How much credit is possible at 4,500 euros? (Image: Expect Best, Pexels)
A net income of 4,500 euros per month creates good conditions to finance a larger loan – be it for real estate purchase, renovation or a consumer loan.
But how much loan do you get realistically from the bank? And which factors decide whether a theoretical sum also becomes an actual promise?
We show you what is important and what credit you can count on.
Mobile finance rule of thumb
Banks use so -called multipliers for the first assessment:
| Calculation model | formula | Possible loan at € 4,500 net |
|---|---|---|
| Income × 90 | € 4,500 × 90 | 405,000 € |
| Income × 110 | € 4,500 × 110 | 495,000 € |
| Annual Netto × 10 | 54,000 € × 10 | 540,000 € |
These values ​​are considered the theoretical maximum under ideal conditions – for example in the case of debt -free budgetary situation, very good credit rating and at least 20 % equity. Realistically speaking, the actual credit amount will be lower because further influencing variables come into play.
Calculate monthly rate: What can you afford with 4,500 euros net?
It is crucial how much rate you can afford every month – and that depends heavily on your ongoing editions. The rule of thumb is:
What does that mean in numbers?
| Monthly rate | Duration (30 years) | interest rate | Possible loan |
|---|---|---|---|
| € 1,600 | 30 years | 3.5 % | approx. 430,000 € |
| € 1,600 | 30 years | 4.5 % | approx. 370,000 € |
| € 1,600 | 30 years | 5.5 % | approx. 320,000 € |
Practical example: Meier family with equity
Mr. and Ms. Meier together earn € 4,500 net and have saved € 60,000 equity. You want to buy a house and also need a loan.
The invoice could look as follows:
| position | Amount |
|---|---|
| Equity capital | 60,000 € |
| Maximum monthly rate | € 1,600 |
| Planned interest rate | 3.8 % |
| Possible loan amount | approx. 410,000 € |
| Total financing | 470,000 € |
Other influencing factors: This checks your bank when lending
In addition to the income, the following aspects count:
-
Equity capital: The more you bring yourself in, the better the conditions and the higher the bank’s willingness to credit.
-
Ongoing obligations: Credit rates, leasing contracts or maintenance obligations are deducted – which reduces the rate.
-
Creditness (e.g. Schufa score): A very good credit rating ensures better interest. Negative entries can lead to rejection.
-
Purpose of use: Real estate loans are higher because the property serves as security. In contrast, installment loans often have limits at € 50,000 to € 80,000.
Real estate loan vs. consumer credit in direct comparison
Not every loan is the same – and depending on the project, only a certain credit type is suitable.
While real estate loans finance long -term assets such as house or apartment, consumer loans are intended for short -term expenses such as car, furnishing or debtomail. The differences are not only at the loan height, but also at runtime, interest and collateral.
| Real estate loan | Consumer loan | |
|---|---|---|
| Purpose of use | Buying house, construction, renovation | Furniture, car, electronics, debt rescheduling |
| Loan | € 100,000 up to over € 1 million | usually € 5,000 to max. 80,000 € |
| Duration | 10 to 40 years | 12 to 120 months (1 to 10 years) |
| Interest rate (as of 2025) | from approx. 3.5 % to 5 % | usually 5 % to 8 %, depending on credit ratios |
| Security | Real estate serves as a deposit (land charge) | usually no collateral necessary |
| Repayment | usually 1–3 % per year | Free repayment by appointment |
| Proof of use | required (e.g. sales contract property) | often not required |
| Special repayments | mostly possible, often with limitation | often possible free of charge |
| Tax deductibility | Only in the event of renting or professional use | usually not tax deductible |
Example calculations: real estate loan and consumer loan at € 4,500 net
If you earn € 4,500 net a month, the question arises: How much credit is realistic?
And: How strongly does it burden the monthly rate in the long term? The following two scenarios show what is possible when buying real estate and in classic consumer credit.
Case 1: Real estate loan for a condominium
Goal: Buying a condominium in a good location
Total costs: 480,000 €
Equity capital: 80,000 €
Credit needs: 400,000 €
Interest rate: 3.8 % (firm for 15 years)
Repayment: 2.5 % initial style
Monthly burden:
-
Interest: 3.8 % of € 400,000 = € 15,200 annually → 1,267 €/month
-
Repayment: 2.5 % of € 400,000 = € 10,000 annually → 833 €/month
-
Overall rate: € 2,100 per month
-
Remaining budget surplus: € 4,500 – € 2,100 = € 2,400
With a budget surplus of € 2,400 after a loan rate, there is sufficient scope for reserves, lifestyle and insurance. It is important: Such a financing model only works with stable income and good credit rating. Banks also check all existing obligations.
Case 2: Consumer loan for car, kitchen or debt rescheduling
Goal: Financing a new vehicle
Credit amount: 30,000 €
Interest rate: 6.5 % effective
Duration: 72 months (6 years)
Monthly burden:
-
Monthly rate according to the repayment plan: approx. 507 €
-
Total costs (interest over 6 years): around 6,480 €
-
Total repayment: 36,480 €
-
Remaining budget surplus: € 4,500 – 507 € = 3,993 €
This credit type is significantly less burdened by them every month – they pay more interest in percentage. Especially with short terms or higher installments, it makes sense to pay attention to special repayments to reduce interest costs.
| Credit form | Monthly rate | Duration | Total expenditure | Suitable for… |
|---|---|---|---|---|
| Real estate loan | € 2,100 | 25–30 years | > 600,000 € | long -term asset formation |
| Consumer loan | 507 € | 6 years | 36,480 € | Short -term purchases |
Conclusion: What can you really afford?
With € 400,000 with € 400,000, you are ideally available to you – provided you meet all other criteria such as creditworthiness, equity and stable housekeeping. But always calculate conservatively: plan with reserve, calculate realistically – and get advice from an independent credit consultant or a consumer advice center before the conclusion of a contract.
Would you like to know how much loan you can afford? Then a specific budget – or our credit calculator helps with which you will get a rough assessment in a few minutes.