Property in France: buying and support

Paris, the Riviera, the Alps: no restrictions at all on foreign buyers, and one of Europe's most accessible mortgage markets for non-residents.

0
Listings in our catalogue
€2,500,000
In our catalogue from
3–5%
Market rental yield

Why France

  • Zero restrictions on the buyer

    A citizen of any country can buy — no permits are required and there is no nationality restriction.

  • Mortgages for non-residents at competitive rates

    French banks regularly lend to foreigners, up to 70–80% of the value. Rates on 20-year fixed loans in mid-2026 were 3.6–4.6% for non-residents.

  • A cooling-off period protects the buyer

    The law grants a mandatory cooling-off period during which you can withdraw at no cost. The seller must provide technical diagnostics of the property.

  • Honestly, about residency: a purchase does not grant it

    Owning a home makes it easier to get the long-stay 'visitor' visa — which requires proven income and forbids working in France — but is not a qualifying ground by itself.

  • SCI — a structure for co-investors

    For multiple properties or a purchase with partners, an SCI — a family property-holding company — is often used; its tax treatment depends on your residency.

Investments from €2,500,000

Properties available right now. The catalogue price is the same figure quoted here.

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Most affordable properties

The 2 most affordable of 2

Villa 267 m² — France

Resale · France

Villa 267 m² — France

Resale

4 4 267 m²

Online viewing · remote deal

Crypto payment accepted

€2,500,000

€9,363 / m²

Villa 509 m² — France

Resale · France

Villa 509 m² — France

Resale

509 m²

Online viewing · remote deal

Crypto payment accepted

€10,600,000

€20,825 / m²

How the purchase works

  1. 1

    We map your goal

    Goal, budget and region: Paris, the Côte d'Azur or the Alps each have their own rental market and demand logic.

  2. 2

    Offer and preliminary contract

    We sign the compromis de vente, fixing the terms and price.

  3. 3

    The cooling-off period

    A mandatory period for a home buyer, during which the deal can be cancelled at no cost.

  4. 4

    Technical diagnostics

    The seller must provide diagnostics of the property — from energy efficiency to structural condition.

  5. 5

    The notary prepares the deal

    The notary checks title, encumbrances and the municipality's pre-emption right to buy.

  6. 6

    Signing the deed

    The final deed (acte de vente) and payment through the notary's account. The deal can run on a power of attorney.

What clients say

We were looking for a small old house with character and a garden, with a budget of around £75,000. We found a seven-bedroom house in Haute-Vienne for just £65,000 and are gradually renovating it.
George & George · A house with character, under budget
I was looking for peace, nature and a standalone house with land, with a budget of around £70,000. I bought a two-bedroom house in Limousin and later obtained a French long-stay visa.
Rachel · Peace and quiet — and a French long-stay visa
We viewed more than twenty properties before finding the right one. The three-bedroom stone house was originally priced at €219,000, and we ended up buying it for €165,000.
Sonia & Karl · 20+ viewings and a €54,000 discount
Online viewing & remote deals — buy without being there
RU · EN · PLSupport in Russian, English and Polish
No hidden markupsYou see real market prices. Our role is selection and safety — not quietly inflating what you pay.

Frequently asked questions

Are there restrictions on foreigners buying in France?+

No. France does not restrict property purchases by nationality and requires no special permits. Residents and non-residents, individuals and companies may all buy.

What do notaire fees include and how much are they?+

About 7–8% on resale property and 2–3% on new-builds. Despite the name, the notaire's own remuneration is only 10–15% of that; the rest is tax and duty that the notaire remits to the state.

Will a bank lend to a non-resident?+

Yes — France is one of Europe's most open mortgage markets for non-residents. Loans run up to 70–80% of value; the down payment is usually 20–30%, or 30–40% for non-EU non-residents. In mid-2026, 20-year fixed rates for non-residents ran at 3.6–4.6%.

Does buying a home in France grant residency?+

No. A purchase is not a basis for a visa or residence permit. Owning a home makes the long-stay visitor visa easier to obtain — that visa requires proven income and prohibits working in France — but is not a ground in itself.

What are the annual ownership costs?+

The main annual tax is taxe foncière, set by the commune with no national norm. As a guide: roughly €800–1,200 a year for a Paris apartment, €1,200–2,000 for an apartment in the provinces, €800–2,500 for a rural house.

Why does the transaction take two to three months?+

Most of the time goes on the notaire's checks: the seller's title, encumbrances, the municipality's pre-emption right and planning constraints. On top, the law gives buyers of residential property a cooling-off period after the preliminary contract, during which they may withdraw without loss.

Can I let the apartment to tourists?+

In Paris and several other cities short-term letting is tightly regulated: the property must be registered and a cap applies to the number of nights let per year. Rules are set by the municipality and must be checked for the specific address before purchase.

What is an SCI and do I need one?+

An SCI is a French property-holding company often used when buying with partners or passing property within a family. It offers flexibility in allocating shares, but its tax consequences depend on your tax residence and need to be modelled before purchase.

Go deeper

Property prices in France: price per m² by city and the real cost of buying

France is flat to slightly down nationally in 2026 (INSEE: -0.8% over a year), with Paris near €9,700 per m² and Marseille near €3,200-3,300. Buying costs add 7-8.5% on an older home.

Investment property in France: realistic rental yield by city, gross and net

French big cities yield only about 3.8-4.0% gross (Paris, Lyon, Bordeaux), while Marseille, Montpellier and Grenoble reach roughly 5.2-5.7%. Rent rules, energy labels and tax decide what you keep.

France golden visa: there isn't one, and what the Talent Passport investor routes ask for

France has no residence-for-property programme. What exists is the Talent Passport: an innovative project, a business creation or a direct economic investment of at least EUR 300,000 tied to jobs, none of which is buying a home.

