Two households earning exactly the same salary can today obtain a mortgage… but not necessarily for the same amount. In June 2026, with a average rate of 3.48% over 25 yearsbanks continue to finance real estate projects, while being more demanding. So, with €2,000, €3,000, €4,000 or €6,000 of monthly income, how much can you really borrow? The answers sometimes vary more than you might imagine.
Salary is now just one element among others. Personal contribution, current credits, professional stability or even the remainder of life directly influence the banks’ decision. According to Romain Séret, broker at Aeconomia interviewed by Capitalthe choice of establishment can also make a difference. Some regional banks offer more favorable conditions than certain large national networks, allowing in some cases to borrow several thousand additional euros
With €2,000, €3,000, €4,000 or €6,000 of income, how much can you borrow?
For financing on 25 years old, Romain Séretbroker at A Economyestimates that a household with a standard file can borrow approximately 125,000 euros with 2,000 euros monthly net income, 178,000 euros with 3,000 euros, 238,000 euros with 4,000 euros and until 356,000 euros with 6,000 euros. These amounts may vary depending on personal contribution, current expenses, professional situation and the establishment requested.
Furthermore, these estimates correspond to funding obtained from regional banksparticularly in Center-Val de Loirewhere Romain Séret works. Some regional funds have greater latitude to adapt their scales to their local market. They can thus offer more competitive rates than certain national networks. “In my region, we are approximately 3.30% over 25 years. In Paris, we tend to revolve around 3.60% to 3.70% »explains the broker. According to him, this difference of 0.20 to 0.30 points can represent between 5,000 and 10,000 euros of additional borrowing capacity on the same project.
Nothing prohibits you from contacting a bank outside your region
The credit expert also claims to regularly finance Ile-de-France residents via banks in its region for acquisitions made in Île-de-France. Nothing prohibits you from contacting a regional bank outside your region of residence or purchase.
In practice, however, these establishments often favor their local clients or borrowers who agree to open an account there and domicile their income there. Some nevertheless accept files from outside the sector, particularly when they are presented by a broker and prepared sufficiently in advance.
Salary is no longer enough to convince banks
Income remains an essential criterion, but it is now far from being the only one. Banks examine in particular consumer creditsthe LOAs, the remains to liveL’personal contributionthere professional stability and maintaining accounts. THE cost of borrower insurancewhich is added to the interest on the loan, can also reduce borrowing capacity. “Consumer credits are a real stone in the sand: they directly reduce borrowing capacity”he warns.
The 35% debt threshold, set by the recommendations of the High Financial Stability Council (HCSF)remains the rule. But banks are attaching increasing importance to remains to liveparticularly for families or self-employed borrowers. Conversely, a high income offers no guarantees. “A more comfortable income does not necessarily guarantee an agreement. Banks also look at remaining life, professional stability and the quality of account management”underlines the broker.
Prepare your file before even looking for a property
To increase your chances of obtaining financing, Romain Séret recommends anticipating your project several months before signing a sales agreement, limiting consumer credit as much as possible and comparing several establishments.
According to him, not all establishments apply the same financing conditions. Soliciting several banks, directly or through a broker, can thus make it possible to obtain a more advantageous offer, particularly from certain regional banks.
Preparing the file, choosing the banking institution and managing your personal finances can thus save several thousand euros in borrowing capacity. As Romain Séret summarizes: “In 2026, the subject is no longer just the rate obtained, it is above all the overall coherence of the file, its banking presentation and the ability to reassure the bank. »
