How much property can I afford

How the bank looks at it

Not at how much you want, but at how much you can pay. It takes net household income, deducts current obligations and assumes the payment can be up to a given share of what remains. That share is not fixed in law — it differs by bank and by borrower profile.

Savings are not all down payment

The most common mistake in this calculation. Transaction costs — local tax, notary, registration, commission — run at about seven percent of the price and are paid in cash; the loan does not cover them.

So the price runs into two limits at once: how much loan the income supports, and how much property the savings cover once the costs are taken out and at least fifteen percent is left as down payment. The calculator takes the lower of the two and says underneath which one is binding — that is the number worth changing.

What sits outside this number

The ceiling here is technical, not practical. It does not account for what you need to live on, for a reserve, or for the fact that you will be paying this for twenty-five years. A sensible target is usually well below the ceiling rather than at it.

Frequently asked questions

What share of income is sensible for a payment?

Banks often accept up to half of net income after other obligations, but that is a ceiling, not a recommendation. Life is easier well below it.

Why do savings not all go into the down payment?

Because transaction costs are paid in cash and are not financed by the loan. They come to around seven percent of the price.

Can two incomes be counted?

Yes, if you apply together. Enter the combined net household income and the combined obligations.

Does this guarantee approval?

No. The bank also looks at employment history, contract type, credit record and its own valuation of the property. This is a guide before the conversation, not a promise.