Financing rate France

Financing rate France

The maximum financing rate in France varies from bank to bank, region to region and project to project. As a non-resident buyer, up to 85% to 65% of the purchase price can currently be financed.

For residents of France, up to 100% to 90% can be financed. In doing so, there is a wide choice of sofas. Some regional banks may also finance aspiring residents of France as if they were already residents.

For non-residents of France, the maximum financing rate is 85% to 65%. The playing field of banks that can finance non-residents is limited. In general, it can be said that in the regions where relatively many foreigners buy, there is more to choose from in terms of banks.

Hypotheek & Buitenland has many contacts in France with both nationally operating banks and regionally operating banks. So there is something to choose from.

There are currently no Dutch banks financing foreign houses.

The lower the loan rate the lower the risk to the bank and the sooner a bank will usually be willing to grant a mortgage loan. Keep in mind that it is not true that the lower the loan amount the easier it becomes to get a mortgage. For loan amounts under €100,000 or sometimes even €150,000, the banks are not keen.

If the equity comes into the purchase of another loan, that is a problem for some banks. People want to see their own money come from savings.

Non-residents are defined as buyers who are not yet (tax) residents of France at the time of purchase.