Guide 2

Calculate your borrowing capacity

Asunova / Guides / Calculate your borrowing capacity

Your borrowing capacity determines how much credit you can access based on your income. Learn how to calculate it.

Borrowing capacity is the maximum monthly payment you can afford without straining your finances. Banks use it to decide how much to lend you.

The 30% rule

As a rule of thumb, your loan payment shouldn't exceed 30% of your monthly household income. That way you keep room for your other expenses.

Calculate your capacity

Enter your household income and find out the maximum payment and loan amount you can access.

Calculate capacity

Improve your profile

Pay down credit card debt before applying for the loan.
Keep a healthy credit history.
Add provable income (ideally with a co-signer).

← Previous guide

Set your budget

Apply for your loan effectively

In this guide

Your journey

1 Set your budget

2 Calculate your borrowing capacity

3 Apply for your loan effectively

4 Subsidies: how to access them and which ones you qualify for

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Set your budget

Set your budget

Apply for your loan effectively

Apply for your loan effectively

Subsidies: how to access them and which ones you qualify for

Subsidies: how to access them and which ones you qualify for

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