Capital gains tax when a non-resident sells property in France: 19% plus social levies, allowances and the €150,000 exemption

France taxes a non-resident's property gain at 19% plus social levies of 17.2% or 7.5%, with holding-period allowances and a surcharge on large gains. What changes the bill and how the sale is handled.

New-build or resale in France: notary fees, VEFA guarantees and the DPE rental ban

French notary fees are roughly 7 to 8% on an older home and 2 to 3% on a new one, but the energy rating can matter more than the fee. What to compare.

Getting a mortgage in France as a foreigner: the 35% rule, LTV, costs and pitfalls

French banks apply a national 35% debt cap that counts your debts worldwide, and non-EU buyers often borrow only 50–70%. What to expect from the process, the fees and the paperwork.

Short-term rental rules in France: déclaration, changement d'usage and the 120-day cap

France regulates short-term rentals through a declaration number, a change-of-use authorization in major cities, and a 120-day cap for a primary residence — tightened further by 2024's loi Le Meur. What to check before buying for Airbnb income.

France has no digital nomad visa — what remote workers actually use instead

Unlike Spain or Portugal, France has no dedicated remote-worker visa, and the visitor visa many nomads used is now widely reported to be off-limits for remote work. Here's what is left, and the real limits of each option.

Why expats stay in France for the healthcare and culture — and what the surveys say is still hard

France's position in expat surveys varies by index and year, but one pattern holds: strong healthcare and quality of life, real friction on bureaucracy and language. Here's what the data actually shows.

Best areas to buy property in France: Paris, the Riviera and real value regions

Paris commands €9,678/m² on average — but France has genuine value regions with healthcare, climate and culture, at a fraction of the price.

Ruins and abandoned houses in rural France: what they really cost to restore

A stone ruin in Creuse can start under €20,000 — but the real cost is the restoration, and the real risk is a title stuck in decades of unresolved inheritance.

Buying property in France: the 8-step due diligence checklist

France's notarial system protects buyers well — but only if you use it properly. Eight checks to run through, from the compromis de vente to the final deed.

Investing in French property: 5 risks worth knowing before you buy

France is one of Europe's deepest, most stable property markets — but energy rules, transaction costs and exit taxes can all eat into returns if you don't plan for them.

France: house prices fell 1.0% in the second quarter of 2026, INSEE says

According to INSEE, prices of all dwellings in France fell 1.0% in the second quarter and 0.8% year on year, driven by the second-hand market.

Average price
€320,000
€0€350,000

A country-market estimate, not our own stock

Rental yield
3–5%
0%12%
In our catalogue from
€2,500,000
EU member
Yes

Overview

France places no restrictions on ownership by nationality and takes an unusually open view of non-resident borrowers: French banks lend to foreign buyers routinely. Buying does not grant residency.

Why buy here

No restrictions whatsoever: a citizen of any country may buy, and no permits are required. Mortgages available to non-residents — an exception by European standards. French banks lend to foreign buyers regularly. A notarial process with a statutory cooling-off period for buyers of residential property.

Taxes, costs and yield

Benchmarks for taxes, purchase and holding costs and rental yield. Exact figures depend on the property and your situation.

Rental yield benchmark

3–5%

Taxes

The main purchase cost is notaire fees: about 7–8% on resale property and 2–3% on new-builds. Annually, taxe foncière.

Costs & taxes

The main item is the so-called notaire fees (frais de notaire): about 7–8% on resale property and 2–3% on new-builds. The notaire's own remuneration is only 10–15% of that sum; the rest is tax and duty paid to the state. Agency commission in France is usually already included in the advertised price — check the wording of the listing. Annually the owner pays taxe foncière. The rate is set by the commune and there is no national norm: roughly €800–1,200 a year for a Paris apartment, €1,200–2,000 for an apartment in the provinces, €800–2,500 for a rural house.

Buying process

1. Offer to purchase and signature of the preliminary contract (compromis de vente). 2. A statutory cooling-off period for buyers of residential property, during which you may withdraw without loss. 3. Technical surveys, which the seller must provide. 4. The notaire prepares the transaction: title, encumbrances, the municipality's pre-emption right. 5. Sign the final deed (acte de vente) and settle through the notaire's account. The deal usually takes two to three months, mostly because of the notaire's checks. A power of attorney is possible.

Mortgages

One of Europe's most open markets for non-residents: up to 70–80% of value. Down payment of 20–30%, or 30–40% for non-EU non-residents.

Residence & visas

Buying property in France does not grant residency and is not a basis for a visa. Owning a home makes the long-stay "visitor" visa easier to obtain — that visa requires proven income and an undertaking not to work in France — but is not a ground in itself. Owning property does not create tax residency; however, rental income and, above the threshold, the IFI wealth tax on property are payable in France regardless of residence.

Investment notes

A mortgage here is a working tool rather than an exception: in mid-2026, 20-year fixed rates ran at 3.2–4.0% for residents with a strong file and 3.6–4.6% for non-residents. When buying several properties or with partners, an SCI — a family property-holding company — is often used. Its tax consequences depend on your residence and need separate modelling.

Risks to consider

What to bear in mind: — short-term tourist letting is tightly regulated in Paris and several other cities: registration and a cap on the number of nights apply; — the mandatory surveys reveal the property's condition but do not replace the buyer's own inspection; — the municipality may hold a pre-emption right, which lengthens the transaction; — the IFI tax applies to property above a value threshold, including for non-residents. Checked in September 2026. Thresholds, rates and programme terms change — confirm the current requirements with a lawyer in the country before you buy.

Estimate costs and yield

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Figures are indicative, change over time and depend on the specific property and your circumstances. Obtain independent legal, tax and financial advice before any purchase.

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