1. Identification Employer: PAYLEAD, Bordeaux, France Employee: Lucas Pauzies — Data Engineer, Cadre status (Ingénieurs et Cadres, position 170, coeff. 3.1) Convention collective: SYNTEC (engineering/consulting firms) Contract: Permanent (CDI), started 04/09/2023 — 2 yrs 11 months seniority, 218-day annual package (forfait jours) Currency: EUR Pay period: August 2026 (01/08 – 31/08/2026) 2. Gross amount extraction Item Amount Base salary €5,329.50 Bonuses ("primes") €0.00 Benefits in kind none listed Total gross €5,329.50 3. Breakdown of contributions and deductions Health Assurance maladie (basic health insurance, employer-only): €373.07 Complément d'assurance maladie (supplementary employer health funding): €319.77 Mutuelle (private complementary health cover, 2.11%): €84.51 employee / €84.51 employer Prévoyance Tranche A/B (death & disability provident cover): €0 + €7.42 employee / €66.48 + €7.42 employer Accidents du travail (workplace accident insurance, employer-only): €37.31 Retirement Sécurité sociale plafonnée/déplafonnée (basic state pension, capped & uncapped, 6.90%/0.40%): €297.67 employee / €454.88 employer Complémentaire Tranche 1/2 (Agirc-Arrco supplementary pension): €289.34 employee / €433.68 employer Contribution d'Équilibre Technique (Agirc-Arrco system balancing contribution): €7.46 employee / €11.19 employer Family Base + Complément (family benefits, employer-only): €279.80 total Unemployment Chômage (unemployment insurance, employer-only in France): €226.50 APEC (executive employment agency fee): €1.28 employee / €1.92 employer CSG-CRDS (social debt/security contributions on 105.98% of gross) CSG déductible (deductible from income tax): €366.84 CSG/CRDS non déductible: €156.44 Employer contribution relief: –€107.66 (payroll cost reduction, doesn't affect employee) Totals: Employee contributions = €1,210.96 | Employer contributions = €2,430.24 4. Gross-to-net summary Amount Total gross €5,329.50 – Employee contributions –€1,210.96 – Meal vouchers (employee share) –€124.32 Net before income tax €3,994.22 – Income tax withheld (13.80%) –€601.61 Net paid to bank (31/08/2026) €3,392.61 Net social amount (for benefits eligibility) €4,118.54 Total employer cost €7,759.74 5. Indicators Employee contribution rate: 1,210.96 / 5,329.50 = 22.7% of gross Total contribution rate (employer + employee): (7,759.74 − 3,392.61) / 7,759.74 = 56.3% of total cost Income regularity: no bonus this month; YTD gross is €42,742.09 over ~8 months worked (146 days), averaging ~€5,343/month gross — essentially flat, fixed salary with no meaningful variable component 6. Real estate borrowing capacity Reference rates (Eurozone, France): The ECB has held its deposit facility rate at 2.25% since June 2026. The Governing Council of the European Central Bank left its three key interest rates unchanged on July 23, 2026, marking a pause after a 25 basis-point increase on June 11. This is a policy reference rate, not what banks lend at — French mortgage rates in September 2026 average roughly 3.43% over 15 years, 3.54% over 20 years, and 3.61% over 25 years, with rates ticking back upward as French 10-year government bond yields (OAT) pushed past 4%. ymanci pretto Base income used: €3,994.22 (net before income tax — the standard French banking reference for debt-ratio calculations). Max monthly payment at 35% debt ratio: 3,994.22 × 0.35 = €1,397.98 Duration Est. rate Monthly payment Borrowable principal Total interest cost 10 years ~3.0% €1,397.98 ~€144,800 ~€23,000 15 years ~3.3% €1,397.98 ~€198,300 ~€53,400 20 years ~3.5% €1,397.98 ~€241,100 ~€94,400 25 years ~3.6% €1,397.98 ~€276,300 ~€143,100 Disclaimer: This is a rough indicative estimate, not a bank simulation. The real rate offered depends on Lucas's full profile (existing debts, down payment, borrower insurance, banking relationship, negotiation), and doesn't yet account for notary fees, insurance costs added to the monthly payment, or the HCSF debt-ratio rules banks actually apply (which also cap total debt duration and consider remaining-to-live income). 7. Summary Lucas earns €5,329.50 gross/month as a Data Engineer, netting €3,392.61 after ~23% employee contributions and 13.8% income tax withholding. Income is stable with no bonus this month. At a 35% debt ratio and current French mortgage rates (~3.0–3.6%), he could borrow roughly €145K (10 yrs) up to €276K (25 yrs) — indicative only, pending a real bank simulation.