Belgian residents earn in euros and live in the EU, so French banks can typically finance 70–80% of the price on a strong file. The usual rules apply: repayments within 35% of net income, including your Belgian mortgage, and a maximum term of 25 years. Banks ask for salary slips, your fiche 281.10 and your avertissement-extrait de rôle. Speaking French helps, and a broker who knows non-resident files still saves time.
Financing for EU residents
As a resident of an EU country, you are among the borrowers French banks find simplest to assess. Strong files can be financed at 70–80% of the price. Purchase costs of 7–8.5% on an existing home, or 2–3% on a new build, come from your own funds.
Your income is in euros, so there is no exchange risk for the bank to price in. The repayment test is the same as for a French resident: all your loan repayments, including insurance and the mortgage on your Belgian home, may not exceed 35% of net household income, over 25 years at most.
Belgian documents French banks ask for
- Identity card or passport for each borrower and proof of address
- Employed: last three salary slips and your employment contract
- Your fiche 281.10 for the last two years
- Your last two avertissements-extraits de rôle
- Self-employed: two to three years of accounts and tax returns
- Three to six months of statements for every current account
- Statements for your Belgian mortgage and any other loans
- Proof of where the deposit comes from, for anti-money-laundering checks
Documents in French need no translation. Some banks ask for certified translations of those in Dutch or German.
French speakers and the broker question
Many Belgian buyers speak French and could approach a French bank directly. Language is rarely the obstacle. A branch near the property may not take non-resident files at all, and regional banks change their appetite from one quarter to the next.
A broker who regularly places non-resident files knows which lenders are active, how to present Belgian income and how much time to ask for in the loan condition. Any broker fee is agreed in writing before work starts, and nothing is payable before the loan is obtained.
Practical points for Belgian buyers
The lending bank will ask you to open a French account to receive the funds and collect repayments. If you cannot attend completion, the notaire can prepare a power of attorney. Allow at least 60 days for the loan condition in the compromis.
Rental income from a French property is taxed in France, and the tax treaty between France and Belgium decides how it is treated at home. French Tax Online can review your situation before you buy.
Next step
Matching is free. Tell us about the property and your income in the eligibility check, and we will introduce you to one broker who places files from Belgium.
Questions
Can Belgian residents get a mortgage in France?
Yes. As EU residents earning in euros, Belgian buyers are typically offered 70–80% financing on strong files, subject to the 35% debt-to-income ceiling.
Which Belgian tax documents do French banks accept?
Usually your fiche 281.10 and your last two avertissements-extraits de rôle, along with recent salary slips.
Do I need a broker if I speak French?
You can apply directly. A broker who knows non-resident files saves time, because some branches do not lend to non-residents and appetite changes each quarter.