{"id":951,"date":"2024-01-30T18:11:31","date_gmt":"2024-01-30T18:11:31","guid":{"rendered":"https:\/\/hypotheekenbuitenland.nl\/france\/"},"modified":"2024-06-17T11:56:29","modified_gmt":"2024-06-17T11:56:29","slug":"france","status":"publish","type":"page","link":"https:\/\/hypotheekenbuitenland.nl\/en\/france\/","title":{"rendered":"France"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-bottom:6px;--awb-border-color:#59133f;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-min-height:500px;--awb-background-image:url(&quot;https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/02\/Frankrijk-background.png&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-around fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:65px;\"><h1 class=\"fusion-title-heading title-heading-center\" style=\"font-family:&quot;Heebo&quot;;font-style:normal;font-weight:700;margin:0;font-size:1em;text-shadow:2px 2px 2px #90aec2;\">Mortgage financing for your French Purchase<\/h1><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:25px;\"><h2 class=\"fusion-title-heading title-heading-center\" style=\"font-family:&quot;Heebo&quot;;font-style:normal;font-weight:400;margin:0;font-size:1em;text-shadow:2px 2px 2px #90aec2;\">Non-resident mortgage specialist since 2003<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:rgba(144,174,194,0.15);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-color:#90aec2;--awb-bg-color-hover:#90aec2;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-block\"><div class=\"fusion-section-separator section-separator triangle fusion-section-separator-1\" style=\"--awb-border-bottom:0px solid #e2e2e2;--awb-spacer-height:0px;--awb-svg-margin-left:1.92%;--awb-svg-margin-right:1.92%;--awb-svg-margin-left-medium:1.92%;--awb-svg-margin-right-medium:1.92%;--awb-svg-margin-left-small:1.92%;--awb-svg-margin-right-small:1.92%;--awb-icon-color:#ffffff;\"><div class=\"fusion-section-separator-svg\"><div class=\"divider-candy-arrow bottom\" style=\"top:0px;border-top-color: #59133f;\"><\/div><div class=\"divider-candy bottom\" style=\"bottom:-20px;border-bottom:1px solid #e2e2e2;border-left:1px solid #e2e2e2;\"><\/div><\/div><div class=\"fusion-section-separator-spacer\"><div class=\"fusion-section-separator-spacer-height\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling page-custom-wrapper\" style=\"--awb-border-sizes-top:0;--awb-border-sizes-bottom:0;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:100px;--awb-padding-bottom:0px;--awb-padding-left:100px;--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-min-height:500px;--awb-background-color:#eef3f6;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two center-title\" style=\"--awb-margin-bottom:35px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:var(--awb-typography2-font-size);\"><h2 class=\"fusion-title-heading title-heading-left\" style=\"font-family:var(--awb-typography2-font-family);font-weight:var(--awb-typography2-font-weight);font-style:var(--awb-typography2-font-style);margin:0;letter-spacing:var(--awb-typography2-letter-spacing);text-transform:var(--awb-typography2-text-transform);font-size:1em;line-height:var(--awb-typography2-line-height);\">Key items<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_6 1_6 fusion-flex-column fusion-flex-align-self-center r-img-modal-trigger modal-items\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:50px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:50px;--awb-width-medium:16.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:50px;--awb-spacing-left-medium:50px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-bottom:20px;--awb-max-width:125px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-zoomin r-img-zoom-in-hover\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/financing-rate-france\/\" target=\"_self\" aria-label=\"Financierings-precentage-icon-henb\"><img decoding=\"async\" width=\"267\" height=\"264\" alt=\"Funding rate\" src=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Financierings-precentage-icon-henb.png\" class=\"img-responsive wp-image-269\" srcset=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Financierings-precentage-icon-henb-200x198.png 200w, https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Financierings-precentage-icon-henb.png 267w\" sizes=\"(max-width: 640px) 100vw, 200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-1\"><p style=\"text-align: center;  \"><a href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/financing-rate-france\/\">Funding rate<\/a><\/p>\n<\/div><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-max-width:125px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-zoomin r-img-zoom-in-hover\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/application-process-france\/\" target=\"_self\" aria-label=\"Cogs-icon-henb\"><img decoding=\"async\" width=\"267\" height=\"264\" alt=\"Cogs-icon-henb\" src=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Cogs-icon-henb.png\" class=\"img-responsive wp-image-265\" srcset=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Cogs-icon-henb-200x198.png 200w, https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Cogs-icon-henb.png 267w\" sizes=\"(max-width: 640px) 100vw, 200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"text-align: center;  \"><a href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/application-process-france\/\">Application process<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_6 1_6 fusion-flex-column r-img-modal-trigger modal-items\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:50px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:50px;--awb-width-medium:16.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:50px;--awb-spacing-left-medium:50px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-bottom:20px;--awb-max-width:125px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-zoomin r-img-zoom-in-hover\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/review-of-income-france\/\" target=\"_self\" aria-label=\"Toetsing-op-inkomen-icon-henb\"><img decoding=\"async\" width=\"267\" height=\"264\" alt=\"Toetsing-op-inkomen-icon-henb\" src=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Toetsing-op-inkomen-icon-henb.png\" class=\"img-responsive wp-image-283\" srcset=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Toetsing-op-inkomen-icon-henb-200x198.png 200w, https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Toetsing-op-inkomen-icon-henb.png 267w\" sizes=\"(max-width: 640px) 100vw, 200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: center;  \"><a href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/review-of-income-france\/\" style=\"font-family: var(--awb-text-font-family); font-size: var(--awb-font-size); font-style: var(--awb-text-font-style); font-weight: var(--awb-text-font-weight); letter-spacing: var(--awb-letter-spacing); text-transform: var(--awb-text-transform); background-color: var(--awb-bg-color);\">Testing on income<\/a><\/p>\n<\/div><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-max-width:125px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-zoomin r-img-zoom-in-hover\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/mortgage-forms-france\/\" target=\"_self\" aria-label=\"Hypotheekvormen-icon-henb\"><img decoding=\"async\" width=\"267\" height=\"264\" alt=\"Hypotheekvormen-icon-henb\" src=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Hypotheekvormen-icon-henb.png\" class=\"img-responsive wp-image-274\" srcset=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Hypotheekvormen-icon-henb-200x198.png 200w, https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Hypotheekvormen-icon-henb.png 267w\" sizes=\"(max-width: 640px) 100vw, 200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-4\"><p style=\"text-align: center;  \"><a href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/mortgage-forms-france\/\">Mortgage Types<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_6 1_6 fusion-flex-column r-img-modal-trigger modal-items\" style=\"--awb-bg-size:cover;--awb-width-large:16.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:50px;--awb-margin-bottom-large:20px;--awb-spacing-left-large:50px;--awb-width-medium:16.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:50px;--awb-spacing-left-medium:50px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-bottom:20px;--awb-max-width:125px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-zoomin r-img-zoom-in-hover\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/entrepreneurs-france\/\" target=\"_self\" aria-label=\"Ondernemers-icon-henb\"><img decoding=\"async\" width=\"267\" height=\"264\" alt=\"Ondernemers-icon-henb\" src=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Ondernemers-icon-henb.png\" class=\"img-responsive wp-image-280\" srcset=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Ondernemers-icon-henb-200x198.png 200w, https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Ondernemers-icon-henb.png 267w\" sizes=\"(max-width: 640px) 100vw, 200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-5\"><p style=\"text-align: center;  \"><a href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/entrepreneurs-france\/\">Entrepreneurs<\/a><\/p>\n<\/div><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-max-width:125px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-6 hover-type-zoomin r-img-zoom-in-hover\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/duration-and-age-france\/\" target=\"_self\" aria-label=\"Looptijd-leeftijd-icon-henb\"><img decoding=\"async\" width=\"267\" height=\"264\" alt=\"Looptijd-leeftijd-icon-henb\" src=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Looptijd-leeftijd-icon-henb.png\" class=\"img-responsive wp-image-277\" srcset=\"https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Looptijd-leeftijd-icon-henb-200x198.png 200w, https:\/\/hypotheekenbuitenland.nl\/wp-content\/uploads\/2021\/03\/Looptijd-leeftijd-icon-henb.png 267w\" sizes=\"(max-width: 640px) 100vw, 200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-6\"><p style=\"text-align: center;  \"><a href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/duration-and-age-france\/\">Duration &amp; Age<\/a><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-flex-align-self-center modal-items modal-list-wrapper\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_2 1_2 fusion-flex-column modal-items-full-width list-custom-col\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:var(--awb-typography3-text-transform);--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/purchase-route-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Purchase route France<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/new-and-remodeling-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">New and remodeling<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-3 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/rental-properties-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Rental objects<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-4 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/collateral-acceptance-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\"> Acceptance of collateral<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-5 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/business-plans-finance-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\"> Financing business plans<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_2 1_2 fusion-flex-column modal-items-full-width\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-6 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/cost-of-acquisition-and-ongoing-costs-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Purchase and ongoing costs<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-7 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/good-preparation-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Good preparation<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-8 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/mortgage-refinance-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\"> Refinancing of an existing mortgage<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-9 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/large-loan-amounts-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Large loan amounts<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><div style=\"text-align:left;\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-10 fusion-button-span-no fusion-button-default-type buttonleftmargin\" style=\"--button_accent_color:#323232;--button_border_color:rgba(18,67,107,0);--button_accent_hover_color:#59133f;--button_border_hover_color:#59133f;--button_gradient_top_color:rgba(144,174,194,0);--button_gradient_bottom_color:rgba(144,174,194,0);--button_gradient_top_color_hover:rgba(67,145,193,0);--button_gradient_bottom_color_hover:rgba(67,145,193,0);--button_text_transform:none;--button_font_size:16px;--button_line_height:1.2;--button_typography-font-family:&quot;Heebo&quot;;--button_typography-font-style:normal;--button_typography-font-weight:500;\" target=\"_self\" href=\"https:\/\/hypotheekenbuitenland.nl\/en\/france\/financing-without-a-bank-france\/\"><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Financing without a bank<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: flex-start;margin-right:auto;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#59133f;border-color:#59133f;border-top-width:1px;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-1 grote-leenbedragen\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-1\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-1\" data-dismiss=\"modal\" aria-hidden=\"true\">Large loan amounts<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-7\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>For larger purchase sums (from about \u20ac1.5 million), there are banks that offer their services especially for this category of non-resident buyers. These are Private banks or special departments of regular French retail banks. Therefore, in addition to the annuity mortgage, the interest-only mortgage is also offered under certain conditions. The financing setup will be designed to be fiscally optimal.<\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-1\"><div class=\"fusion-panel panel-default panel-9fea1637820d18a07 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9fea1637820d18a07\"><a aria-expanded=\"false\" aria-controls=\"9fea1637820d18a07\" role=\"button\" data-toggle=\"collapse\" data-target=\"#9fea1637820d18a07\" href=\"#9fea1637820d18a07\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Redemption-free<\/span><\/a><\/h4><\/div><div id=\"9fea1637820d18a07\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9fea1637820d18a07\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>An installment-free mortgage can be offered for wealthy clients who are willing to have part of their assets managed by a private bank specializing in this. For example, it is possible to borrow 100% interest-free, provided that 50% of the loan amount is placed with the bank as &#8220;Assets Under Management.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-489957b45f6319cfa fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_489957b45f6319cfa\"><a aria-expanded=\"false\" aria-controls=\"489957b45f6319cfa\" role=\"button\" data-toggle=\"collapse\" data-target=\"#489957b45f6319cfa\" href=\"#489957b45f6319cfa\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Imp\u00f4t sur la fortune immobili\u00e8re (IFI).