What salary do you need to borrow 200,000 euros?
To borrow 200,000 € over 20 years at a rate of around 3.5%, aim for a monthly payment of about 1,160 €, i.e. a net income of around 3,300 € per month (the 35% rule). Over 25 years, the payment drops to about 1,000 €, for an income of around 2,900 €.
The reasoning in two steps
Step 1: the monthly payment depends on the amount borrowed, the term and the rate. Step 2: the required salary follows from the 35% debt-to-income rule (payment ≤ 35% of net income), insurance included.
The required salary therefore varies mainly with the loan term: the longer it is, the lower the payment (and the salary), but the higher the total cost of the loan.
Estimate for 200,000 € borrowed
Indicative estimate for 200,000 € (excluding insurance, rate ~3.5%), to be refined with the actual current rate: over 15 years, a payment of about 1,430 € requires a net income of about 4,080 €; over 20 years, about 1,160 € requires about 3,320 €; over 25 years, about 1,000 € requires about 2,860 €.
| Term | Approx. instalment | Net income required (35%) |
|---|---|---|
| 15 years | ~1,430 € | ~4,080 € |
| 20 years | ~1,160 € | ~3,320 € |
| 25 years | ~1,000 € | ~2,860 € |
Indicative estimate for 200,000 € borrowed (insurance excluded, rate around 3.5%). Refine with the rate actually quoted to you.
What makes the required salary vary
- The interest rate: the higher it is, the higher the payment (and the required salary).
- Borrower's insurance: included in the 35%, it reduces borrowing capacity.
- Other outstanding loans: they add to your debt burden.
- The down payment: a down payment covering at least the notary fees reassures the bank and improves the terms.
Frequently asked questions
Can you borrow 200,000 € without a down payment?
It is possible (110% financing), but reserved for solid profiles. Most banks require a down payment covering at least the notary fees (around 7 to 8% for existing property).
As a couple, what income to borrow 200,000 €?
The two borrowers' incomes are added together. A couple with 3,300 € combined net income can aim for 200,000 € over 20 years, depending on the rate and the absence of other loans.
Does the amount change depending on the bank?
Yes: the rate offered, the insurance and the risk policy vary from one bank to another. Comparing (or using a broker) can significantly increase the amount you can finance.
Read next
- Règle HCSF (taux d'effort 35 %)
- Service-Public.fr, crédit immobilier
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