Tenant solvency calculator

How to assess a tenant's solvency?

Solvency measures a tenant's ability to pay the rent relative to their income. There is no single legal threshold: in practice, agencies, landlords and rent-guarantee insurers most often require income equal to 2.7 to 3 times the rent including charges.

The income-to-rent ratio

Ratio = monthly net income / rent including charges

Example: for €2,700 of income and €900 of rent, the ratio is 3: the tenant earns 3 times the rent.

The effort rate

Effort rate = rent including charges / monthly net income × 100

Example: 900 / 2,700 × 100 = 33.33%. An effort rate of no more than about 33% is generally considered reasonable.

How to read the result

Commonly used benchmarks:

• Very strong file: income ≥ 3× the rent;
• Acceptable file: income between 2.7× and 3× the rent;
• Fragile file: income < 2.7× the rent.

These criteria are indicative and configurable: the type of contract (permanent, fixed-term, self-employed, etc.) and the presence of a guarantor are also taken into account when reviewing an application.