Maximum mortgage by income
Estimate your mortgage using 40% of net disposable income, after deducting commitments with more than 18 months remaining.
Income and mortgage details
Equity and supplementary loan
Monthly loans and commitments
No additional loans
Calculation assumptions
The financing limit and required equity depend on the selected purchase type. The remainder is covered by available own funds and the entered supplementary loan amount, if enabled. Its payment uses the entered amount, rate and term. Mortgage payment ceiling = 40% × (net income minus commitments over 18 months minus the supplementary payment). Maximum property price equals own funds plus supplementary financing plus the affordable mortgage.
The calculator assumes up to 75% financing for a first home, 70% for a replacement home and 50% for a second home. Purchase classification and property valuation are subject to bank review. A supplementary loan is not bank-approved equity: lending for equity may be restricted or prohibited depending on lender, credit source and collateral. Banks assess the source of funds and all commitments, including shorter loans. Constant-rate, non-indexed annuity payments exclude taxes, insurance and purchase costs. 40% and 10–18 years are simulation assumptions, not a promise of eligibility or approval.