan), reserved for new-build main residences for first-time buyers, finances part of the purchase interest-free. As a result, for the same monthly payment, you may be able to aim for a more ambitious property, as part of the financing carries no interest.
The levers that change the calculation
Three parameters shift the income required:
- The deposit: it reduces the amount borrowed, and therefore the monthly payment.
- The term: lengthening it lowers the monthly payment but increases the total cost.
- The interest rate: it depends on the market and on your profile, and it weighs on the monthly payment.
Charges that reduce borrowing capacity
Existing loans (car, personal), certain maintenance payments and recurring charges reduce borrowing capacity. Settling or reducing them before applying can noticeably improve your application.
Simulate before you search
Before even viewing properties, a borrowing capacity simulation gives you a realistic range. This helps you avoid falling in love with a property beyond your budget and lets you target suitable programmes.
In summary
The income required comes from a calculation, not an arbitrary threshold: start from the monthly payment you can afford, apply the 35 % rule, then add the PTZ lever. For a precise figure suited to your situation, run a simulation and have a adviser validate your project.
