Maximum debt-service ratio for a home loan (HCSF)
35 percent
- In force or effective
- D-HCSF-2021-7
- Official source
-
- Haut Conseil de stabilité financière: décision D-HCSF-2021-7 (Légifrance) We read this page on .
Official wording
le taux d’effort des emprunteurs de credit immobilier n excede pas 35 %
Wording recorded from the source page. Accents and punctuation may be simplified. Source: Haut Conseil de stabilité financière: décision D-HCSF-2021-7 (Légifrance).
France Navigator, by EasyFranceNow, applies this figure to your own situation in its French Mortgage Capacity.
How to cite
EasyFranceNow, "Maximum debt-service ratio for a home loan (HCSF)", https://easyfrancenow.com/facts/hcsf-max-effort. Official source: Haut Conseil de stabilité financière: décision D-HCSF-2021-7 (Légifrance), read on 29 October 2026.
Licence: CC BY 4.0. Credit EasyFranceNow and link to this page. The quoted official wording and the official pages stay under their publishers' own terms. Information, not legal advice. Check the official source before you act.
More in Property tax and home loans
- IFI (real estate wealth tax) threshold on net taxable property1,300,000 EUR
- Maximum home loan term (HCSF)25 years
- IFI (real estate wealth tax) rate bands0.5 to 1.5 percent percent by bracket
- Property transfer tax (taxe de publicité foncière) on new builds with collection costs included0.715 percent
All official figures, by topic.