What criteria do banks analyse for a mortgage?

Banks in 2025 pay close attention to your financial situation before approving a mortgage in Massy, Palaiseau, or Chilly-Mazarin. Careful review of your income, debt ratio, account conduct, and property energy efficiency is now standard.

"A solid application—featuring job stability, a substantial down payment, and well-managed finances—is key to getting the green light on your loan."

Detailed focus on applicant profile

Banks favor borrowers with permanent employment contracts or public service positions, showing consistent income over time. Self-employed or contract workers should demonstrate steady earnings over several years to be eligible.

The 35% debt ratio rule remains fundamental; that means all debts, including the new mortgage, must not exceed 35% of your net monthly income. A strong income can sometimes warrant a case-by-case exception, but it’s never guaranteed.

Down payment and transparency

Your personal contribution, ideally 10–20% of the total price, reassures the bank and covers fees. If your contribution is modest, emphasize the strength of your income and savings for a better evaluation.

Always provide documented proof of your savings: bank statements, asset sales, or family gifts, as required.

Account management and reliability

Recent bank statements should reflect sound management, absence of overdrafts, and a healthy leftover balance after the transaction. The more reassuring these details, the greater your chances.

Green credentials on the rise

Energy performance is increasingly part of the evaluation, influencing loan conditions if the property is rated E, F, or G. Renovations may be requested before lending approval for poorly rated homes.

Borrower insurance

Lender insurance is a must, with rates changing depending on age and health. Comparing offers can lead to savings, so don’t hesitate to shop around.

Nicolas Immobilier’s expert advice

At Nicolas Immobilier—thanks to 1,400 satisfied clients and thorough local expertise—we know how to shape ideal files, advise on the best lenders, and facilitate your success at every step. Our unique market knowledge and responsive service set us apart.

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Nicolas Benoit, Director, Nicolas Immobilier. Over 1,400 clients bear witness to his professionalism and expertise in the Massy area.

key topics:

• mortgage
• banking checks
• appraisal
• price per m2
• Massy