<\/span><\/a><\/h4><\/div><div id=\"489957b45f6319cfa\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_489957b45f6319cfa\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>An integral part of the services provided by the banks serving this category of clients is to minimize <em>Imp\u00f4t sur la fortune immobili\u00e8re (IFI). <\/em>To this end, they advise on the overall design of financing and its administrative recording.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-2 financieren-zonder-bank\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-2\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-2\" data-dismiss=\"modal\" aria-hidden=\"true\">Financing without a bank<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-8\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Alternatives to financing a French purchase project is to find one or more financiers outside of commercial banks. This could include friends or family or other wealthy &#8220;third parties&#8221; providing a loan. Crowdfunding (or peer-to-peer financing) platforms allow supply and demand to find each other for this type of financing. A specialized platform is being created for financing business plans and investment properties in France. Please leave your details here if you wish to be kept informed about the formal launch date; both as a prospective investor and applicants for funding are invited to leave their details.<\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-2\"><div class=\"fusion-panel panel-default panel-955034413fa40d86c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_955034413fa40d86c\"><a aria-expanded=\"false\" aria-controls=\"955034413fa40d86c\" role=\"button\" data-toggle=\"collapse\" data-target=\"#955034413fa40d86c\" href=\"#955034413fa40d86c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Friends and family<\/span><\/a><\/h4><\/div><div id=\"955034413fa40d86c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_955034413fa40d86c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If supplemental bank financing is required or if commercial banks do not offer a possibility then friends or family can step in with a loan or donation. Even then, it is possible to establish a mortgage guarantee with the French house as collateral.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-57a1adccf897aa7e9 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_57a1adccf897aa7e9\"><a aria-expanded=\"false\" aria-controls=\"57a1adccf897aa7e9\" role=\"button\" data-toggle=\"collapse\" data-target=\"#57a1adccf897aa7e9\" href=\"#57a1adccf897aa7e9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Platform<\/span><\/a><\/h4><\/div><div id=\"57a1adccf897aa7e9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_57a1adccf897aa7e9\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Through a crowdfunding platform, financing can be arranged for entrepreneurs and real estate investors. Investors can thus diversify their investments and benefit from interesting returns. Are you looking for financing for your business or investment property in France or are you interested in investing in such projects with mortgage guarantee leave your details here. You will be informed of the formal launch of the platform specialized in this.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-modal modal fade modal-3 financieringspercentage\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-3\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-3\" data-dismiss=\"modal\" aria-hidden=\"true\">Funding rate<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-9\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>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.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-3\"><div class=\"fusion-panel panel-default panel-1d927dc0281a42475 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1d927dc0281a42475\"><a aria-expanded=\"false\" aria-controls=\"1d927dc0281a42475\" role=\"button\" data-toggle=\"collapse\" data-target=\"#1d927dc0281a42475\" href=\"#1d927dc0281a42475\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Purchase of a principal residence<\/span><\/a><\/h4><\/div><div id=\"1d927dc0281a42475\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1d927dc0281a42475\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>For <strong>residents<\/strong> 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.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-873d4188a7db81375 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_873d4188a7db81375\"><a aria-expanded=\"false\" aria-controls=\"873d4188a7db81375\" role=\"button\" data-toggle=\"collapse\" data-target=\"#873d4188a7db81375\" href=\"#873d4188a7db81375\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Purchase of a vacation home or rental property<\/span><\/a><\/h4><\/div><div id=\"873d4188a7db81375\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_873d4188a7db81375\"><div class=\"panel-body toggle-content fusion-clearfix\">For <strong>non-residents<\/strong> of France, the maximum financing rate is <strong>85% to 65%.<\/strong> 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.<\/p>\n<p><strong>Hypotheek &amp; Buitenland has many contacts in France with both nationally operating banks and regionally operating banks. So there is something to choose from.  <\/strong><\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f448dacdf25f59dc8 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f448dacdf25f59dc8\"><a aria-expanded=\"false\" aria-controls=\"f448dacdf25f59dc8\" role=\"button\" data-toggle=\"collapse\" data-target=\"#f448dacdf25f59dc8\" href=\"#f448dacdf25f59dc8\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Dutch banks<\/span><\/a><\/h4><\/div><div id=\"f448dacdf25f59dc8\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f448dacdf25f59dc8\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>There are currently no Dutch banks financing foreign houses.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-315afc53ddd3b7575 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_315afc53ddd3b7575\"><a aria-expanded=\"false\" aria-controls=\"315afc53ddd3b7575\" role=\"button\" data-toggle=\"collapse\" data-target=\"#315afc53ddd3b7575\" href=\"#315afc53ddd3b7575\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Low borrowing rate<\/span><\/a><\/h4><\/div><div id=\"315afc53ddd3b7575\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_315afc53ddd3b7575\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>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 \u20ac100,000 or sometimes even \u20ac150,000, the banks are not keen.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f6135b5fb26683d78 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f6135b5fb26683d78\"><a aria-expanded=\"false\" aria-controls=\"f6135b5fb26683d78\" role=\"button\" data-toggle=\"collapse\" data-target=\"#f6135b5fb26683d78\" href=\"#f6135b5fb26683d78\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Origin of own contribution<\/span><\/a><\/h4><\/div><div id=\"f6135b5fb26683d78\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f6135b5fb26683d78\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>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.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3c2e446bba1dd494b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3c2e446bba1dd494b\"><a aria-expanded=\"false\" aria-controls=\"3c2e446bba1dd494b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#3c2e446bba1dd494b\" href=\"#3c2e446bba1dd494b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Resident or non-resident<\/span><\/a><\/h4><\/div><div id=\"3c2e446bba1dd494b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3c2e446bba1dd494b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Non-residents are defined as buyers who are not yet (tax) residents of France at the time of purchase.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-text fusion-text-10\"><\/div><div class=\"fusion-text fusion-text-11\"><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-4 toetsingopinkomen\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-4\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-4\" data-dismiss=\"modal\" aria-hidden=\"true\">Testing on income<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-12\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>French banks also test whether your income is sufficient to obtain a mortgage. The method of testing varies from bank to bank. Banks generally allow up to 30%-39% of gross income to be spent on loan charges, rent and alimony. Some French banks place more value on residual income than loan percentage as an assessment standard. Some French banks still deduct Health Insurance Act contributions from income before testing.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-4\"><div class=\"fusion-panel panel-default panel-8d5a63bf8f6cc5b30 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8d5a63bf8f6cc5b30\"><a aria-expanded=\"false\" aria-controls=\"8d5a63bf8f6cc5b30\" role=\"button\" data-toggle=\"collapse\" data-target=\"#8d5a63bf8f6cc5b30\" href=\"#8d5a63bf8f6cc5b30\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Salary and tenure<\/span><\/a><\/h4><\/div><div id=\"8d5a63bf8f6cc5b30\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8d5a63bf8f6cc5b30\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Most French banks require that income from salary derives from permanent employment. Some French banks are less strict about this or do not actively check it. The Dutch phenomenon of <em>the declaration of intent<\/em> is not known in France.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-06fd682473bfa8e9d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_06fd682473bfa8e9d\"><a aria-expanded=\"false\" aria-controls=\"06fd682473bfa8e9d\" role=\"button\" data-toggle=\"collapse\" data-target=\"#06fd682473bfa8e9d\" href=\"#06fd682473bfa8e9d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Income from own business<\/span><\/a><\/h4><\/div><div id=\"06fd682473bfa8e9d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_06fd682473bfa8e9d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>It is possible to get a mortgage if the income comes from your own business. See further explanation on this under &#8220;entrepreneurs.&#8221;<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b6277fb3fc999ecf3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b6277fb3fc999ecf3\"><a aria-expanded=\"false\" aria-controls=\"b6277fb3fc999ecf3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#b6277fb3fc999ecf3\" href=\"#b6277fb3fc999ecf3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Retirement Income<\/span><\/a><\/h4><\/div><div id=\"b6277fb3fc999ecf3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b6277fb3fc999ecf3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks look at retirement income from a certain age. Exactly what age varies from bank to bank. Sometimes they then use a certain weighting percentage (&#8220;pondering&#8221;) of current income as future retirement income, sometimes they look at the actual pension to be received.<\/p>\n<p>If the pension income has already started then French banks will test with that pension income provided it is a pension guaranteed for the duration of the mortgage applied for.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c53d41d6e6d3f5110 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c53d41d6e6d3f5110\"><a aria-expanded=\"false\" aria-controls=\"c53d41d6e6d3f5110\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c53d41d6e6d3f5110\" href=\"#c53d41d6e6d3f5110\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Rental income<\/span><\/a><\/h4><\/div><div id=\"c53d41d6e6d3f5110\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c53d41d6e6d3f5110\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Most French banks include existing rental income as income. In doing so, it varies from bank to bank what percentage of it is taken as income. One does not look at the net rental income: so the existing mortgage expense of a leased property will be considered in its entirety in the review of the mortgage application.<\/p>\n<p>If the feasibility of a case depends on future rental income, an application will usually not be approved.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7e9384a7eb0fb9222 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7e9384a7eb0fb9222\"><a aria-expanded=\"false\" aria-controls=\"7e9384a7eb0fb9222\" role=\"button\" data-toggle=\"collapse\" data-target=\"#7e9384a7eb0fb9222\" href=\"#7e9384a7eb0fb9222\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Income from assets<\/span><\/a><\/h4><\/div><div id=\"7e9384a7eb0fb9222\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7e9384a7eb0fb9222\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If there is no or little regular income, but the income comes from assets, some French banks are willing to look at the size of the assets to assume a certain fixed income from them. This sometimes assumes a fixed rate of return, or &#8211; if the income is demonstrably &#8220;perpetual&#8221; &#8211; looks at actual returns achieved.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c77c1066094d4b0a4 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c77c1066094d4b0a4\"><a aria-expanded=\"false\" aria-controls=\"c77c1066094d4b0a4\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c77c1066094d4b0a4\" href=\"#c77c1066094d4b0a4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Gross annual income &gt; \u20ac150,000<\/span><\/a><\/h4><\/div><div id=\"c77c1066094d4b0a4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c77c1066094d4b0a4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>For households with gross annual incomes higher than \u20ac150,000, there are more mortgage options. Contact us about this for more information.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c5e45b7a863938e07 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c5e45b7a863938e07\"><a aria-expanded=\"false\" aria-controls=\"c5e45b7a863938e07\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c5e45b7a863938e07\" href=\"#c5e45b7a863938e07\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Savings capacity<\/span><\/a><\/h4><\/div><div id=\"c5e45b7a863938e07\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c5e45b7a863938e07\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Existing spending patterns of their prospective clients are also tested by French banks. People like to see that there is a certain &#8220;savings capacity&#8221;; or in other words, that there is money left over to save each month.<\/p>\n<p>In addition, more and more French banks are also testing the size of savings and how much savings remain after the purchase in France.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c2489677b9d219ea3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c2489677b9d219ea3\"><a aria-expanded=\"false\" aria-controls=\"c2489677b9d219ea3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c2489677b9d219ea3\" href=\"#c2489677b9d219ea3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Income from disability benefits<\/span><\/a><\/h4><\/div><div id=\"c2489677b9d219ea3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c2489677b9d219ea3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks do not include income from WAO or WIA as income. Income from private disability insurance is generally included as income.