How much loan do I get at € 6,000 net a month? (Image: Pixabay, Pexels)
With a monthly net income of 6,000 euros, you are generally open to very high credit amounts.
But how much you can really afford – and how much a bank in the end – depends on several factors: How high is your monthly load limit? Are there any existing debts? And what about your creditworthiness?
How do banks calculate your possible loan amount?
The simplest rule of thumb: banks often expect 80 to 110 times their monthly net income. At 6,000 euros net, there is a corridor between 480,000 euros and 660,000 euros.
But that’s only half the truth. The realistic loan amount primarily depends on how much you can afford every month – how high your maximum rate can be. Most banks set 35 to 40 % of their net income as an upper limit.
At 6,000 euros that would be:
| Share of income | Monthly rate | Possible credit amount (25 years, 3.8 % interest) |
|---|---|---|
| 35 % | € 2,100 | approx. 435,000 € |
| 40 % | € 2,400 | approx. 496,000 € |
Real estate loan: There is so much with 6,000 euros net a month
If you want to finance a house or apartment, the stored property is possible as security as security.
Here the interest in particular decides on the maximum loan amount:
| interest rate | Monthly rate | Duration | Possible credit amount |
|---|---|---|---|
| 3.0 % | € 2,400 | 30 years | approx. 605,000 € |
| 4.0 % | € 2,400 | 25 years | approx. 456,000 € |
| 5.0 % | € 2,400 | 25 years | approx. 393,000 € |
If you bring in equity – for example 10 % or 20 % – these values increase accordingly.
Consumer loan with 6,000 euros net a month: fast, but significantly smaller
The situation is different for installment loans for consumption purposes – for example for a car, furniture or a vacation.
These are usually not secured and therefore more risky for the bank. The result: the sums are smaller, the interest rates are higher.
| Loan | Duration | interest rate | Monthly rate |
|---|---|---|---|
| 30,000 € | 60 months | 6.5 % | approx. 590 € |
| 50,000 € | 84 months | 7.2 % | approx. 760 € |
| 75,000 € | 120 months | 9.0 % | approx. 950 € |
With a net income of 6,000 euros, this remains sustainable – but the difference to Mortgage is clear.
With 6,000 euros net a month – with good credit rating and sufficient equity – loans between 450,000 and 700,000 euros are realistic. For consumer loans, the sums are more than 20,000 and 75,000 euros. The crucial size always remains your monthly rate.
Plan conservatively – and compare offers in peace.
What factors have an impact on my loan height?
If you earn 6,000 euros net per month, the question often arises: How much loan do I get with it – and what does it depend on?
The answer: it is not just about your income. Banks look at their entire financial situation. Only then do you decide how much you can really afford. We are now explaining the most important factors that influence your possible loan height.
Your freely available income
What matters is not only how much money comes in – but how much left after all expenses. Banks calculate like this:
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Fixed costs such as rent, insurance or maintenance are deducted
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Only part of the remaining money may be used for a credit rate – usually 35 to 40 % of the net income
Example calculation:
| Description | Amount |
|---|---|
| Net income | 6,000 € |
| Rent & fixed costs (approx.) | –1,200 € |
| Free income | 4,800 € |
| Max. Rate (40 %) | ≈1,920 € |
With € 1,920 per month, depending on the interest and term, you can finance a loan between approx. € 300,000 and € 460,000.
Equity capital
The more money you bring in yourself, the better your chances of a loan – and the more money you can borrow.
| Equity capital | Evaluation by banks |
|---|---|
| 0 € | Higher risk → often more expensive conditions |
| 10 % of the purchase price | Standard → solid basis for lending |
| 20 % or more | Low risk → better interest possible |
Without equity, financing is not excluded – but more expensive and associated with more requirements.
Your creditworthiness / Schufa score
The bank checks its creditworthiness. You want to know: Can you repay reliably?
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Good Schufa (over 95) = more loan, better interest rates
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Bad Schufa = less credit, higher interest or rejection
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Important: no ongoing debts, stable employment, clean account management
A stable job, preferably unlimited, is a big plus. With the self -employed, it gets a little more complicated – here, tax notices, proof of income and the duration of the activity count here.
Credit type: What do you want to finance?
The intended use influences the amount of the loan:
| Loan | Credit amount (realistic) | Specialty |
|---|---|---|
| Real estate loan | 300,000 € to € 460,000 possible | Real estate serves as security |
| Installment loan | mostly up to 50,000 € | Uncertain, therefore lower sums |
| Car loan | approx. 10,000 € to € 50,000 | Car as security, often better interest rates |
There are higher sums in real estate loans because the house or apartment is stored as a deposit. Consumer loans usually run without security – so there is less money.
The lower the interest rate, the more loan you can afford – with the same rate. The term also plays a role: longer term = lower rate, but more interest in total.
Example at € 1,000 monthly rate:
| interest rate | Duration | Possible loan amount |
|---|---|---|
| 3.5 % | 30 years | approx. 240,000 € |
| 4.5 % | 25 years | approx. 210,000 € |
| 5.5 % | 20 years | approx. 180,000 € |
A solid loan can be financed with 6,000 euros net – especially if you have little fixed costs and there is no running loan in the background.
It gets a little more difficult without equity, but not impossible. If you have a good credit rating, have a stable life situation and have your finances under control, you can easily sum between 6,000 € net 180,000 € and € 250,000 Finance – depending on the interest and type of loan.