How to Actually Get Approved for a Home Loan!

Added: 2026-05-27

[00:00:00]Watch this video before applying for a mortgage at the bank. The first question you need to ask is how much you can borrow. In France, you can't borrow more than a third of your net salary.

[00:00:10]So, if you earn 1,500 euros net per month, you won't be able to pay back more than 500 euros net per month. But, be careful. In those 500 euros, you have to include the bank's interest rates and insurance. So, your borrowing capacity is actually lower than 500 euros per month. Right now, because of inflation, banks are becoming more and more reluctant to lend money. But, don't worry. I have a trick.

[00:00:31]To help you put together and defend your application, I advise you to use a mortgage broker. This person will optimize your loan application, look for the best offer for you, and most importantly, she will become your advocate to defend your project with the banks.

[00:00:46]The broker costs 1 to 2,000 euros, but she'll save you more by negotiating loan interest rates and doing everything possible to get your application approved.

[00:00:55]So, think carefully and above all,