Maximum Purchase Budget Calculator - Family
Calculate your maximum car budget based on your income, expenses and borrowing capacity.
💳 AUTO FINANCING: Monthly payments and credit costs shown are ESTIMATES based on average market rates. The actual APR depends on your profile (income, down payment, credit history), the lender, and current conditions. These calculations do NOT constitute a credit offer. For financing, contact multiple lenders and compare PERSONALIZED offers. Credit is a commitment and must be repaid.
Frequently Asked Questions
What's the maximum debt ratio for a car loan?
The recommended debt ratio is maximum 33% of your net income. Beyond that, banks consider the risk too high.
How to calculate car borrowing capacity?
Capacity = (Income × 33% - Current expenses) × Borrowing coefficient based on duration and rate. The longer the term, the more you can borrow.
Should bonuses be included in income calculation?
Banks consider regular income: fixed salary at 100%, recurring bonuses at 50-70%, rental income at 70%.
What's the ideal down payment to maximize budget?
A down payment of 20-30% is ideal: it reduces the borrowed amount, improves rate conditions and shows your savings ability.
Car budget and disposable income: what balance?
Keep sufficient disposable income after repayment: minimum €400/person for daily expenses and emergencies.