This is a good point. In France, your mortgage monthly amount usually can't exceed 35%, and the bank takes into account any other loans you have (eg car paymen

This is a good point. In France, your mortgage monthly amount usually can't exceed 35%, and the bank takes into account any other loans you have (eg car payments). This is super annoying if you're the thrifty sort, but in the end, they're taking away a foot gun, by limiting your 'debt rate' (taux d'endettement)