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-5 ondernemers\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-5\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-5\" data-dismiss=\"modal\" aria-hidden=\"true\">Entrepreneurs<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-13\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Even if the income comes from self-employment, it is possible to get a mortgage from a French bank. However, one is reluctant to include profits not distributed to private parties that have remained in the company. Some regional banks finance only clients with income from wages.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-5\"><div class=\"fusion-panel panel-default panel-866e99b2f25c697da fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_866e99b2f25c697da\"><a aria-expanded=\"false\" aria-controls=\"866e99b2f25c697da\" role=\"button\" data-toggle=\"collapse\" data-target=\"#866e99b2f25c697da\" href=\"#866e99b2f25c697da\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Sole proprietorship or general partnership.<\/span><\/a><\/h4><\/div><div id=\"866e99b2f25c697da\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_866e99b2f25c697da\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks are looking at profits for the past three years. At least 3 years of annual figures must be available and the company must exist for at least 3 calendar years. In addition to profits, they will look at sales trends and the equity position on the balance sheet.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-4499485beae613106 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_4499485beae613106\"><a aria-expanded=\"false\" aria-controls=\"4499485beae613106\" role=\"button\" data-toggle=\"collapse\" data-target=\"#4499485beae613106\" href=\"#4499485beae613106\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Entrepreneurs with their own (holding) limited liability company  <\/span><\/a><\/h4><\/div><div id=\"4499485beae613106\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_4499485beae613106\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The own B.V. must exist for at least 3 years and must have a healthy profit and sales development. The balance sheet should also look healthy with positive equity and an acceptable current account ratio with the owner. French banks count as income the salary and actual dividends paid. Sometimes banks are willing to consider potential dividend income as well.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a12c262702c6448a8 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a12c262702c6448a8\"><a aria-expanded=\"false\" aria-controls=\"a12c262702c6448a8\" role=\"button\" data-toggle=\"collapse\" data-target=\"#a12c262702c6448a8\" href=\"#a12c262702c6448a8\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Multiple companies<\/span><\/a><\/h4><\/div><div id=\"a12c262702c6448a8\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a12c262702c6448a8\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If there is a multi-company structure, it is important to clearly identify the results and ownership relationships.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c650471c10f09944d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c650471c10f09944d\"><a aria-expanded=\"false\" aria-controls=\"c650471c10f09944d\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c650471c10f09944d\" href=\"#c650471c10f09944d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Company as buyer and borrower<\/span><\/a><\/h4><\/div><div id=\"c650471c10f09944d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c650471c10f09944d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks do not want to give a mortgage to a foreign company.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div id=\"malwarebytes-root\"><\/div>\n<\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-6 aanvraagproces\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-6\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-6\" data-dismiss=\"modal\" aria-hidden=\"true\">Application process<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-14\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>There is only one chance to make a first impression at a bank: as far as we are concerned, it should be overwhelmingly good. After choosing a particular route toward realizing the desired mortgage loan (see also &#8220;preparation&#8221;), the application process begins. Five stages can be distinguished in the application process: 1. preliminary application 2. file, 3. submit, 4. monitoring and adjusting, 5. conclusion.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-6\"><div class=\"fusion-panel panel-default panel-9298d2c875d6719af fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9298d2c875d6719af\"><a aria-expanded=\"false\" aria-controls=\"9298d2c875d6719af\" role=\"button\" data-toggle=\"collapse\" data-target=\"#9298d2c875d6719af\" href=\"#9298d2c875d6719af\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Preliminary application<\/span><\/a><\/h4><\/div><div id=\"9298d2c875d6719af\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9298d2c875d6719af\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>To verify that an application is indeed feasible &#8211; in principle &#8211; a preliminary application is often first submitted to the intended French bank.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f3634ab11a33745c2 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f3634ab11a33745c2\"><a aria-expanded=\"false\" aria-controls=\"f3634ab11a33745c2\" role=\"button\" data-toggle=\"collapse\" data-target=\"#f3634ab11a33745c2\" href=\"#f3634ab11a33745c2\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">File creation<\/span><\/a><\/h4><\/div><div id=\"f3634ab11a33745c2\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f3634ab11a33745c2\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A well-documented application is essential for a successful application. Unclear or gaps in documentation create the perception of additional risk on the part of the bank. Together, the documentation is completed to the point where all essential elements are substantiated.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-70f05f790a51bbc53 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_70f05f790a51bbc53\"><a aria-expanded=\"false\" aria-controls=\"70f05f790a51bbc53\" role=\"button\" data-toggle=\"collapse\" data-target=\"#70f05f790a51bbc53\" href=\"#70f05f790a51bbc53\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Submit<\/span><\/a><\/h4><\/div><div id=\"70f05f790a51bbc53\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_70f05f790a51bbc53\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Hypotheek &amp; Buitenland creates a comprehensive cover letter explaining all the elements and translating them so that everything is 100% clear to the French bank. The application is completed with the bank&#8217;s application form after which it is submitted.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7511cef79c8e1abde fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7511cef79c8e1abde\"><a aria-expanded=\"false\" aria-controls=\"7511cef79c8e1abde\" role=\"button\" data-toggle=\"collapse\" data-target=\"#7511cef79c8e1abde\" href=\"#7511cef79c8e1abde\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Monitoring and adjusting<\/span><\/a><\/h4><\/div><div id=\"7511cef79c8e1abde\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7511cef79c8e1abde\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Once submitted, additional questions or requests for additional documents sometimes follow. Ambiguities are clarified and additional substantiation in the form of documents is provided. Where necessary, if the situation calls for it, the application will be adjusted. If an application is unexpectedly rejected, an attempt will be made to change the bank&#8217;s mind by means of an <em>appel sur refus<\/em>. Should that fail, discussions will follow to see if applying for a mortgage with another French bank is possible.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a769403836857459d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a769403836857459d\"><a aria-expanded=\"false\" aria-controls=\"a769403836857459d\" role=\"button\" data-toggle=\"collapse\" data-target=\"#a769403836857459d\" href=\"#a769403836857459d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Completion<\/span><\/a><\/h4><\/div><div id=\"a769403836857459d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a769403836857459d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>When the risk committee of the respective bank has given its approval and the appraisal also shows a sufficient value, the bank will make its credit offer. After observing the legally required reflection period<em>(loi Scrivener<\/em>), and verifying the mortgage terms, the offer can be accepted. If desired, a bank account in France will be opened and insurance arranged with the help of Mortgage &amp; Abroad. Completion follows after the notary receives the draft mortgage deed from the bank and releases the mortgage funds into the French notary&#8217;s trust account.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-65b7ba37bb369101d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_65b7ba37bb369101d\"><a aria-expanded=\"false\" aria-controls=\"65b7ba37bb369101d\" role=\"button\" data-toggle=\"collapse\" data-target=\"#65b7ba37bb369101d\" href=\"#65b7ba37bb369101d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Turnaround time application process<\/span><\/a><\/h4><\/div><div id=\"65b7ba37bb369101d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_65b7ba37bb369101d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Please allow 6-8 weeks processing time after the fully documented mortgage application is submitted. However, this is an average; some banks are smooth, some slow. Longer are the processing times for more complex mortgage applications such as when buying out a (former) partner<em>(rachat de soulte<\/em>), refinancing and financing new construction.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-15d978efb2d38453e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_15d978efb2d38453e\"><a aria-expanded=\"false\" aria-controls=\"15d978efb2d38453e\" role=\"button\" data-toggle=\"collapse\" data-target=\"#15d978efb2d38453e\" href=\"#15d978efb2d38453e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Appraisal<\/span><\/a><\/h4><\/div><div id=\"15d978efb2d38453e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_15d978efb2d38453e\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Usually an appraisal is required after the initial assessment has taken place. It varies from bank to bank who should organize this. Sometimes the bank does it at its expense, sometimes the bank asks the customer to provide an appraisal report.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-eaf0d9e6be25f4533 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_eaf0d9e6be25f4533\"><a aria-expanded=\"false\" aria-controls=\"eaf0d9e6be25f4533\" role=\"button\" data-toggle=\"collapse\" data-target=\"#eaf0d9e6be25f4533\" href=\"#eaf0d9e6be25f4533\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Translations<\/span><\/a><\/h4><\/div><div id=\"eaf0d9e6be25f4533\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_eaf0d9e6be25f4533\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Banks that do not often deal with non-resident clients (often regional banks), quite often request (sworn) translations of a number of documents, such as pay slips, tax assessments or other documents. The goal is to keep translations to a minimum.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-7 hypotheekvormen\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-7\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-7\" data-dismiss=\"modal\" aria-hidden=\"true\">Mortgage Types<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-15\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>France has a different financing culture than the Netherlands. French banks take a more classical approach, focusing on paying off the mortgage. Consequently, the annuity mortgage is by far the most widely used mortgage form. The no-repayment mortgage is hardly offered, if at all.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-7\"><div class=\"fusion-panel panel-default panel-5c6618cab3d470d7b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5c6618cab3d470d7b\"><a aria-expanded=\"false\" aria-controls=\"5c6618cab3d470d7b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#5c6618cab3d470d7b\" href=\"#5c6618cab3d470d7b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Annuity mortgage<\/span><\/a><\/h4><\/div><div id=\"5c6618cab3d470d7b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5c6618cab3d470d7b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The annuity mortgage<em>(pr\u00eat<\/em><em>amortisable<\/em>) is the most widely used form of mortgage in France. In the absence of mortgage interest deductions and a less sound pension system, the focus in France is on paying off the loan through this form of mortgage.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-48343682cff7a3498 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_48343682cff7a3498\"><a aria-expanded=\"false\" aria-controls=\"48343682cff7a3498\" role=\"button\" data-toggle=\"collapse\" data-target=\"#48343682cff7a3498\" href=\"#48343682cff7a3498\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Redemption-free<\/span><\/a><\/h4><\/div><div id=\"48343682cff7a3498\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_48343682cff7a3498\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Redemption-free is currently available &#8211; under strict conditions &#8211; to non-residents at one French bank. These conditions boil down to demonstrating, as early as when applying for the mortgage, that there is more than enough (liquid) equity to repay the mortgage in the future. The maximum duration is 14 years.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5ad278f77aafa72b0 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5ad278f77aafa72b0\"><a aria-expanded=\"false\" aria-controls=\"5ad278f77aafa72b0\" role=\"button\" data-toggle=\"collapse\" data-target=\"#5ad278f77aafa72b0\" href=\"#5ad278f77aafa72b0\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Minimum loan amount<\/span><\/a><\/h4><\/div><div id=\"5ad278f77aafa72b0\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5ad278f77aafa72b0\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks do not get excited about loan amounts below \u20ac100,000; in fact, they are not commercially interesting enough. Some banks even have a hard lower limit of \u20ac100,000 or \u20ac150,000.