MBA France

Mortgages in France


 

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A mortgage is a loan you take out to buy property. Most banks as well as specialist mortgage lending companies and building societies offer mortgages.

There are a few regulations in the French banking system that might be quite different to those you are accustomed to when dealing with your local home bank. Here are some of the ground rules you need to be familiar with before applying for a French mortgage:
  • Maximum duration of 25 years.
  • Security only taken out on the property in France.
  • Personal income and savings lays the foundation for the mortgage.
  • All nationalities are welcome, but the % borrowed might be capped differently.
  • Maximum percent is 85% of the purchasing, the usual is between 70% and 80%.
  • Companies registrated outside France cannot get a mortgage.
  • Your debt ratio cannot exceed 33% of your net income (however this rule is changing, so we can now offer a debt ratio of as much as 45% on the second period of an interest only mortgage).

Mortgage Companies

Crédit Foncier

Crédit Foncier Your Crédit Foncier adviser is a specialist in real-estate financing, fully qualified to recommend the best solutions for bringing your projects to a successful conclusion. He will accompany you, in English, throughout the entire buying process. We are also able to provide assistance in other European languages. Don't hesitate to ask our advisers who will be delighted to guide you towards the network of partners we have created with you, our customer, in mind.

Website: Crédit Foncier

FMX French mortgage xpress

FMX French mortgage xpress French Mortgage Xpress is a mortgage broker dedicated to obtaining Euro mortgages for residents and non-residents at the best rates and within the fastest possible time. Because of the volume of loans processed by FMX with French mortgage providers, FMX can negotiate best rates and fastest turn-around times for FMX clients. All types of loans are available including standard repayment, fixed interest, and interest only for up to 25 years.

Website: FMX French mortgage xpress

MortgageFrance

MortgageFrance Mortgagefrance.com is an independent mortgage broking business, we have over 18 years experience of arranging mortgages and working in the Financial Services Industry in the UK. Like many other people, we fell in love with France and the French way of life. We moved here and now provide our services to others who live and work in France or who are wanting to make the move to France and buy a property either as their first home or as a holiday home.

Website: MortgageFrance

Mortgages Guide

Mortgages A mortgage represents a loan or lien on a property/house that has to be paid over a specified period of time. Think of it as your personal guarantee that you'll repay the money you've borrowed to buy your home. Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages. Make sure you select the mortgage that is right for you, your future plans, and your financial picture.

Website: Mortgages


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