The borrower’s borrowing capacity corresponds to the amount that he can devote each month to the repayment of his loan, taking into account his income (wages, retirement pensions, property income, interest on financial investments, etc.). It may be necessary to add monthly payments related to other outstanding debts.

But the bank also considers the rest to live, which represents the sum available to the household once the current fixed expenses deducted: food, electricity, transport, telephone, taxes … If it is not enough to cover these incompressible charges, the loan is refused. The minimum is determined by the place of residence (because of the cost of living) and the composition of the home.