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3ef086da18f7051cb fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3ef086da18f7051cb\"><a aria-expanded=\"false\" aria-controls=\"3ef086da18f7051cb\" role=\"button\" data-toggle=\"collapse\" data-target=\"#3ef086da18f7051cb\" href=\"#3ef086da18f7051cb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Forms of interest<\/span><\/a><\/h4><\/div><div id=\"3ef086da18f7051cb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3ef086da18f7051cb\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks usually offer a fixed interest rate for the entire term. Sometimes a variable interest rate is also possible with or without built-in protection against rising interest rates such as an interest rate plan fund or the &#8220;accordion formula. A fixed interest rate of 5, 10 or 15 years as we are used to in the Netherlands is hardly offered.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-eb8bafc5cbc365514 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_eb8bafc5cbc365514\"><a aria-expanded=\"false\" aria-controls=\"eb8bafc5cbc365514\" role=\"button\" data-toggle=\"collapse\" data-target=\"#eb8bafc5cbc365514\" href=\"#eb8bafc5cbc365514\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Interest level<\/span><\/a><\/h4><\/div><div id=\"eb8bafc5cbc365514\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_eb8bafc5cbc365514\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The interest rate offered varies from bank to bank. At banks that have a separate department for non-resident customers, the interest rate offered is often about 1% higher than at regionally operating banks or &#8220;private banks. The interest rate level of these banks is comparable or slightly lower than the prevailing Dutch interest rate level.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3415f069c1788511d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3415f069c1788511d\"><a aria-expanded=\"false\" aria-controls=\"3415f069c1788511d\" role=\"button\" data-toggle=\"collapse\" data-target=\"#3415f069c1788511d\" href=\"#3415f069c1788511d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Run times<\/span><\/a><\/h4><\/div><div id=\"3415f069c1788511d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3415f069c1788511d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French finance culture is focused on paying off a mortgage quickly. Therefore, maturities of 30 years are not common. For non-resident buyers, terms of 25 years are possible, but often the maximum term is also 20 years. See more information on maturities under &#8220;Age and maturity&#8221;<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-72e4013fcbd1007c1 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_72e4013fcbd1007c1\"><a aria-expanded=\"false\" aria-controls=\"72e4013fcbd1007c1\" role=\"button\" data-toggle=\"collapse\" data-target=\"#72e4013fcbd1007c1\" href=\"#72e4013fcbd1007c1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Closing commission<\/span><\/a><\/h4><\/div><div id=\"72e4013fcbd1007c1\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_72e4013fcbd1007c1\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A closing commission is common in French banks. It varies by bank. Sometimes it is several hundred euros, sometimes 1% of the loan amount.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-19c525b0825d7f342 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_19c525b0825d7f342\"><a aria-expanded=\"false\" aria-controls=\"19c525b0825d7f342\" role=\"button\" data-toggle=\"collapse\" data-target=\"#19c525b0825d7f342\" href=\"#19c525b0825d7f342\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Life Insurance<\/span><\/a><\/h4><\/div><div id=\"19c525b0825d7f342\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_19c525b0825d7f342\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Term life insurance is required by most banks. A few French banks are willing to waive the requirement to purchase death benefit insurance. See more information on term life insurance under &#8220;Age and Term&#8221;<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f78e6d5017bdaaf3f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f78e6d5017bdaaf3f\"><a aria-expanded=\"false\" aria-controls=\"f78e6d5017bdaaf3f\" role=\"button\" data-toggle=\"collapse\" data-target=\"#f78e6d5017bdaaf3f\" href=\"#f78e6d5017bdaaf3f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Purchase of other products<\/span><\/a><\/h4><\/div><div id=\"f78e6d5017bdaaf3f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f78e6d5017bdaaf3f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Banks are commercial institutions, and especially for non-resident customers &#8211; for whom they have to go the extra mile &#8211; they make it a condition that, in addition to the loan, other products from this bank must be purchased, such as a checking account, fire insurance and sometimes a savings account into which a certain minimum amount must be deposited.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-851747ae7d86a55c5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_851747ae7d86a55c5\"><a aria-expanded=\"false\" aria-controls=\"851747ae7d86a55c5\" role=\"button\" data-toggle=\"collapse\" data-target=\"#851747ae7d86a55c5\" href=\"#851747ae7d86a55c5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Early repayment penalty<\/span><\/a><\/h4><\/div><div id=\"851747ae7d86a55c5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_851747ae7d86a55c5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If the loan is repaid early, a penalty is due from French banks. However, consumers are better protected than in the Netherlands, and the penalty for early repayment is capped by law in France.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-703d633157102ea9f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_703d633157102ea9f\"><a aria-expanded=\"false\" aria-controls=\"703d633157102ea9f\" role=\"button\" data-toggle=\"collapse\" data-target=\"#703d633157102ea9f\" href=\"#703d633157102ea9f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Bridging credit (pr\u00eat relais).<\/span><\/a><\/h4><\/div><div id=\"703d633157102ea9f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_703d633157102ea9f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A bridging loan is possible if the house being bridged on is also in France. Bridging on a house located in the Netherlands or a country other than France is not possible.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-980a6dfe5bc68c2df fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_980a6dfe5bc68c2df\"><a aria-expanded=\"false\" aria-controls=\"980a6dfe5bc68c2df\" role=\"button\" data-toggle=\"collapse\" data-target=\"#980a6dfe5bc68c2df\" href=\"#980a6dfe5bc68c2df\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Release of excess value (equity release) or post-financing<\/span><\/a><\/h4><\/div><div id=\"980a6dfe5bc68c2df\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_980a6dfe5bc68c2df\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The release of surplus value through a mortgage is not possible in France unless the amount to be released will be used to purchase another property. Releasing money for consumption purposes or to supplement retirement is therefore not possible.<\/p>\n<p>It is still possible to apply for so-called post-financing for up to 6 to 9 months after the purchase. In other words, recover the funds advanced for the purchase through a mortgage.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-9d716a43b3f9c2f36 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9d716a43b3f9c2f36\"><a aria-expanded=\"false\" aria-controls=\"9d716a43b3f9c2f36\" role=\"button\" data-toggle=\"collapse\" data-target=\"#9d716a43b3f9c2f36\" href=\"#9d716a43b3f9c2f36\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">SCI or SARL de famille<\/span><\/a><\/h4><\/div><div id=\"9d716a43b3f9c2f36\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9d716a43b3f9c2f36\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>It is possible to obtain a mortgage if the buyer of the property is the French company de <em>SCI<\/em> or <em>SARL de famille<\/em>. Ask yourself whether buying through such a legal form is really necessary and useful and whether the advantages outweigh the disadvantages. Also weigh the significant incorporation and ongoing costs in your decision to buy through such a legal form in France.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-8 looptijdenleeftijd\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-8\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-8\" data-dismiss=\"modal\" aria-hidden=\"true\">Duration and Age<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-16\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Regarding the age aspect, the financing culture in France is different from that in the Netherlands. The maximum age at which a mortgage must be terminated is at age <sup>75<\/sup>. A single bank can finance up to age <sup>80<\/sup>. This aspect has an impact on the maximum term and thus the feasibility of a mortgage application.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-8\"><div class=\"fusion-panel panel-default panel-3d01afc213f0a2703 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3d01afc213f0a2703\"><a aria-expanded=\"false\" aria-controls=\"3d01afc213f0a2703\" role=\"button\" data-toggle=\"collapse\" data-target=\"#3d01afc213f0a2703\" href=\"#3d01afc213f0a2703\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Duration<\/span><\/a><\/h4><\/div><div id=\"3d01afc213f0a2703\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3d01afc213f0a2703\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Maturities of 25 years are possible for non-resident buyers, but at some French banks the maximum maturity is up to 20 years. However, with a higher starting age of the mortgage, the term may be shortened by the upper limit of age <sup>75<\/sup> or <sup>80<\/sup>.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-1074f90651319340e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1074f90651319340e\"><a aria-expanded=\"false\" aria-controls=\"1074f90651319340e\" role=\"button\" data-toggle=\"collapse\" data-target=\"#1074f90651319340e\" href=\"#1074f90651319340e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Feasibility application<\/span><\/a><\/h4><\/div><div id=\"1074f90651319340e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1074f90651319340e\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If the starting age shortens the term of the mortgage to be applied for, the monthly charge on an annuity mortgage will be higher. This can have an impact on the maximum amount to borrow. After all, the higher monthly burden may cause the assessment standard to be exceeded.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0ce90fdf6322756e5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0ce90fdf6322756e5\"><a aria-expanded=\"false\" aria-controls=\"0ce90fdf6322756e5\" role=\"button\" data-toggle=\"collapse\" data-target=\"#0ce90fdf6322756e5\" href=\"#0ce90fdf6322756e5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Death Benefit Insurance  <\/span><\/a><\/h4><\/div><div id=\"0ce90fdf6322756e5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0ce90fdf6322756e5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>When mortality insurance is mandated, it can also impact the term. If a bank makes it mandatory to purchase insurance from them and the maximum end age of the insurance is less than age <sup>75<\/sup> then this can shorten the term.<\/p>\n<p>Of course, not being able to obtain death benefit insurance for medical reasons at all can be a showstopper. Sometimes such a shortcoming can be circumvented.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ddb42197aff43f7d0 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ddb42197aff43f7d0\"><a aria-expanded=\"false\" aria-controls=\"ddb42197aff43f7d0\" role=\"button\" data-toggle=\"collapse\" data-target=\"#ddb42197aff43f7d0\" href=\"#ddb42197aff43f7d0\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Legal threshold monthly charges<\/span><\/a><\/h4><\/div><div id=\"ddb42197aff43f7d0\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ddb42197aff43f7d0\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>France has legal rules against &#8220;usury. If the effective interest rate exceeds a certain threshold<em>(taux d&#8217;usure<\/em>) then this can be a problem because the bank is then not allowed to lend. In addition to the closing commission, the effective interest rate also includes the premium for term life insurance. Thus, with advanced age or premiums increased for medical reasons, this may come into play. Even with relatively small loan amounts of approx. \u20ac100,000 this problem does sometimes play a role, because additional costs then weigh more heavily in the effective interest rate.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-9 kooptrajectfrankrijk\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-9\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-9\" data-dismiss=\"modal\" aria-hidden=\"true\">Purchase route France<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-17\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>When you have found the house you want to buy then the whole process of buying in France also starts. Below are the different steps of the process<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-9\"><div class=\"fusion-panel panel-default panel-0c2f5a1a29c56b811 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0c2f5a1a29c56b811\"><a aria-expanded=\"false\" aria-controls=\"0c2f5a1a29c56b811\" role=\"button\" data-toggle=\"collapse\" data-target=\"#0c2f5a1a29c56b811\" href=\"#0c2f5a1a29c56b811\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Negotiating the price<\/span><\/a><\/h4><\/div><div id=\"0c2f5a1a29c56b811\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0c2f5a1a29c56b811\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Bidding is a little different in France than in the Netherlands. Keep in mind French sensitivities. We can put you in touch with a Dutch-speaking party who will negotiate for you (purchase broker).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-2cc86de54bc63f0fc fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_2cc86de54bc63f0fc\"><a aria-expanded=\"false\" aria-controls=\"2cc86de54bc63f0fc\" role=\"button\" data-toggle=\"collapse\" data-target=\"#2cc86de54bc63f0fc\" href=\"#2cc86de54bc63f0fc\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Mortgage Application<\/span><\/a><\/h4><\/div><div id=\"2cc86de54bc63f0fc\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_2cc86de54bc63f0fc\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Start the application process well in advance. You may already be able to cut a little corner by submitting the application in advance as soon as possible. See &#8220;APPLICATION PROCESS.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ea1866976dfe2e08e fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ea1866976dfe2e08e\"><a aria-expanded=\"false\" aria-controls=\"ea1866976dfe2e08e\" role=\"button\" data-toggle=\"collapse\" data-target=\"#ea1866976dfe2e08e\" href=\"#ea1866976dfe2e08e\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Building inspection<\/span><\/a><\/h4><\/div><div id=\"ea1866976dfe2e08e\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ea1866976dfe2e08e\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In doubt about the structural condition of the house? Then have a building inspection performed. We can put you in touch with a Dutch-speaking inspection agency.