Module 18 min902 wordsFree — no account
35 % of your income, and not a point more
Dated official sources, and the contents this module links to · 1 section
Official sources
- Légifrance — Decision of the High Council for Financial Stability on the conditions for granting mortgage credit, of 29 September 2021, applicable from 1 January 2022: the debt burden of mortgage borrowers must not exceed 35 % and the maturity of the loan must not exceed twenty-five years, raised to twenty-seven years where entry into the property is deferred for a new build, a sale before completion or works representing at least 25 % of the total cost, the amortisation period remaining capped at twenty-five years; quarterly flexibility margin of 20 % of lending, of which 80 % is reserved for the purchase of a main residence and at least 30 % of that share for first-time buyers — verified on September 8, 2026
- Légifrance — Consumer code, article L. 314-6: a usurious loan is any conventional loan granted at an annual percentage rate which exceeds, at the time it is granted, by more than one third the average effective rate applied during the preceding quarter by credit institutions for transactions of the same kind carrying similar risks; version in force since 1 July 2016 — verified on September 8, 2026
Every figure and its source
Every figure in this module anchored to a fiscal constant, with the official page that establishes it.
- Maximum debt burden — 35 %
legifrance.gouv.fr · 2026 rules
Contents linked from this module
- Borrowing capacity calculator
Turn a net income into a maximum monthly payment and borrowable capital.
Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.