Slovenia mortgage affordability calculator 2026
On €2,000 net income a month, the Bank of Slovenia limits (50% DSTI) let you borrow roughly €232,700.53 over 30 years (max. payment €1,000). Enter your net income, number of children and existing commitments to see the exact maximum mortgage.
Want to work out the monthly payment? Mortgage calculator – Slovenia
Maximum loan amount: €231,231.59
Maximum monthly payment: €1,000.00
| Limiting factor | |
|---|---|
| DSTI (payment / income) | €231,231.59 |
| Amount left after payments | €290,195.64 |
| Maximum loan amount | €231,231.59 |
This calculation is indicative and based on the binding Bank of Slovenia limits in force for 2026 (50% DSTI, €745 minimum leftover + €286.08/child). Banks may apply stricter internal criteria.
How the Bank of Slovenia calculates the maximum mortgage
Since 1 July 2023 the Bank of Slovenia (BSI) has set two simultaneously binding limits — the bank applies whichever is stricter. The first is DSTI: total loan payments cannot exceed 50% of net income.
The second is the minimum creditworthiness rule (minimum leftover): after all payments, the borrower must retain at least €745 per month for 2026 (unchanged since 2023, independent of the minimum wage), plus €286.08 per dependent child.
LTV is only a recommendation (non-binding): 80% of property value for a primary residence, 70% for other properties.
Examples: net monthly income → max. loan (single, no commitments, 30 years)
| Net monthly income | Max. loan amount |
|---|---|
| €1,481.88 | €170,389.93 |
| €1,700.00 | €196,546.85 |
| €2,000.00 | €231,231.59 |
| €2,500.00 | €289,039.48 |
| €3,500.00 | €404,655.28 |
| €5,000.00 | €578,078.97 |
Frequently asked questions
How much can I borrow on €1,481.88 income a month (minimum wage)?
For a single applicant with no children or other commitments, a 3.15% rate and a 30-year term, the maximum mortgage is €171,472.37. It's limited by the €745/month minimum-leftover rule, not the DSTI branch (max. payment €736.88).
How much can I borrow on €1,700 income a month?
For a single applicant with no children or other commitments, a 3.15% rate and a 30-year term, the maximum mortgage is €197,795.45 at 50% DSTI (max. payment €850).
How much can I borrow on €2,500 income a month?
For a single applicant with no children or other commitments, a 3.15% rate and a 30-year term, the maximum mortgage is €290,875.66 at 50% DSTI (max. payment €1,250).
What binding limits apply to mortgages in Slovenia?
Two simultaneously binding ones: DSTI of at most 50% of net income, and a minimum leftover after payments of at least €745/month (+ €286.08 per child) for 2026.
Is the minimum leftover tied to the minimum wage?
No — it's a fixed amount (€745 for 2026) set directly by the Bank of Slovenia, independent of the minimum wage.
How much does a child add to the minimum leftover?
€286.08 per child (split between both parents if both support the child; €373.36 for a single parent).
Is LTV a binding limit in Slovenia?
No, it's just a recommendation: 80% for a primary residence, 70% for other properties.
Why does the bank offer less than the calculator shows?
Banks may apply stricter internal creditworthiness criteria on top of the binding BSI limits.
Related tools
Last updated: 18 July 2026