Credit capacity calculator
Quickly estimate the monthly installment you can afford given your income and obligations. The result helps you understand a rough maximum before you start comparing bank offers. The calculation is informational and does not constitute a binding offer. Numbers use European format (e.g. 1.800 for one thousand eight hundred, 5,50 for five point five).
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Result (estimate)
Important notice (calculator limits)
This calculator estimates credit capacity based on entered income, living costs (actual costs or a normative reserve per adults/children), existing credit obligations, and the chosen DSTI limit. The result is an orientational estimate of the maximum possible monthly installment and loan amount.
Banks may use different internal models (e.g. different minimum reserves, treatment of allowances, bonuses, additional income, limits, credit cards, guarantees, collateral, credit grades, property value, age, employment type, etc.). The result is therefore not a binding offer and may differ from the bank's actual assessment.
Before deciding, always verify the conditions with the bank and, if needed, consult a professional.
Why does this matter?
- Before going to the bank, you get a more realistic picture of whether the desired installment makes sense given your income, obligations, and living costs.
- You can quickly see what most limits the loan amount (e.g. existing obligations, higher household costs, a shorter term, or a higher interest rate).