French mortgage calculator for non-residents
Monthly repayments, total cost, notary fees and the income French banks will expect, with a check against the legal rate cap. Built for buyers who live abroad.
French banks cap total loan repayments, insurance included, at 35% of net income. They can go above it on a limited share of their lending, usually for main homes and very strong files.
What this calculator assumes
Repayments use a standard fixed-rate amortising loan, the most common product in France. Insurance is charged on the initial capital, which is how most bank group policies price it.
Purchase costs add the transfer tax for the department (6.32% in most since 2025, 0.715% on a new build), the notary's regulated fee scale plus VAT, the property security contribution and around €1,200 of disbursements. Your notaire gives the exact figure.
The all-in rate is an estimate of the TAEG: the annual rate that equates what you receive, net of fees, with everything you repay. The bank's offer states the official figure.
These are illustrations to prepare a conversation with a broker, not offers of credit. See current rates for realistic inputs.
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