Impact of Rates on Borrowing Capacity - Agence immobilière Laforêt Tournefeuille

Description

The image is a professional infographic created by a credit and insurance company, titled "Impact of Rates on Borrowing Capacity". It presents an analysis of borrowing capacity over 25 years, excluding insurance, based on monthly income and interest rates. The document is structured into several sections, each corresponding to a level of monthly income (€2,800, €3,800, €5,300, and €7,600). For each income level, three interest rates (3.5%, 4%, and 4.5%) are compared, with the corresponding borrowing capacity expressed in thousands of euros (K€). A note at the bottom of the image indicates that an increase in the interest rate from 3.5% to 4.5% reduces borrowing capacity by 10% for the same monthly payment. The design uses contrasting colors to differentiate the rates and borrowing capacities.

Extracted Text

cafpi
Credits & Insurance

Impact of Rates on Borrowing Capacity
Borrowing capacity over 25 years, excluding insurance, based on your income and the rate.

€2,800
of income per month
Monthly payment ≈ €920
3.5% 184 K€
4% 174 K€
4.5% 166 K€

€3,800
of income per month
Monthly payment ≈ €1,250
3.5% 250 K€
4% 237 K€
4.5% 225 K€

€5,300
of income per month
Monthly payment ≈ €1,750
3.5% 350 K€
4% 332 K€
4.5% 315 K€

€7,600
of income per month
Monthly payment ≈ €2,500
3.5% 500 K€
4% 474 K€
4.5% 450 K€

10% less capacity at 4.5% than at 3.5%, for the same monthly payment

Mortgage loan | Borrower insurance | Debt consolidation | Professional credit
Indicative and non-contractual simulation. Loan over 25 years at nominal rates of 3.5%, 4%, and 4.5%, excluding borrower insurance. Estimated income for a debt ratio of 35%, including insurance, with no ongoing credit, excluding secured loans and ongoing subsidized loans. Your borrowing capacity decreases with your life expectancy. No repayment of any kind can be demanded from an individual before obtaining one or more loans. For any mortgage loan, the borrower has a withdrawal period of 10 days. The purchase is subject to obtaining the loan. If it is not obtained, the seller must refund the amounts paid. CAFPI S.A.S with a capital of €11,401,000 - registered office: 111 avenue de France - Building "Newtime" - 75013 PARIS - Tel.: 01 69 15 00 00 - Email: cafpi@cafpi.fr - SIREN No. 500 302 295 - RCS PARIS - MANAGEMENT No. 2007 B 03636 - APE CODE 6619 B - ORIAS 07013913 - RCBDF No. 537 497 750 - Broker in banking and insurance operations - Member of the APIC, Professional Association of Credit Intermediaries - Find all our banking partners at www.cafpi.fr

Technical Information

• Content Type: Infographic
• Keywords: borrowing capacity, interest rate, mortgage loan, borrower insurance, monthly income, financial simulation, CAFPI, credit, infographic, financial analysis
• slug: impact-of-rates-on-borrowing-capacity