Financing · HCSF 35% rule
2026 borrowing capacity: what budget for your new-build purchase?
Calculate your maximum monthly payment using the HCSF 35% rule, your borrowing capacity, the cost of your loan and the housing budget actually available. Instant result, no registration required.
Your income and your project
Housing budget244 741 €Maximum monthly payment1 225 €/moisDetailsNet salaries + stable income, before tax.
Car, consumer credit, other loans. 0 if none.
Adjustable assumption, excluding insurance. Benchmark: 3,35 % on average over 25 years at August 2026 (Observatoire Crédit Logement/CSA, recorded on October 17, 2026).
Savings available for the project.
27 years is reserved for purchases of new off-plan homes (VEFA), with deferred repayment.
244 741 €
Maximum monthly payment 1 225 €/monthHow this budget is built
Your purchase budget
244 741 €
- Borrowing capacity
- 230 860 €
- plusDeposit
- 20 000 €
- moinsEstimated notary fees (2,5 % of the price, new build)
- 6 119 €
- equalHousing budget
- 244 741 €
Debt ratio
35 %
- Current loans
- 0 %
- New loan
- 35 %
The Haut Conseil de stabilité financière caps all your loans at 35 % of your net income, insurance included. This calculation uses the full limit; a lower monthly payment leaves you more disposable income.
Your monthly payment in the first year
1 225 €/month
- Capital repaid (average)
- 490 €
- Interest (average)
- 666 €
- Borrower insurance
- 69 €
In the first year, you mainly repay interest. Its share then falls each month in favour of capital.
Total cost of credit
136 639 €
- Borrowed capital
- 230 860 €
- plusInterest over 25 years
- 115 862 €
- plusInsurance over 25 years
- 20 777 €
- equalTotal repaid
- 367 499 €
Assumptions: interest rate of 3,5 % excluding insurance (adjustable), borrower insurance 0,36 % per year of the borrowed capital, new-build notary fees 2,5 % of the price. Excluding guarantee and arrangement fees.
Indicative estimate, not contractual. This does not constitute a credit offer. Speak with a JL HOME adviser for a personalised assessment.
Frequently asked questions about borrowing capacity
How is borrowing capacity calculated in 2026?
Your borrowing capacity is based on your maximum monthly repayment, capped by the HCSF rule at 35% of your net income, insurance included, after deducting your existing loans. This monthly repayment is converted into borrowable capital according to the interest rate and the loan term.
What is the HCSF 35% rule?
Since 1 January 2022, the Haut Conseil de stabilité financière standard binds banks: a household's debt ratio must not exceed 35% of its net income, including borrower insurance, over 25 years at most. Banks may deviate from this for 20% of their new loans, primarily for the purchase of a main residence. This simulation applies the 35% limit.
Can you borrow over 27 years on a new-build?
Yes, buying off-plan new build (VEFA) allows the loan term to be extended up to 27 years thanks to deferred repayment during construction, which increases borrowing capacity compared with 25 years.
How is the total cost of credit calculated?
It adds up the interest paid over the full term of the loan and the borrower insurance, estimated here at 0.36% a year of the sum borrowed. The actual insurance rate depends on your age, your health and the policy chosen. Guarantee and arrangement fees are added to this and are not included.
Is the displayed housing budget final?
No. This is an indicative, non-contractual estimate that does not constitute a loan offer. Your bank sets the amount based on your full profile, your deposit and your residual income (reste à vivre); your JL HOME adviser helps you prepare your purchase budget in advance.
