1Simulator
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Comfort charge: 2.400 €Interest rate: 4,2%
2Result
AffordableAvoid
40%45%
You can afford a home around434.900 €
Target monthly payment2.400 €
Debt-to-income ratio40%
Estimated income left3.600 €
Home price434.900 €
+ Acquisition costs443 €
+ Bank and notary costs3.862 €
= Amount to finance439.205 €
- Down payment50.000 €
= Estimated mortgage389.205 €
Monthly mortgage payment2.400 €
Model and assumptions
The calculation targets a maximum total debt charge of 40% of net monthly income, with a stretched indicator at 45%. Acquisition costs are estimated by property type, the Luxembourg tax credit is applied for a primary residence and closing costs include estimated notary and banking fees. This simulation is indicative and does not replace a bank offer.