France 🇫🇷
Discover high-end properties in France's most desirable locations, from Paris to the French Riviera.
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Marseille
Overview
Discover high-end properties in France's most desirable locations.
Laws & Regulations
- Non-residents can purchase property without restrictions
- Wealth tax applies to high-value properties
- Notary fees and stamp duty apply to purchases
Investment Programs
- Leaseback schemes for holiday properties
- Tax credits for energy-efficient renovations
Resident
stamp Duty
Purchase Tax (Droits de Mutation - DM) usually includes main rights and fees:
Rates:
- Standard rate: 5% to 6% of purchase value
Additional Rate: An additional 0.1% fee may be charged
property Tax
Annual Property Tax (Taxe Foncière) paid by the owner:
Rates:
On average 0.1% to 1.0% of the cadastral value of the property
capital Gains Tax
Capital Gains Tax (Plus-Value Immobilière) on property sales:
Rates:
- Standard rate: 19% on capital gains plus 17.2% social contributions, totaling 36.2%
rental Income Tax
Income Tax on Rental Income (Impôt sur le Revenu - IR):
Rates:
- Progressive scale: 0% to 45% depending on total income
Non-Resident
stamp Duty
Non-residents pay the same purchase tax as residents:
Additional Rate: 5% to 6% of purchase value, with additional documentation required
property Tax
Non-residents are subject to the same annual property tax:
Rates: 0.1% to 1.0% of the cadastral value of the property
capital Gains Tax
Non-residents must pay Capital Gains Tax on property sales:
Rates: 19% on capital gains plus 17.2% social contributions, totaling 36.2%
Reporting Period: Declaration must be filed within 30 days of sale
rental Income Tax
Non-residents must pay tax on rental income:
Rates: Progressive scale from 0% to 45% based on income
Additional Requirements: May require additional reporting
Mortgage conditions in France:
Average Rates:
2 Year Fixed: 1.5% to 2.5%
5 Year Fixed: 1.5% to 2.5%
Deposit:
Usually requires a down payment of 10% to 20% of the property value
Title Issues
Important to conduct thorough property rights and debt checks.
Estimated Cost: €500 to €1,000 for legal verification
Hidden Defects
Errors in notarial deeds or existing debts can lead to legal disputes.
Inspection Cost: Recommended to work with experienced notaries and lawyers
Squatter issues can lead to lengthy and costly eviction processes, taking 6 months to a year.
Estimated Legal Costs: €1,500 to €5,000
Resident
interest Rates
Interest rates for French tax residents range from 1.5% to 2.5% per annum for fixed rates. Variable rates may fluctuate based on the Euribor index, currently at 4.12%, plus a margin of about 1%-1.5%.
Range: 1.5% to 2.5%
Source: Pap.fr - Taux des crédits immobiliers
down Payment
For residents, the minimum down payment is 10%-20% of the property value. Banks may finance up to 80%-90% of the total purchase amount.
Range: 10% to 20%
Source: Crédit Agricole - Guide sur le financement immobilier
mortgage Term
Standard mortgage term for residents is 15-25 years. Longer terms are possible but increase total loan payments. It's important to consider the overall costs associated with interest.
Range: 15 to 25 years
Source: Banque Populaire - Prêt Immobilier
documentation
To obtain a mortgage, you need to provide tax returns for the last 2 years, proof of stable income, and employment confirmation. Banks may require additional documents if you're self-employed or recently changed jobs.
Source: BNP Paribas - Conditions d'octroi de prêts
casestudy
In 2022, a client lost a €10,000 deposit due to delays in mortgage processing caused by incorrectly gathered documents, resulting in failure to sign the mortgage agreement on time.
Source: Notaires de France - Problèmes fréquents dans les prêts
Non-Resident
interest Rates
For non-residents, mortgage rates are higher, ranging from 2% to 3.5% per annum. Banks assess higher risks for those not residing in France, affecting interest rates and terms.
Range: 2% to 3.5%
Source: BPI France - Taux pour les non-résidents
down Payment
Non-residents are required to make a higher down payment — from 20% to 40% of the property value. Banks typically provide loans covering up to 60%-80% of the cost.
Range: 20% to 40%
Source: BNP Paribas International Buyers - Mortgages for Non-Residents
taxation
Non-residents, like residents, must pay capital gains tax when selling property, which is 19% plus social contributions of 17.2%, totaling 36.2%. Taxes must be paid within 30 days after the transaction is completed.
Source: Impots.gouv.fr - Taxes pour les non-résidents
mortgage Term
For non-residents, the mortgage term is usually limited to 15-20 years, which is less than for residents. This is due to increased risks for banks.
Range: 15 to 20 years
Source: Crédit Agricole - Conditions pour les non-résidents
casestudy
In 2021, a non-resident was forced to pay a fine of €15,000 for late submission of a tax declaration after selling property, due to lack of knowledge about local laws.
Source: Les Echos - Problèmes fréquents pour les non-résidents
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