Short answer
A calculator can provide a mathematical range, not loan approval. The key inputs are an affordable monthly budget, other obligations, down payment and transaction costs.
Important variables
- Net household income
- Fixed obligations and reserve
- Maximum payment share
- Rate, term and transaction cost
RATIOXA TOOLRun your own numbersHow much home fits? →
Worked example
If €1,500 monthly is affordable, the present-value formula converts it into a loan range. Ten percent buying cost reduces the amount that goes into the property itself.
Break-even: What changes the result?
Higher rates materially reduce the financeable amount. More down payment raises the price range but should not consume all liquidity.
Common mistakes
- Confusing lender maximum with comfort
- Not budgeting maintenance
- Assuming all costs are financeable
- Looking only at current income
Terms in this guide
Acquisition costsOne-off costs in addition to property price, such as taxes, legal work and possibly brokerage. Amount and composition depend on the case.Property sale costsCosts deducted from gross proceeds when the property is later sold.Transaction costsOne-off costs of purchase and later sale that do not build property value.
Sources & assumptions
- RATIOXA — Methodology and formulas (2026-08-17)
Continue learning
Continue with your numbers
Was this guide helpful?