A new mortgage simulation can provide a quick estimate, but is it really reliable when deciding on your project? In 2025, nearly 40% of first-time buyers believe that a simulation is sufficient to validate their purchase, without taking into account the specificities of new properties, such as additional costs or zero-interest loans (PTZ). However, a simulation does not cover all financing criteria, in particular the debt ratio and the impact of borrower insurance on the total cost. Without this information, you could underestimate the true cost of your real estate project. This text will clarify when a new mortgage simulation is useful and when it could be misleading, providing you with the keys to assess whether your project is truly feasible.
 

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