How the estimate is worked out
French lenders must keep all your loan repayments, borrower insurance included, within 35% of your income, over a term of no more than 25 years. We start from your income, reduce non-euro income by the buffer many lenders apply for exchange rate risk, add 70% of existing rent, and take away what you already pay each month. What is left is the most a new French repayment can be.
We then work out the loan that repayment supports at the interest rate and term shown, including insurance. If your age means the loan would run past about 70, we shorten the term, because that is where the lenders we work with generally draw the line.
Finally we show the price that loan supports at the loan to value you choose, the deposit that implies and roughly 8% for purchase costs, so you can see the cash you would need.
This is an illustration, not an offer or advice. Lenders set their own criteria and work from your actual documents. Loans below about €200,000 are hard to place with lenders for non-residents.