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Borrowing Capacity Calculator

Enter the maximum monthly payment you can afford, the interest rate, and loan duration to instantly discover your maximum loan amount. Add a down payment to see your total real estate budget. This is the reverse of a loan calculator — you know what you can pay monthly and want to know how much you can borrow.

Frequently Asked Questions

Most banks apply a maximum debt ratio of 33–35% of net income. This means your total monthly loan payments should not exceed one-third of your net monthly salary.

No — this calculator shows the maximum loan + down payment. In France, add ~7–8% for notary fees (ancien) or ~3% (neuf). In Morocco, add ~6–7% for notary and registration fees. Always budget for additional purchase costs.

How this calculator works

Formula explanation

**Formula (reverse amortization):** Max Loan = M × [(1 − (1+r)^−n) / r] | Where M = monthly payment, r = monthly rate (annual/12), n = total months | Total budget = Max Loan + Down Payment.