Measure your financial health
With your financial simulators, you can already get an overview of your financial situation. Then we advise you to fill in our online form so that our account managers can quickly review your file.
Calculation of the debt ratio
The debt ratio represents the proportion of your monthly resources devoted to your expenses . This is an important criterion when you apply for funding as it is part of the feasibility analysis. If you apply for a home loan, your bank calculates your borrowing capacity and verifies that you are able to repay your mortgage loans.
Generally, the debt ratio should not exceed 33% .
To calculate it, it’s simple, you only need to fill in the fields corresponding to your income (wages, retirement pension) and your expenses (rent, consumer credit, alimony paid) you will be able to have a first glimpse of the feasibility of your project.
Do you exceed the 33% debt ratio? This does not necessarily mean a refusal from your bank. Indeed, a loan consolidation solution is possible. It allows you to consolidate all of your loans into one and your debt ratio decreases.
Calculate your debt Monthly resources € Rent € Type of credit Mortgage loan Loan consumption Other Remaining capital € Monthly fees.
Calculation of amortization table
You can easily simulate your depreciation schedule to find on a single document the schedule of your mortgage. It allows you to visualize the calculation of the amortization of your loan.
Simply fill in the following fields and generate the table. You can then download it on a PDF document.
Generate your depreciation schedule value of the loan € Annual interest rate % Loan duration (in months) month Number of annual deadlines 12 6 4 2 1 First deadline Generate the table