Optimize Your Loan With Your Savings and Securities Account
Planning to take out a consumer or mortgage loan, and wondering how your savings, securities account and investments can strengthen your application? Understand how banks assess your contributory capacity and how your financial assets can help you secure the right loan in 2026.
As an individual borrower, you must provide precise information and supporting documents so that the lender can grant credit responsibly. Your professional income, rental income and financial income (savings, securities account, portfolio) all play a key role in determining how much you can safely borrow.
Get your free simulation for Capacité d’Emprunt et Compte-TitresResponsible borrowing in 2026
Credit institutions are required to grant loans responsibly, based on an accurate analysis of your contributory capacity. The goal is simple: ensure that the loan does not exceed your real financial means.
Your broker’s primary mission is to inform you clearly about the amount you can borrow, taking into account all your income and recurring expenses, so that your project remains sustainable over time.
What Is My Contributory Capacity?
Your contributory capacity is the amount of financial resources you can mobilize each month to repay a loan, while still being able to honor any other existing loans and cover your ordinary living expenses (housing, food, insurance, transport, etc.). This concept determines your borrowing limit and is at the heart of any responsible lending decision.
The credit institution or credit company is legally obliged to grant you a loan responsibly. In practice, this means analyzing your income and expenses so that the proposed monthly payment does not put your budget at risk. The objective is not to lend you the maximum possible amount, but rather the amount that fits sustainably into your financial reality in 2026.
The broker’s first obligation is therefore to inform and advise you on the maximum amount you can borrow in light of all your available income. This often leads to a constructive dialogue: the broker may need to temper your expectations and draw your attention to the limits of your budget. In some cases, this may mean adapting your project, postponing certain work, reducing the loan amount, or extending the duration so that the monthly payment stays within your contributory capacity.