Slovenia mortgage affordability calculator 2026
Enter your net income, number of children and existing commitments to see the maximum mortgage under the Bank of Slovenia limits.
Maximum loan amount: €235,378.93
Maximum monthly payment: €1,000.00
| Limiting factor | |
|---|---|
| DSTI (payment / income) | €235,378.93 |
| Amount left after payments | €295,400.55 |
| Maximum loan amount | €235,378.93 |
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 | €173,446.02 |
| €1,700.00 | €200,072.09 |
| €2,000.00 | €235,378.93 |
| €2,500.00 | €294,223.66 |
| €3,500.00 | €411,913.12 |
| €5,000.00 | €588,447.32 |
Frequently asked questions
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.
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Last updated: 18 July 2026