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France – Property Financing

Mortgages for Foreign Nationals in France

Local banks and other lenders do issue mortgages to foreign nationals in France. However, the process and requirements may be different for foreigners compared to French citizens. It is important to note that most French banks require proof of income, a good credit history and a minimum deposit of around 20%.

Local Lenders in France

Some of the major banks in France that provide mortgages include BNP Paribas, Crédit Agricole, Société Générale, and Crédit Mutuel.

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Deposit Requirements in France

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The amount of deposit required when buying a property in France can vary, but typically a deposit of around 5-10% of the purchase price is required. However, this can be higher for foreign buyers, and some banks may require a deposit of up to 20%.

Outstanding Debts in France

New property owners are responsible for any outstanding debts on the property in France. It is important to conduct a thorough search of the property’s history and debts before making a purchase. This is typically done through a notary, who will conduct a “search of the land registry” to ensure there are no outstanding debts or liens on the property.

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