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-632d43a47ecd9a087 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_632d43a47ecd9a087\"><a aria-expanded=\"false\" aria-controls=\"632d43a47ecd9a087\" role=\"button\" data-toggle=\"collapse\" data-target=\"#632d43a47ecd9a087\" href=\"#632d43a47ecd9a087\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Choice of notary<\/span><\/a><\/h4><\/div><div id=\"632d43a47ecd9a087\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_632d43a47ecd9a087\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Buyer and seller choose a notary by mutual agreement. It is also possible to each choose their own notary. We can put you in touch with French notaries who also speak English or Dutch.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ee92f85ce5c37233b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ee92f85ce5c37233b\"><a aria-expanded=\"false\" aria-controls=\"ee92f85ce5c37233b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#ee92f85ce5c37233b\" href=\"#ee92f85ce5c37233b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Notarized power of attorney<\/span><\/a><\/h4><\/div><div id=\"ee92f85ce5c37233b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ee92f85ce5c37233b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>We can assist you in arranging a notarized power of attorney to complete the purchase from the Netherlands. We have contacts with a Dutch notary where the process of making the power of attorney can be arranged &#8220;remotely&#8221; (via video call).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8dcc630aada837790 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8dcc630aada837790\"><a aria-expanded=\"false\" aria-controls=\"8dcc630aada837790\" role=\"button\" data-toggle=\"collapse\" data-target=\"#8dcc630aada837790\" href=\"#8dcc630aada837790\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Purchase Agreement<\/span><\/a><\/h4><\/div><div id=\"8dcc630aada837790\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8dcc630aada837790\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The impetus for a purchase agreement<em>(Compromis de Vente<\/em>) is sometimes provided by the selling broker, but usually it is the notary who provides the first draft. We can put you in touch with a Dutch-speaking lawyer specializing in this who will check the draft agreement for you.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-21246a8cfe5ede587 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_21246a8cfe5ede587\"><a aria-expanded=\"false\" aria-controls=\"21246a8cfe5ede587\" role=\"button\" data-toggle=\"collapse\" data-target=\"#21246a8cfe5ede587\" href=\"#21246a8cfe5ede587\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Reserved funding<\/span><\/a><\/h4><\/div><div id=\"21246a8cfe5ede587\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_21246a8cfe5ede587\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The condition precedent for financing is common in the French sales contract. Contact us for advice on content.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-80d62e9cfe7c85b5a fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_80d62e9cfe7c85b5a\"><a aria-expanded=\"false\" aria-controls=\"80d62e9cfe7c85b5a\" role=\"button\" data-toggle=\"collapse\" data-target=\"#80d62e9cfe7c85b5a\" href=\"#80d62e9cfe7c85b5a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Other conditions precedent<\/span><\/a><\/h4><\/div><div id=\"80d62e9cfe7c85b5a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_80d62e9cfe7c85b5a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In addition to the condition precedent for financing, other reservations may be involved; for example, for obtaining a building permit.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d8a68f6f741f7c174 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d8a68f6f741f7c174\"><a aria-expanded=\"false\" aria-controls=\"d8a68f6f741f7c174\" role=\"button\" data-toggle=\"collapse\" data-target=\"#d8a68f6f741f7c174\" href=\"#d8a68f6f741f7c174\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Dossier diagnostique technique<\/span><\/a><\/h4><\/div><div id=\"d8a68f6f741f7c174\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d8a68f6f741f7c174\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The selling party takes care of the reports that are required to be attached to the purchase agreement. These are reports on such things as wood-eating insects, asbestos, lead-based paint, flood hazards, the septic tank and the energy rating of the house.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-02b829e0bac1d5989 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_02b829e0bac1d5989\"><a aria-expanded=\"false\" aria-controls=\"02b829e0bac1d5989\" role=\"button\" data-toggle=\"collapse\" data-target=\"#02b829e0bac1d5989\" href=\"#02b829e0bac1d5989\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Preferential rights<\/span><\/a><\/h4><\/div><div id=\"02b829e0bac1d5989\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_02b829e0bac1d5989\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Preferential rights may be involved in properties for sale with a lot of land. In this process, adjacent landowners (mostly local farmers) are given the opportunity to buy pieces of land. The body that regulates this is the &#8220;Safer. This process takes 2 months, but there is an option for an expedited procedure.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-babda27ee85dd48b6 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_babda27ee85dd48b6\"><a aria-expanded=\"false\" aria-controls=\"babda27ee85dd48b6\" role=\"button\" data-toggle=\"collapse\" data-target=\"#babda27ee85dd48b6\" href=\"#babda27ee85dd48b6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Down payment and reflection period<\/span><\/a><\/h4><\/div><div id=\"babda27ee85dd48b6\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_babda27ee85dd48b6\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>After all parties sign the purchase agreement, the legal 10-day cooling-off period begins. A down payment of 5% to 10% of the purchase price is common and is made to the notary&#8217;s trust account.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0cdd558141e9b4397 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0cdd558141e9b4397\"><a aria-expanded=\"false\" aria-controls=\"0cdd558141e9b4397\" role=\"button\" data-toggle=\"collapse\" data-target=\"#0cdd558141e9b4397\" href=\"#0cdd558141e9b4397\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Receipt of unconditional credit offer<\/span><\/a><\/h4><\/div><div id=\"0cdd558141e9b4397\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0cdd558141e9b4397\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The resultant of the mortgage application process is the receipt of the unconditional loan offer or also called the unconditional mortgage offer. Upon acceptance of the loan offer, the bank is ready to release the mortgage funds at the notary&#8217;s call and deposit them into the notary&#8217;s trust account.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-10c2e764c1e202adb fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_10c2e764c1e202adb\"><a aria-expanded=\"false\" aria-controls=\"10c2e764c1e202adb\" role=\"button\" data-toggle=\"collapse\" data-target=\"#10c2e764c1e202adb\" href=\"#10c2e764c1e202adb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Fire and home insurance<\/span><\/a><\/h4><\/div><div id=\"10c2e764c1e202adb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_10c2e764c1e202adb\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>When the sale is imminent, your home should be insured for fire (and theft). Hypotheek &amp; Buitenland has contacts with several (Dutch-speaking) parties who can provide competitive quotations for this purpose.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-9e62dbcbbf807aff5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9e62dbcbbf807aff5\"><a aria-expanded=\"false\" aria-controls=\"9e62dbcbbf807aff5\" role=\"button\" data-toggle=\"collapse\" data-target=\"#9e62dbcbbf807aff5\" href=\"#9e62dbcbbf807aff5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Open bank account<\/span><\/a><\/h4><\/div><div id=\"9e62dbcbbf807aff5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9e62dbcbbf807aff5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Having a French bank account is indispensable when you own a home in France. Hypotheek &amp; Buitenland can help you open a bank account &#8220;remotely&#8221; i.e. without having to physically go to France.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-240ddd735e62adb3f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_240ddd735e62adb3f\"><a aria-expanded=\"false\" aria-controls=\"240ddd735e62adb3f\" role=\"button\" data-toggle=\"collapse\" data-target=\"#240ddd735e62adb3f\" href=\"#240ddd735e62adb3f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Completion purchase<\/span><\/a><\/h4><\/div><div id=\"240ddd735e62adb3f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_240ddd735e62adb3f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The notary prepares the deed of sale and requests the mortgage funds from the bank and asks the buyer to transfer the remaining portion of his own money to his third-party account. On the day the purchase deed is signed at the notary, ownership is officially transferred and the notary pays the seller the purchase price and settles all taxes due.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e05dbbda99b58cb51 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e05dbbda99b58cb51\"><a aria-expanded=\"false\" aria-controls=\"e05dbbda99b58cb51\" role=\"button\" data-toggle=\"collapse\" data-target=\"#e05dbbda99b58cb51\" href=\"#e05dbbda99b58cb51\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Timetable trajectory<\/span><\/a><\/h4><\/div><div id=\"e05dbbda99b58cb51\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e05dbbda99b58cb51\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>How long the buying process takes depends on what delaying elements are involved. Some trajectories last 2 months some 2 years.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-10 nieuw-en-verbouw\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-10\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-10\" data-dismiss=\"modal\" aria-hidden=\"true\">New and remodeling<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-18\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>It is possible as a non-resident of France to get a mortgage for new construction or renovations. However, this is subject to strict conditions by the banks. They only want to finance construction projects done by official French contractors, and they do not want to finance self-builds. There are 3 different types of new construction (agreements): VEFA, CCMI or <em>March\u00e9 de traveaux.<\/em><\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-10\"><div class=\"fusion-panel panel-default panel-e0943d9bc174684e6 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e0943d9bc174684e6\"><a aria-expanded=\"false\" aria-controls=\"e0943d9bc174684e6\" role=\"button\" data-toggle=\"collapse\" data-target=\"#e0943d9bc174684e6\" href=\"#e0943d9bc174684e6\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Funding rate<\/span><\/a><\/h4><\/div><div id=\"e0943d9bc174684e6\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e0943d9bc174684e6\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The maximum financing rate for new construction is applied to the sum of the land purchase and total construction cost.<\/p>\n<p>For renovations, the maximum financing rate is applied to the sum of all renovations for which quotes are available from official French contractors. Some banks are willing to apply the financing rate to the expected value of the property after renovations. If the property is not already &#8220;fully&#8221; financed, the renovations can then potentially be fully financed.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-17f967e7e33e42452 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_17f967e7e33e42452\"><a aria-expanded=\"false\" aria-controls=\"17f967e7e33e42452\" role=\"button\" data-toggle=\"collapse\" data-target=\"#17f967e7e33e42452\" href=\"#17f967e7e33e42452\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Funding track<\/span><\/a><\/h4><\/div><div id=\"17f967e7e33e42452\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_17f967e7e33e42452\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The process of getting financing for new construction done requires intensive guidance and is time-consuming. Hypotheek &amp; Buitenland also accompanies these routes, but at a higher rate for the service compared to financing existing construction.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-073d5f1b6fff3ac52 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_073d5f1b6fff3ac52\"><a aria-expanded=\"false\" aria-controls=\"073d5f1b6fff3ac52\" role=\"button\" data-toggle=\"collapse\" data-target=\"#073d5f1b6fff3ac52\" href=\"#073d5f1b6fff3ac52\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Official French contractors\/builders<\/span><\/a><\/h4><\/div><div id=\"073d5f1b6fff3ac52\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_073d5f1b6fff3ac52\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>To apply for a mortgage when working with a Dutch contractor, &#8220;a male&#8221; or self-build, French banks do not finance. Only when working with official French contractors can new construction or renovations be financed with a mortgage. Importantly, the contractor(s) must have a SIRET number and all legally required insurance, including the &#8220;ten-year warranty.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-e1a10e38cb6145ff3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_e1a10e38cb6145ff3\"><a aria-expanded=\"false\" aria-controls=\"e1a10e38cb6145ff3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#e1a10e38cb6145ff3\" href=\"#e1a10e38cb6145ff3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">VEFA<\/span><\/a><\/h4><\/div><div id=\"e1a10e38cb6145ff3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_e1a10e38cb6145ff3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>New construction where land and the property to be built are purchased in one sale is done through a VEFA<em>(Vente en Etat Futur d&#8217;Ach\u00e8vement<\/em>) agreement. This type of new construction is also called &#8220;turn-key&#8221; or &#8220;turnkey&#8221; purchase. The equivalent of the purchase agreement in such a sale is the &#8220;reservation agreement. You see this type of new construction a lot when building apartments (for example, in the French ski resorts).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-f55d4ffd007a385d9 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_f55d4ffd007a385d9\"><a aria-expanded=\"false\" aria-controls=\"f55d4ffd007a385d9\" role=\"button\" data-toggle=\"collapse\" data-target=\"#f55d4ffd007a385d9\" href=\"#f55d4ffd007a385d9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">CCMI<\/span><\/a><\/h4><\/div><div id=\"f55d4ffd007a385d9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_f55d4ffd007a385d9\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The <em>Contrat de Construction de Maison Individuelle<\/em> (CCMI) is the usual construction agreement when land is already owned on which to build. This construction agreement is made with a construction company where there are already construction plans from an architect or existing plans &#8220;from catalog.