https://guide-maison-habitat.com/en/simulators/ Free calculators to estimate your borrowing capacity, monthly payments, notary fees and zero-rate loan eligibility. en-USThu, 30 Apr 2026 00:00:00 +0000 https://guide-maison-habitat.com/en/simulators/zero-rate-loan/ Thu, 30 Apr 2026 00:00:00 +0000 https://guide-maison-habitat.com/en/simulators/zero-rate-loan/ Guide Maison & Habitat editorial team Calculate your French zero-rate loan (PTZ) 2026 by zone, income, household size and property type. 2025-2027 reform integrated, official ceilings up to date. https://guide-maison-habitat.com/en/simulators/borrowing-capacity/ Thu, 30 Apr 2026 00:00:00 +0000 https://guide-maison-habitat.com/en/simulators/borrowing-capacity/ Guide Maison & Habitat editorial team Calculate your real estate borrowing capacity in 2 minutes. Free simulator based on the HCSF rule (35 % debt ratio), with deposit, co-borrower and duration.