Borrowing capacity: why is it the first step not to be neglected?

Buying a property is often one of life's most important projects. But before you fall under the spell of a flat or house, there's one essential question to ask yourself: how much can I really borrow?

All too often, this stage is neglected or put off. And yet it is, know your borrowing capacity is the key to building a solid, realistic property project... and avoiding unpleasant surprises. That's where theatHomeFinance We offer fast, no-obligation support, designed to give all future buyers a clear picture of their budget.

Borrowing capacity: what exactly is it?

Borrowing capacity corresponds to maximum amount a buyer can borrow with a bank depending on your financial situation. In particular, it depends on :

• Your income,
• Your charges,
• The planned repayment period,
• And current interest rates.

Knowing this amount means define a realistic framework for your property projectright from the start.

Why estimate your borrowing capacity before you start looking?

Making this estimate in advance allows you to :

• Targeting the right ads and avoid wasting time on goods that are out of your budget;
• Strengthening your case with banks or sellers: a buyer who knows his borrowing capacity is considered more credible;
• Preventing disappointment There's nothing worse than falling in love with a property only to discover that it can't be financed.

atHomeFinance: a simple and effective brokerage service

atHomeFinance provides free assistance to future homebuyers in Luxembourg to help them finding the best mortgage. The role of the broker? To compare offers from partner banks, negotiate the best terms and, above all, help each customer to see their project more clearly.

The little extra a quick estimate of your borrowing capacity is possible onlinewith no obligation.

And if you want to go further, an expert can accompany you personallyuntil you sign your loan.

A first step towards a serene project

Getting an estimate of your borrowing capacity means take the time to lay the foundations for your property project. It's also a way of saving time, improving visibility and gaining peace of mind.

atHomeFinance is there to support you, advise you and help you move forward with confidence - in French, English, Italian and even Portuguese.