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d81b93cf2b56e51e3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d81b93cf2b56e51e3\"><a aria-expanded=\"false\" aria-controls=\"d81b93cf2b56e51e3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#d81b93cf2b56e51e3\" href=\"#d81b93cf2b56e51e3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">March\u00e9 de travaux<\/span><\/a><\/h4><\/div><div id=\"d81b93cf2b56e51e3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d81b93cf2b56e51e3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>New construction involving loose contracts with various contractors who take on the construction. Coordination and construction supervision is done by a &#8220;<em>maitre d&#8217;ouevre&#8221; (project manager who coordinates and supervises construction)<\/em>.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a7bc67d343e2446cc fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a7bc67d343e2446cc\"><a aria-expanded=\"false\" aria-controls=\"a7bc67d343e2446cc\" role=\"button\" data-toggle=\"collapse\" data-target=\"#a7bc67d343e2446cc\" href=\"#a7bc67d343e2446cc\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Building permit<\/span><\/a><\/h4><\/div><div id=\"a7bc67d343e2446cc\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a7bc67d343e2446cc\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>A fully documented building permit application should be made to local authorities. The purchase of building land often includes a condition precedent in case the building permit is unexpectedly not granted.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-77f5d9b1357698121 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_77f5d9b1357698121\"><a aria-expanded=\"false\" aria-controls=\"77f5d9b1357698121\" role=\"button\" data-toggle=\"collapse\" data-target=\"#77f5d9b1357698121\" href=\"#77f5d9b1357698121\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">DIY<\/span><\/a><\/h4><\/div><div id=\"77f5d9b1357698121\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_77f5d9b1357698121\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Self-construction or renovations that people want to do themselves are not financed by French banks.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-935ab1a65ea9c70d3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_935ab1a65ea9c70d3\"><a aria-expanded=\"false\" aria-controls=\"935ab1a65ea9c70d3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#935ab1a65ea9c70d3\" href=\"#935ab1a65ea9c70d3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Assurance dommage ouvrage<\/span><\/a><\/h4><\/div><div id=\"935ab1a65ea9c70d3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_935ab1a65ea9c70d3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>This umbrella insurance provides coverage against situations where a builder or architect (or their insurance company) does not consider themselves liable for construction defects in new construction or major remodeling. Potentially years of legal battles then await. The <em>Assurance dommage ouvrage<\/em> removes these uncertainties and the insurer ensures immediate recovery and takes up the legal battle on your behalf towards the construction company or architect. Insurance is required by law, and banks often mandate such insurance.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-42e7c4335967c7dd2 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_42e7c4335967c7dd2\"><a aria-expanded=\"false\" aria-controls=\"42e7c4335967c7dd2\" role=\"button\" data-toggle=\"collapse\" data-target=\"#42e7c4335967c7dd2\" href=\"#42e7c4335967c7dd2\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">New construction valuation<\/span><\/a><\/h4><\/div><div id=\"42e7c4335967c7dd2\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_42e7c4335967c7dd2\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Appraisal for new construction or remodeling is done by an appraiser&#8217;s assessment of the future value after completion (based on the construction plans).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-b84026cdee033fdc3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b84026cdee033fdc3\"><a aria-expanded=\"false\" aria-controls=\"b84026cdee033fdc3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#b84026cdee033fdc3\" href=\"#b84026cdee033fdc3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Release of mortgage funds<\/span><\/a><\/h4><\/div><div id=\"b84026cdee033fdc3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b84026cdee033fdc3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Release of mortgage funds is made from construction deposits at the client&#8217;s call as works progress and invoices come in. The condition is that a mortgage guarantee is placed on the land by mortgage deed. With most banks, the mortgage remains repayable until the construction deposit is drawn in its entirety (usually with a maximum term of max 2 years). Interest is then paid on the released funds and a commitment fee on the mortgage funds not yet released.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-11 verhuurobjecten\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-11\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-11\" data-dismiss=\"modal\" aria-hidden=\"true\">Rental objects<\/h3><\/div><div class=\"modal-body fusion-clearfix\">\n<div class=\"fusion-text fusion-text-19\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Seasonal rental of a French vacation rental house is quite common and mortgage lending French banks are fine with it. Only when a property is overwhelmingly going to be the source of the (only) income in the future do people not want to finance it regularly. Rental income is taxed in France and not in the Netherlands. A tax return on this income must therefore be filed in France.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-11\"><div class=\"fusion-panel panel-default panel-1d088034050532085 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1d088034050532085\"><a aria-expanded=\"false\" aria-controls=\"1d088034050532085\" role=\"button\" data-toggle=\"collapse\" data-target=\"#1d088034050532085\" href=\"#1d088034050532085\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Financing and rental plans<\/span><\/a><\/h4><\/div><div id=\"1d088034050532085\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1d088034050532085\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks usually have no problem with seasonal rental of a house purchased with a mortgage based on existing income. What is important is that the property is not too commercial in nature. So existing Chambres d&#8217;hotes \/ Bed &amp; Breakfasts, hotels, or properties with multiple gites or lots of rooms (with separate bathrooms) may lead the bank to conclude that there are plans other than purely private use and occasional seasonal rentals. When banks suspect that prospective clients have plans to &#8220;change course&#8221; and start or take over a tourism business in France, they conclude that the existing income will end and that the requested mortgage is in fact <u>business financing<\/u>  is.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c73dad07b983f5ec5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c73dad07b983f5ec5\"><a aria-expanded=\"false\" aria-controls=\"c73dad07b983f5ec5\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c73dad07b983f5ec5\" href=\"#c73dad07b983f5ec5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Residence de tourisme (Leaseback)<\/span><\/a><\/h4><\/div><div id=\"c73dad07b983f5ec5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c73dad07b983f5ec5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Purchase of a French house or apartment that is newly built where there is the tax benefit of VAT refund are so-called <em>residence de tourisme<\/em> properties. Attached to the VAT refund is the obligation of furnished seasonal rental of at least 9 years. In addition, VAT refunds are subject to additional requirements &#8211; including a reception desk, linen service and cleaning &#8211; in which operation by a rental organization &#8211; with which the owner draws up an operating agreement &#8211; is indispensable.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-09471bd2fefff6266 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_09471bd2fefff6266\"><a aria-expanded=\"false\" aria-controls=\"09471bd2fefff6266\" role=\"button\" data-toggle=\"collapse\" data-target=\"#09471bd2fefff6266\" href=\"#09471bd2fefff6266\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Tax on rental income<\/span><\/a><\/h4><\/div><div id=\"09471bd2fefff6266\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_09471bd2fefff6266\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The tax treaty between the Netherlands and France provides that France may levy taxes on assets in the form of real estate located in France such as a second residence. As a result, the (net) value of a French house is taxed in France and no longer in the Netherlands (box 3). Rental income is taxed in France and thus should be taxed in France.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-106b6bb46ba5f7bb8 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_106b6bb46ba5f7bb8\"><a aria-expanded=\"false\" aria-controls=\"106b6bb46ba5f7bb8\" role=\"button\" data-toggle=\"collapse\" data-target=\"#106b6bb46ba5f7bb8\" href=\"#106b6bb46ba5f7bb8\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">French house as retirement<\/span><\/a><\/h4><\/div><div id=\"106b6bb46ba5f7bb8\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_106b6bb46ba5f7bb8\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Renting out a French house partially financed by a mortgage can be an interesting addition to retirement. When rental income covers the mortgage and other expenses then the house &#8220;comes to you&#8221; because after full mortgage repayment there remains a mortgage-free home that generates rental income.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-ea48b70f3de560419 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_ea48b70f3de560419\"><a aria-expanded=\"false\" aria-controls=\"ea48b70f3de560419\" role=\"button\" data-toggle=\"collapse\" data-target=\"#ea48b70f3de560419\" href=\"#ea48b70f3de560419\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Rental platforms<\/span><\/a><\/h4><\/div><div id=\"ea48b70f3de560419\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_ea48b70f3de560419\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>There are several rental platforms for second homes. These platforms offer services of varying degrees. From rental mediation only (via a booking module) to complete outsourcing of the rental including local handling.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-12 acceptatieonderpand\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-12\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-12\" data-dismiss=\"modal\" aria-hidden=\"true\">Acceptance of collateral<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-20\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>French banks are critical of the type of property to be financed. Houses that are not habitable or are located very remote are considered insufficiently current and are often not financeable through a bank. Banks are also particularly reluctant to mortgage special properties such as castles and wine estates. The fact that enforcing the collateral by auction is also not a guarantee of success in France plays an important role here.<\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-12\"><div class=\"fusion-panel panel-default panel-20edcd0d4b0110a5a fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_20edcd0d4b0110a5a\"><a aria-expanded=\"false\" aria-controls=\"20edcd0d4b0110a5a\" role=\"button\" data-toggle=\"collapse\" data-target=\"#20edcd0d4b0110a5a\" href=\"#20edcd0d4b0110a5a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Courant collateral<\/span><\/a><\/h4><\/div><div id=\"20edcd0d4b0110a5a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_20edcd0d4b0110a5a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>French banks do not want to finance all houses. Only those houses that are sufficiently current in their eyes, i.e. houses that &#8211; should the (financial) need arise &#8211; can be sold again somewhat smoothly, are they willing to finance.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-1beef13cfb12e8bcd fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_1beef13cfb12e8bcd\"><a aria-expanded=\"false\" aria-controls=\"1beef13cfb12e8bcd\" role=\"button\" data-toggle=\"collapse\" data-target=\"#1beef13cfb12e8bcd\" href=\"#1beef13cfb12e8bcd\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Habitability<\/span><\/a><\/h4><\/div><div id=\"1beef13cfb12e8bcd\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_1beef13cfb12e8bcd\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Houses that are in such poor condition that they are not habitable will not want to be financed by a bank. Core elements of this are that, at a minimum, a house should have running water, a somewhat up-to-date electricity supply, heating, a sewer connection or functioning septic tank, a kitchen and a bathroom. If the renovations required to bring the house into a good habitable condition are co-financed then this usually overcomes the bank&#8217;s objections.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d8136b7cf3abca048 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d8136b7cf3abca048\"><a aria-expanded=\"false\" aria-controls=\"d8136b7cf3abca048\" role=\"button\" data-toggle=\"collapse\" data-target=\"#d8136b7cf3abca048\" href=\"#d8136b7cf3abca048\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Location<\/span><\/a><\/h4><\/div><div id=\"d8136b7cf3abca048\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d8136b7cf3abca048\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Very remote situated houses &#8211; far from a village or town &#8211; and far from &#8220;civilization&#8221; are more difficult to finance than houses that are more &#8220;in civilization. There are also certain obsolete regions where banks are more reluctant to finance than in regions with booming housing markets. For example, there are parts of the Auvergne region where there is a net outflow of residents and housing market is very thin.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-dd5a7a0b79918049b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_dd5a7a0b79918049b\"><a aria-expanded=\"false\" aria-controls=\"dd5a7a0b79918049b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#dd5a7a0b79918049b\" href=\"#dd5a7a0b79918049b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Special objects<\/span><\/a><\/h4><\/div><div id=\"dd5a7a0b79918049b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_dd5a7a0b79918049b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Objects such as castles, wine estates, water mills, churches converted into homes are difficult to finance. There is a (very) small market for this type of special property and sales can take years. Houses that are very A-typical for the region can also be a problem, as can houses with a lot of land (tens of hectares). Indeed, banks are wondering if such a &#8220;non-resident buyer&#8221; is going to manage to maintain all that land.