Calculate your Borrowing Capacity
Estimate how much you can borrow based on your income, expenses and loan conditions.
How to calculate your borrowing capacity?
Borrowing capacity determines the maximum amount you can borrow from a bank, respecting the 35% debt-to-income threshold set by the HCSF.
Why calculate your borrowing capacity?
- Know your budget before starting property visits
- Adapt your property search to your real budget
- Negotiate from a position of strength with banks
- Anticipate the impact of current expenses on your loan
- Estimate the down payment needed for your project
How is borrowing capacity calculated?
The bank applies the HCSF rule: your total payments (loan + insurance + charges) must not exceed 35% of your net income. Our simulator calculates the maximum borrowable amount considering the rate, duration and insurance.
Frequently asked questions about borrowing capacity
Everything you need to know about your property budget