French couple can secure €350,000 mortgage on €4,000 monthly income

A French household earning a net €4,000 per month can obtain a mortgage of roughly €350,000 in 2026, provided it meets banks' debt‑to‑income limits (around 35 %). With a typical monthly repayment ceiling of €1,400 and a 25‑year rate of about 3.48 %, the exact amount varies according to additional income, down‑payment, insurance costs and each lender's risk criteria.

Separately, credit‑consolidation (rachat de crédit) allows borrowers to replace multiple existing loans with a single loan, simplifying repayments. While a lower single monthly payment can improve cash‑flow, extending the loan term raises total interest costs. Prospective borrowers are advised to compare rates, total cost, and ancillary fees such as early‑repayment penalties before committing.