How many properties can I afford?

That really depends on your equity, the size of the mortgage you want, your credit score, and the bank. But there is a way to get a rough estimate.

 

The answer in a nutshell: The size of the loan you can take out for a property is between 100 and 140 times your net household income. For example, if you have a net income of 2,000 euros, a real estate loan of between 200,000 and 280,000 euros is realistic. Depending on how much equity you still have available, you can already roughly estimate your budget.

But of course, there are other factors that influence this value. The bank you choose will decide how much you'll ultimately receive as a loan. A financial statement of your household's expenses and income will give the bank more insight into your financial situation. Real estate that you may already own that provides cash flow expands your options. Expensive consumer loans give you less wiggle room.

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