How much mortgage can the bank give me?

There is no fixed figure: banks check that the payment, added to your other payments, does not exceed roughly 30-35% of net income, and they assess job stability, credit history and the value of the property (normally financing is up to 80%).

What matters besides income?

Type of contract, length of employment, other debts, age at the end of the mortgage, any guarantors and the appraisal of the home. Even a small existing payment reduces your borrowing capacity.

How can I increase the mortgage I can get?

By lengthening the term (the payment goes down), reducing other debts, adding a co-borrower with income, or increasing the down payment. Watch the total cost of interest.

Is this result a mortgage approval?

No: it is an estimate to guide your search. Only the bank, after its checks and appraisal, can confirm the amount it will lend.

Victor & Co Real Estate

How much mortgage can I get?

Enter your income, existing instalments and savings: we calculate the affordable payment, the maximum mortgage and the home price you can look for.

Net monthly income (household)

€/m

Monthly net salaries of everyone on the mortgage.

Other monthly payments

€/m

Loans, financing, instalment cards, rent you will keep paying.

Savings available

€

For the down payment and purchase costs.

Term25 years

Maximum share of income for the payment35%

I am under 36 (public first-home guarantee)If you meet the requirements (e.g. ISEE, the Italian household economic indicator), the State can guarantee high shares: financing of up to 100% is possible. Check the current extension with the bank.

Maximum home price

€150,943

Limited by the savings available for the down payment

Maximum mortgage

€120,755

Affordable payment

€770.00

TAN 3.70%

Down payment

€30,189

Maximum price if rates change

TAN 2.70%	€150,943
TAN 3.70%	€150,943
TAN 4.70%	€150,943
TAN 5.70%	€150,943

Informational tool: results are estimates and do not constitute an offer, financial advice or credit brokerage. Actual rates, spreads and taxes depend on the bank, the notary and your situation: check them before deciding.

The 35% rule

As a reference, the total payment should not exceed about a third of net income. This leaves you room for household expenses and for possible rate rises.

Down payment and purchase costs

On top of the down payment you need taxes, the notary, any agency fee and bank fees: for a first home they are often 5-7% of the price, more for a second home.

Before making an offer

Ask your bank for a pre-assessment and keep a margin: if rates rise, the payment on a variable rate goes up. Then look for properties within the maximum price shown.

Frequently asked questions

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