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a365b26cec46192d9 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a365b26cec46192d9\"><a aria-expanded=\"false\" aria-controls=\"a365b26cec46192d9\" role=\"button\" data-toggle=\"collapse\" data-target=\"#a365b26cec46192d9\" href=\"#a365b26cec46192d9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Recreational homes<\/span><\/a><\/h4><\/div><div id=\"a365b26cec46192d9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a365b26cec46192d9\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Basic condition for financing for French banks is that permanent habitation is allowed and there is a residential use on the house. With recreational homes (on a recreational park) or wooden chalet construction (this does not mean a chalet in the Alps), this is usually not the case and therefore mortgage financing is not possible.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5f6d930ccbe66605f fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5f6d930ccbe66605f\"><a aria-expanded=\"false\" aria-controls=\"5f6d930ccbe66605f\" role=\"button\" data-toggle=\"collapse\" data-target=\"#5f6d930ccbe66605f\" href=\"#5f6d930ccbe66605f\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Enforcement of collateral by auction<\/span><\/a><\/h4><\/div><div id=\"5f6d930ccbe66605f\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5f6d930ccbe66605f\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Contributing a very large portion of your own money to a purchase increases the chances of winning over the bank to finance. But for many objects, that is often not enough either. At play here is the fact that the system of reclaiming collateral by auctioning it &#8211; as the ultimate consequence of no longer (being able to) meet monthly mortgage obligations &#8211; does not work well in all regions in France. After all, sometimes a house also fails to sell at auction for a sufficient amount.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-6a91ec4171a5c5ffd fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_6a91ec4171a5c5ffd\"><a aria-expanded=\"false\" aria-controls=\"6a91ec4171a5c5ffd\" role=\"button\" data-toggle=\"collapse\" data-target=\"#6a91ec4171a5c5ffd\" href=\"#6a91ec4171a5c5ffd\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Commercial property<\/span><\/a><\/h4><\/div><div id=\"6a91ec4171a5c5ffd\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_6a91ec4171a5c5ffd\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Houses or properties where it is abundantly clear to a bank that they will be operated as commercial properties in the future (for example, in the tourism sector) are not financed as second homes based on existing income. In doing so, some banks are more rigorous than others. For some it is already a bridge too far if there is a large stable near a house or a piece of land on which small-scale farming takes place. It is feared that an equestrian center\/stable will be started or an agricultural business, which will generate the income in the future.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-13 bedrijfsplannen-financieren\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-13\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-13\" data-dismiss=\"modal\" aria-hidden=\"true\">Funding business plans<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-21\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Hypotheek &amp; Buitenland does not currently accompany applications for business financing in France. Thus, we cannot help with mortgage applications for starting or taking over a property in the tourism sector, where it is clear that the existing income in the Netherlands will be lost. The services of Hypotheek &amp; Buitenland are currently limited to mortgage advice and mediation for the purchase of a second or vacation home. For advice on business financing, see the section FINANCE WITHOUT BANK<\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-13\"><div class=\"fusion-panel panel-default panel-d059808f97e09bcd9 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d059808f97e09bcd9\"><a aria-expanded=\"false\" aria-controls=\"d059808f97e09bcd9\" role=\"button\" data-toggle=\"collapse\" data-target=\"#d059808f97e09bcd9\" href=\"#d059808f97e09bcd9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Entrepreneurship in the tourism industry<\/span><\/a><\/h4><\/div><div id=\"d059808f97e09bcd9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d059808f97e09bcd9\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you have plans to start \/ take over a Chambres d&#8217;h\u00f4tes \/ Bed &amp; Breakfast , operate gtes, buy or start a (mini) campground or hotel where the property to be purchased in France is central and where the future income stream resulting from the business activities is required to meet the monthly mortgage payments, then that no longer falls under applying for a regular mortgage based on existing income. That&#8217;s when enterprise financing is involved. If you want to qualify, then &#8211; as in the Netherlands &#8211; a business loan will have to be applied for at a local bank where the business plan &#8211; and thus the future expected income stream &#8211; is the basis.<\/p>\n<p>Hypotheek &amp; Buitenland cannot guide you through this type of process and cannot assist you in applying for business loans with French banks. Our services are limited exclusively to advising and mediating the acquisition of mortgage credit where an existing and steady income forms the basis for the purchase of a second or vacation home.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-86b5e75f10751627b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_86b5e75f10751627b\"><a aria-expanded=\"false\" aria-controls=\"86b5e75f10751627b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#86b5e75f10751627b\" href=\"#86b5e75f10751627b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Peer-to-peer financing or crowdfunding<\/span><\/a><\/h4><\/div><div id=\"86b5e75f10751627b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_86b5e75f10751627b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>An increasingly common route for funding business plans is to find a loan through a crowdfunding platform. For advice on this type of business financing, see the section.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-24a770308891738d8 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_24a770308891738d8\"><a aria-expanded=\"false\" aria-controls=\"24a770308891738d8\" role=\"button\" data-toggle=\"collapse\" data-target=\"#24a770308891738d8\" href=\"#24a770308891738d8\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Initially as a second home<\/span><\/a><\/h4><\/div><div id=\"24a770308891738d8\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_24a770308891738d8\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In some exceptional cases, it is possible for a property in France &#8211; where the plan is to do business there in the future &#8211; to be purchased initially as a second home. This is possible only if a bank is convinced that there are no plans to move to France in the near future and build a new life (with a new source of income) there.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-14 kosten-aankoop-en-doorlopende-kosten\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-14\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-14\" data-dismiss=\"modal\" aria-hidden=\"true\">Purchase and ongoing costs<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-22\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>The &#8220;buyer&#8217;s fees&#8221; (also known as &#8220;notary fees&#8221;) generally include the total costs due in taxes and notary fees. These costs are twofold: one part the costs related to the purchase of the property and the second part related to the notarization of the mortgage. When buying existing construction, the rule of thumb that the total cost is about 7.5% cost is quite accurate. Please contact Mortgage &amp; Abroad if you would like a detailed calculation of the cost of buyer.<\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-14\"><div class=\"fusion-panel panel-default panel-291bab30e780810dc fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_291bab30e780810dc\"><a aria-expanded=\"false\" aria-controls=\"291bab30e780810dc\" role=\"button\" data-toggle=\"collapse\" data-target=\"#291bab30e780810dc\" href=\"#291bab30e780810dc\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Cost of buyer existing construction<\/span><\/a><\/h4><\/div><div id=\"291bab30e780810dc\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_291bab30e780810dc\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Transfer tax and departmental stamp duty are payable when purchasing existing construction. In addition, the buyer pays the notary&#8217;s fee for his services. The size of both elements are fixed in France. There are (marginal) regional differences in the size of departmental stamp duties.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d39f018ace1018c01 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d39f018ace1018c01\"><a aria-expanded=\"false\" aria-controls=\"d39f018ace1018c01\" role=\"button\" data-toggle=\"collapse\" data-target=\"#d39f018ace1018c01\" href=\"#d39f018ace1018c01\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Cost of buyer for new construction<\/span><\/a><\/h4><\/div><div id=\"d39f018ace1018c01\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d39f018ace1018c01\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>New construction involves notary fees for the purchase of the land and notary fees related to the notarization of the mortgage. The type of mortgage registration for new construction is different from existing construction. New construction involves a conventional full mortgage registration<em>(Hypoth\u00e8que conventionnelle<\/em>) whereas for existing construction &#8211; the cheaper &#8211; mortgage registration &#8220;light&#8221; suffices: the PPD<em>(Privil\u00e8ge de Pr\u00eateur de Deniers<\/em>).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5dfa086a897c564a3 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5dfa086a897c564a3\"><a aria-expanded=\"false\" aria-controls=\"5dfa086a897c564a3\" role=\"button\" data-toggle=\"collapse\" data-target=\"#5dfa086a897c564a3\" href=\"#5dfa086a897c564a3\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Caution<\/span><\/a><\/h4><\/div><div id=\"5dfa086a897c564a3\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5dfa086a897c564a3\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In France, it is not unusual for a mortgage guarantee to be established in the form of a <em>caution<\/em>. In effect, the lending bank then receives a bond from the <em>cautionnaire<\/em> (a credit insurer specializing in this) that guarantees repayment of the loan amount if the borrower defaults. Intervention of a notary is not required and therefore a <em>caution<\/em> is a favorable solution for the borrowing party because it is cheaper than a traditional mortgage guarantee. Instead, the borrowing party pays a percentage on the amount borrowed. In the event of default and therefore when the guarantor is called upon, the guarantor will also eventually turn to the borrower to demand repayment of the amount borrowed. Only a few regional banks offer this option for non-resident customers.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-9becbba3a9e0129a4 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_9becbba3a9e0129a4\"><a aria-expanded=\"false\" aria-controls=\"9becbba3a9e0129a4\" role=\"button\" data-toggle=\"collapse\" data-target=\"#9becbba3a9e0129a4\" href=\"#9becbba3a9e0129a4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Additional costs  <\/span><\/a><\/h4><\/div><div id=\"9becbba3a9e0129a4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_9becbba3a9e0129a4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In addition to the buyer&#8217;s cost, other costs are often involved, such as costs for a building inspection, the legal check of the purchase agreement, an appraisal, translations, legal, tax and financial advice and &#8211; if applicable &#8211; the formation costs of an SCI.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-2d7da1d0e902a0c0a fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_2d7da1d0e902a0c0a\"><a aria-expanded=\"false\" aria-controls=\"2d7da1d0e902a0c0a\" role=\"button\" data-toggle=\"collapse\" data-target=\"#2d7da1d0e902a0c0a\" href=\"#2d7da1d0e902a0c0a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Ongoing costs when owned<\/span><\/a><\/h4><\/div><div id=\"2d7da1d0e902a0c0a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_2d7da1d0e902a0c0a\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Once you own the house, you will owe annual local taxes; the <em>taxe fonciere <\/em>and the<em> taxe d&#8217;habitation.<\/em> Also take into account the annual recurring costs, when purchased in an SCI. Annual accounting and tax consulting fees are then involved or &#8211; if you do not choose not to file a tax return &#8211; 3% of the net value (house value -\/- size of mortgage) of the house.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-7f04c4b32e63a7b3b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_7f04c4b32e63a7b3b\"><a aria-expanded=\"false\" aria-controls=\"7f04c4b32e63a7b3b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#7f04c4b32e63a7b3b\" href=\"#7f04c4b32e63a7b3b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Plus Value tax<\/span><\/a><\/h4><\/div><div id=\"7f04c4b32e63a7b3b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_7f04c4b32e63a7b3b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The <em>plus value<\/em> tax is a French tax meant to discourage property speculation and is due when you sell the house at a profit. The longer the house is in your possession the lower the taxes owed. After a certain period, you owe no <em>plus value<\/em> taxes at all when you sell.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-16291dd4558c8800d fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_16291dd4558c8800d\"><a aria-expanded=\"false\" aria-controls=\"16291dd4558c8800d\" role=\"button\" data-toggle=\"collapse\" data-target=\"#16291dd4558c8800d\" href=\"#16291dd4558c8800d\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Box 3<\/span><\/a><\/h4><\/div><div id=\"16291dd4558c8800d\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_16291dd4558c8800d\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>On equity put into a French house, the tax treaty between the Netherlands and France agrees that France may in principle levy taxes on it. Specifically, the house does have to be declared in the Netherlands in the tax return, but a &#8220;double taxation avoidance&#8221; is applied that makes the net value of the house <u>not<\/u> included in the box 3 calculation. In contrast, wealth tax is levied on real estate assets in France<em>(Imp\u00f4t sur la fortune immobili\u00e8re (IFI))<\/em>, but there high thresholds are involved and the levy is usually zero. Only when the thresholds are exceeded &#8211; and that is for amounts greater than 1.3 million &#8211; will France effectively levy.