Enter your monthly income and all monthly loan payments, including the one you plan to take.
Formula
Ratio = monthly loan payments / monthly income × 100
Worked example
1,100 of payments for 3,500 of income: 31.4%.
Frequently asked questions
What ratio do lenders accept?
It varies by country and lender. In France the guideline is 35% including insurance; many US lenders look for 36% to 43%.
Which income should I use?
Use the income your lender uses; French banks use net income before tax.
Does rent count?
For a mortgage in France rent you will stop paying is not counted; check with your lender.
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Results are estimates for information only. Check important figures with a professional.