RealEstateAbroad Logo
RealEstateAbroad
Property Financing

Property Financing in France

for International Investors

Complete guide to mortgages and financing options for property investments in France.

65-75%
Average LTV for Non-Residents
2.5-4.5%
Typical Interest Rates
4-8 weeks
Processing Time
78%
Success Rate
France Property Financing

Financing Overview for France

France offers attractive financing options for foreign buyers. Non-resident buyers can typically secure mortgages for 70-85% of the property value.

Mortgage Market Trends in France

Loading market data...

Mortgage Volume

€180 billion (2023)

Avg. Interest Rate

4.2% (fixed rate, 2023)

Foreign Buyers

14.7% of all mortgages

French mortgage market remains attractive to international buyers with competitive rates and favorable lending conditions.

Local Mortgages in France

French banks are generally welcoming to foreign buyers, offering competitive rates and terms.

Advantages

  • ✓High LTV ratios available
  • ✓Competitive interest rates
  • ✓Long-term fixed rate options
  • ✓Established expat services

Considerations

  • ✗Strict income verification
  • ✗Complex legal procedures
  • ✗High notary fees
  • ✗Property tax considerations

Requirements for Foreign Buyers

  • 1
    Valid passport and residence documentation
  • 2
    Proof of income for 3 months minimum
  • 3
    Bank statements and financial history
  • 4
    Property survey and legal checks
  • 5
    Insurance documentation

Calculate Your Mortgage

Use our interactive mortgage calculator to estimate your monthly payments for a property in France.

Mortgage Calculator

$300,000
$90,000

Mortgage Summary

Loan Amount:$210,000
Monthly Payment:$0
Total Payment:$0
Total Interest:$0
Loan Breakdown
Principal (Infinity%)Interest (NaN%)

Financing Tip

Your down payment of 20% or more typically qualifies you for the best available rates.

Developer Financing in France

French developers offer structured payment plans with strong buyer protection under French law.

Typical Payment Structure

  • 1
    Reservation fee: €5,000-€10,000
  • 2
    Deposit: 5-10% on signing
  • 3
    Progress payments: 35% during construction
  • 4
    Final payment: 55-60% on completion

Advantages

  • ✓Strong legal protection
  • ✓Quality construction standards
  • ✓Completion guarantees
  • ✓Transparent pricing

Considerations

  • ✗High notary fees
  • ✗Complex legal procedures
  • ✗Language requirements
  • ✗Regional variations

Popular Lenders in France

BNP Paribas

BNP Paribas

Leading French bank with extensive international mortgage services.

Interest Rates:From 3.8% fixed, Euribor + 2.0% variable
Max LTV:85% for residents, 70% for non-residents
Fees:1% arrangement fee

Financing Consultation

Get personalized mortgage advice for France

Our mortgage specialists can help you navigate financing options in France and connect you with trusted local lenders.

Related Tools

Download Resources

Mortgage Guide

PDF, 3.5MB

Foreign Buyer Checklist

PDF, 1.2MB

Interest Rate Comparison

PDF, 0.8MB

Browse Properties