Overview
Your purchasing power at a glance
Total Purchasing Power
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Bank Loan
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25 yrs
PTZ (0%)
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Zero interest
Apport
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Net of charges
Monthly Cost Breakdown
Comfortable target — edit in Mortgage tab
Bank EMI
goes toward mortgage repayment
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Mortgage insurance
assurance emprunteur — counts in 35% DTI
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Property charges
charges copropriete — not in DTI
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Taxe fonciere
monthly equivalent — not in DTI
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Total monthly housing cost
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What-if scenarios — toggle to see impact
PTZ (zero-interest loan)
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Apport from PEE + PERCO
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Action Logement loan
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Net Budget After Notary Fees
New build Recommended
Frais de notaire ~2.5%
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Old property
Frais de notaire ~7.5%
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My Profile
Edit your numbers — everything updates on Recalculate
Income
€
€
€
Savings — PEE & PERCO
€
€
€
%
Purchase Settings
€
€
Monthly Housing Costs
These are deducted from your total monthly budget to find how much is left for the bank EMI. Charges and taxe fonciere do NOT count toward the French 35% debt-ratio cap.
€/mo
€/mo
€/yr
Mortgage Capacity
France's 35% debt cap (taux d'endettement) applied to your income
Max EMI Allowed (35% cap minus insurance)
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Regulatory ceiling
Total Monthly Housing Budget (all-in)
€
= 25% of gross monthly
EMI = total minus insurance, charges & taxe
Scenarios at Your Target (25 years)
By Loan Term at Market Rate
Affordability Check
Payment Breakdown — How your budget is split
PTZ & Subsidised Loans
Zero- and low-interest government support
Your PTZ Amount
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at 0% interest
Interest Saved vs Market
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over 25 years
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Income Tranches — Zone A
PTZ Zones Explained
Zone B2 — smaller towns
Zone B1 — outer suburbs & large cities
Zone A — Ile-de-France
A bis
Paris
Paris
Key communes & their zones
ℹ️
Zone affects your income ceiling and PTZ quota (% of project financed at 0%). Since April 2025, ALL zones are eligible for new builds until Dec 31, 2027.
Action Logement
Budget Plan
Where every euro comes from
Total Purchasing Power
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before notary fees
Breakdown
Apport (PEE + PERCO)
Net Property Budget After Fees
New vs Old
Financial impact for your exact budget
Our Verdict
New Build (VEFA) is the stronger choice
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🏗️ New Build (VEFA)
🏘️ Old Property
Scorecard
Purchase Process
Step-by-step from pre-approval to keys
Glossary
Every French term explained
Ask a Question
Get answers about French property buying based on your profile
Smart FAQ · answers use your profile data
💬 20 questions today
Quick questions:
How much PTZ?
Frais de notaire?
VEFA duration?
Unlock PEE/PERCO?
Expats buying?
Taux d'endettement?
What is a courtier?
All costs?
Answers based on French property rules as of 2026 and your profile. For legal/financial decisions, consult a notaire or courtier.