Borrowing Power Calculator
Section 1: Income
€
Gross annual employment income before tax.
€
Partner income is weighted conservatively in the engine.
👤
Income weighting changes by contract type.
👥
Used only if partner income is entered.
€
Use consistent bonus only, not one-off compensation.
%
Choose the share of bonus income to count.
↕
Linear gives a higher starting monthly burden.
yrs
Used for toetsrente treatment.
Section 2: Committed monthly outgoings
€
Use the actual DUO monthly repayment where known.
€
Monthly lease or finance obligation.
€
Monthly maintenance commitments.
€
Credit cards, personal loans, buy-now-pay-later, or other fixed debt service.
Balanced
Affects internal comfort assumptions
FrugalBalancedComfort
Higher lifestyle assumptions reduce capacity in conservative and standard modes.
Section 3: Property and mortgage settings
€
Optional LTV and buying-cost estimate anchor.
%
Nominal mortgage rate entered by the user.
yrs
Default 30 years.
NHG
Applies NHG borrowing cap and fee logic.
🏡
Used for transfer-tax estimate.
yrs
Used only for starter exemption estimate.