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-15 goede-voorbereiding\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-15\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-15\" data-dismiss=\"modal\" aria-hidden=\"true\">Good preparation<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-23\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Being well-prepared is often half the battle and, once you get deeper into the buying process, it prevents stress and panic attacks. In short, to be well prepared is to buy carefully and in a controlled manner. We can also be of service to you already in the preparation process. We have an extensive network of notaries, specialized legal advisors and tax specialists. But also specialists who can perform a building inspection.<\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-15\"><div class=\"fusion-panel panel-default panel-631f38682e574589c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_631f38682e574589c\"><a aria-expanded=\"false\" aria-controls=\"631f38682e574589c\" role=\"button\" data-toggle=\"collapse\" data-target=\"#631f38682e574589c\" href=\"#631f38682e574589c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Please read in<\/span><\/a><\/h4><\/div><div id=\"631f38682e574589c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_631f38682e574589c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Is buying and owning a house in France really for you? And how do you address it? There are legions of books available on this subject.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-bbcc4f46dbcec0f38 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_bbcc4f46dbcec0f38\"><a aria-expanded=\"false\" aria-controls=\"bbcc4f46dbcec0f38\" role=\"button\" data-toggle=\"collapse\" data-target=\"#bbcc4f46dbcec0f38\" href=\"#bbcc4f46dbcec0f38\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">French<\/span><\/a><\/h4><\/div><div id=\"bbcc4f46dbcec0f38\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_bbcc4f46dbcec0f38\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you are going to buy a house in France then some knowledge of the French language is essential. It starts with language, even in France.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-17be67fd0a1a48c84 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_17be67fd0a1a48c84\"><a aria-expanded=\"false\" aria-controls=\"17be67fd0a1a48c84\" role=\"button\" data-toggle=\"collapse\" data-target=\"#17be67fd0a1a48c84\" href=\"#17be67fd0a1a48c84\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What can you borrow<\/span><\/a><\/h4><\/div><div id=\"17be67fd0a1a48c84\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_17be67fd0a1a48c84\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you do not know what you have to spend then you cannot search for a house. Get advice on this; based on available equity and your borrowing capacity, the buying budget can be determined. Contact us for a free exploratory &#8220;quick scan&#8221; and possibly a pre-application.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-eafec6874340dc4e5 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_eafec6874340dc4e5\"><a aria-expanded=\"false\" aria-controls=\"eafec6874340dc4e5\" role=\"button\" data-toggle=\"collapse\" data-target=\"#eafec6874340dc4e5\" href=\"#eafec6874340dc4e5\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Make a time schedule<\/span><\/a><\/h4><\/div><div id=\"eafec6874340dc4e5\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_eafec6874340dc4e5\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Good planning gives overview and thus control of your project. Create a timeline showing approximately how much time you will spend on each stage of the buying process.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8f8a429f4705d0ede fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8f8a429f4705d0ede\"><a aria-expanded=\"false\" aria-controls=\"8f8a429f4705d0ede\" role=\"button\" data-toggle=\"collapse\" data-target=\"#8f8a429f4705d0ede\" href=\"#8f8a429f4705d0ede\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Delineate the area within which you want to search.<\/span><\/a><\/h4><\/div><div id=\"8f8a429f4705d0ede\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8f8a429f4705d0ede\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Avoid dwelling too much on multiple thoughts (regions). Focus on a particular French region and thus avoid an overly broad orientation that will cost you too much time and make it just search and your plan will never become concrete.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-91ac445ec36232b86 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_91ac445ec36232b86\"><a aria-expanded=\"false\" aria-controls=\"91ac445ec36232b86\" role=\"button\" data-toggle=\"collapse\" data-target=\"#91ac445ec36232b86\" href=\"#91ac445ec36232b86\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Get started on completing your own file.  <\/span><\/a><\/h4><\/div><div id=\"91ac445ec36232b86\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_91ac445ec36232b86\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>To be prepared for applying for a mortgage later, it is very wise to prepare for it at this stage. In fact, a lot of documents will be requested regarding your identity, income, expenses and future collateral.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-5fa87fee3908ac50c fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_5fa87fee3908ac50c\"><a aria-expanded=\"false\" aria-controls=\"5fa87fee3908ac50c\" role=\"button\" data-toggle=\"collapse\" data-target=\"#5fa87fee3908ac50c\" href=\"#5fa87fee3908ac50c\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Create an apron list of specialists and consultants you can engage<\/span><\/a><\/h4><\/div><div id=\"5fa87fee3908ac50c\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_5fa87fee3908ac50c\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>If you have never bought a house in France before, it is unwise to want to handle the purchase without outside help. You will find that it is impractical to have to reinvent the wheel on every subject. Moreover, a good advisor makes his money back. Identify which advisors you can approach; for example, regarding advice on the content of the purchase agreement<em>(Compromis de Vente<\/em>), tax advice or an architectural inspection.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-00fdda8256f7e51bb fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_00fdda8256f7e51bb\"><a aria-expanded=\"false\" aria-controls=\"00fdda8256f7e51bb\" role=\"button\" data-toggle=\"collapse\" data-target=\"#00fdda8256f7e51bb\" href=\"#00fdda8256f7e51bb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Choice of French notary<\/span><\/a><\/h4><\/div><div id=\"00fdda8256f7e51bb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_00fdda8256f7e51bb\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>You may nominate your own preferred French notary. If you already know where you are going to buy then it may make sense to choose a notary already. Hypotheek &amp; Buitenland can help you find a notary who is familiar with foreign clients and also speaks English or even Dutch.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-a1c212893e1117c67 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a1c212893e1117c67\"><a aria-expanded=\"false\" aria-controls=\"a1c212893e1117c67\" role=\"button\" data-toggle=\"collapse\" data-target=\"#a1c212893e1117c67\" href=\"#a1c212893e1117c67\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Notarized power of attorney<\/span><\/a><\/h4><\/div><div id=\"a1c212893e1117c67\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a1c212893e1117c67\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>We can help you prepare a notarized power of attorney to complete the purchase from the Netherlands (i.e. without having to travel to France to sign personally with the notary). We have contacts with a Dutch notary where the process of making the power of attorney and apostille can be arranged remotely (via video call).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-26b6c356a76c79a8b fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_26b6c356a76c79a8b\"><a aria-expanded=\"false\" aria-controls=\"26b6c356a76c79a8b\" role=\"button\" data-toggle=\"collapse\" data-target=\"#26b6c356a76c79a8b\" href=\"#26b6c356a76c79a8b\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Buying into an SCI or SARL de famille<\/span><\/a><\/h4><\/div><div id=\"26b6c356a76c79a8b\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_26b6c356a76c79a8b\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>When it is clear that buying into an <em>SCI<\/em> or <em>SARL de famille<\/em> is really the best choice for you, it is important to realize that you are going to set up a company in France. There will have to be articles of association, a deed of incorporation, registration with the French Chamber of Commerce, and the company must be registered with the French tax authorities. In addition, a bank account in the name of the company will need to be opened. We can put you in touch with a Dutch agency specializing in this.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-c1f15ec94b5abe5c7 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c1f15ec94b5abe5c7\"><a aria-expanded=\"false\" aria-controls=\"c1f15ec94b5abe5c7\" role=\"button\" data-toggle=\"collapse\" data-target=\"#c1f15ec94b5abe5c7\" href=\"#c1f15ec94b5abe5c7\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Estate planning  <\/span><\/a><\/h4><\/div><div id=\"c1f15ec94b5abe5c7\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c1f15ec94b5abe5c7\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Especially with somewhat larger purchase amounts, it is wise to think about &#8220;estate planning&#8221; in advance; in other words, avoiding paying (too much) inheritance and inheritance tax in the future. To this end, it makes sense to make choices regarding the legal design of the purchase prior to the purchase. Hypotheek &amp; Buitenland can put you in touch with legal advisors specialized in this.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-00446bf77a1b1d138 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_00446bf77a1b1d138\"><a aria-expanded=\"false\" aria-controls=\"00446bf77a1b1d138\" role=\"button\" data-toggle=\"collapse\" data-target=\"#00446bf77a1b1d138\" href=\"#00446bf77a1b1d138\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Checklist<\/span><\/a><\/h4><\/div><div id=\"00446bf77a1b1d138\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_00446bf77a1b1d138\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Would you like to receive a comprehensive checklist? Contact Mortgage &amp; Abroad.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><div class=\"fusion-modal modal fade modal-16 hypotheek-oversluiten\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"modal-heading-16\" aria-hidden=\"true\" style=\"--awb-border-color:#e2e2e2;--awb-background:#ffffff;\"><div class=\"modal-dialog modal-lg\" role=\"document\"><div class=\"modal-content fusion-modal-content\"><div class=\"modal-header\"><button class=\"close\" type=\"button\" data-dismiss=\"modal\" aria-hidden=\"true\" aria-label=\"Close\">&times;<\/button><h3 class=\"modal-title\" id=\"modal-heading-16\" data-dismiss=\"modal\" aria-hidden=\"true\">Mortgage transfer<\/h3><\/div><div class=\"modal-body fusion-clearfix\"><div class=\"fusion-text fusion-text-24\" style=\"--awb-content-alignment:left;--awb-font-size:20px;\"><p>Refinancing an existing mortgage on a French home is possible with some banks, but on modified terms. Furthermore, it is only possible to transfer loans that are notarized and with a mortgage guarantee.<\/p>\n<p><strong>The costs can be significant. Especially if a high loan prepayment penalty is involved.<\/strong><\/p>\n<\/div>\n<div class=\"accordian fusion-accordian\" style=\"--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9fb;--awb-border-color:#e2e2e2;--awb-background-color:#ffffff;--awb-divider-color:#e2e2e2;--awb-divider-hover-color:#e2e2e2;--awb-icon-color:#ffffff;--awb-title-color:#212934;--awb-content-color:#4a4e57;--awb-icon-box-color:#722138;--awb-toggle-hover-accent-color:#9babbf;--awb-title-font-family:&quot;Heebo&quot;;--awb-title-font-weight:400;--awb-title-font-style:normal;--awb-title-font-size:20px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-951-16\"><div class=\"fusion-panel panel-default panel-fbc9e29f4e0eb5c31 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_fbc9e29f4e0eb5c31\"><a aria-expanded=\"false\" aria-controls=\"fbc9e29f4e0eb5c31\" role=\"button\" data-toggle=\"collapse\" data-target=\"#fbc9e29f4e0eb5c31\" href=\"#fbc9e29f4e0eb5c31\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Notarized mortgage-backed loans  <\/span><\/a><\/h4><\/div><div id=\"fbc9e29f4e0eb5c31\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_fbc9e29f4e0eb5c31\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>&#8216;Revolving&#8217; or refinancing an existing mortgage resting on the French house is possible with some French banks. The condition is that the current loan is notarized with a mortgage guarantee. Otherwise, banks don&#8217;t want to refinance.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d03674c431f3d4d90 fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d03674c431f3d4d90\"><a aria-expanded=\"false\" aria-controls=\"d03674c431f3d4d90\" role=\"button\" data-toggle=\"collapse\" data-target=\"#d03674c431f3d4d90\" href=\"#d03674c431f3d4d90\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Custom terms and conditions<\/span><\/a><\/h4><\/div><div id=\"d03674c431f3d4d90\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d03674c431f3d4d90\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>The conditions under which French banks are willing to refinance are often different from those of a regular purchase. Typically, one is more cautious and one looks with critical eyes at the motive for refinancing. This is often reflected in a lower maximum financing rate and a shorter term.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-77f7f6df98102bfdc fusion-toggle-has-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_77f7f6df98102bfdc\"><a aria-expanded=\"false\" aria-controls=\"77f7f6df98102bfdc\" role=\"button\" data-toggle=\"collapse\" data-target=\"#77f7f6df98102bfdc\" href=\"#77f7f6df98102bfdc\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Cost<\/span><\/a><\/h4><\/div><div id=\"77f7f6df98102bfdc\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_77f7f6df98102bfdc\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>When refinancing\/transferring, you will face costs such as deregistering the existing mortgage<em>(frais mainlev\u00e9e<\/em>) and registering the new mortgage<em>(garantie hypoth\u00e9caire<\/em>). But also with the bank&#8217;s filing fees, advisory fees and most importantly; the penalties for early repayment of the existing mortgage.<\/p>\n<p>The key question, of course, is whether the costs outweigh the benefits.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"modal-footer\"><button class=\"fusion-button button-default button-medium button default medium\" type=\"button\" data-dismiss=\"modal\">Close<\/button><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-951","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>France | Hypotheek &amp; Buitenland<\/title>\r\n<meta name=\"description\" content=\"Hypotheek &amp; 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