Borrowing Capacity Simulator
Calculate your mortgage borrowing capacity for free. Estimate the maximum amount you can borrow based on your income, expenses and desired duration.
Your income and expenses
Enter your income to find out your budget
Borrowing capacity
204 745 €
over 25 years
Max monthly payment
1 025 €
Debt ratio
35.0 %
Maximum 35%
Total budget
234 745 €
Notary fees (~8%)
18 780 €
Budget composition
Estimated notary fees deducted (~8%)
In the Timint app, simulate your borrowing capacity based on your real income tracked daily. The app integrates your property projects and tracks your down payment in real time.
Timint Smart Tips
AIWarning: your debt ratio exceeds 33%. Banks generally refuse loans above 35%. Reduce your expenses or increase your income.
Over 25 years, every 0.1% rate reduction represents thousands in savings. Shop around for the best offer.
Tip: get at least 3 offers from different banks. The rate difference between the best and worst offer can reach 0.5%.
In the Timint app: get personalized real-time advice with our financial AI, based on your complete profile and goals.
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