Question 1

How much can I borrow with 1 200 € per month?

Accepted Answer

With a monthly payment of 1 200 €, you can borrow approximately 164 705 € over 15 years, 200 646 € over 20 years or 229 178 € over 25 years (at current market rates, insurance included).

Question 2

What salary is needed for a 1 200 €/month payment?

Accepted Answer

For a monthly payment of 1 200 € while respecting the maximum debt-to-income ratio of 35%, you need a monthly net salary of at least 3 429 €.

Question 3

Is it better to borrow over 15, 20 or 25 years?

Accepted Answer

Over 15 years, you borrow less but pay much less interest. Over 25 years, you borrow more but the total cost is higher. 20 years is often the best compromise.

Question 4

How to increase borrowing capacity?

Accepted Answer

You can increase your borrowing capacity by extending the duration, negotiating a better rate, reducing existing debts or increasing your down payment.

Question 5

Is mortgage insurance included in the calculation?

Accepted Answer

Yes, our calculations include mortgage insurance at the average market rate (0.34%). You can reduce this cost by opting for delegated insurance.

Duration	Rate	Borrowing capacity	Total credit cost	Total repaid
15 years	3.2 %	164 705 €	51 296 €	216 000 €
20 yearsBest cost/duration ratio	3.3 %	200 646 €	87 354 €	288 000 €
25 years	3.4 %	229 178 €	130 821 €	359 997 €

How much to borrow with 1 200 € per month

Borrowing capacity by duration

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