Finance & Taxation

Mortgages in France
- 1. Top Tips
- 2. Sterling or Euro Mortgage?
- 3. Loan Security
- 4. Lenders in France
- 5. Mortgage Types
- 6. Lending Terms
- 7. Subsidised Mortgages
- 8. Consumer Protection
- 9. Repayment Difficulties

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7. Subsidised French Mortgages

7.1. What are 'Subsidised' French Mortgages?

One of the distinguishing features of the French mortgage market is the availability of a range of government regulated and subsidised mortgages, alongside more conventional mainstream mortgage products.

These subsidised mortgages are generally used on a complementary basis to that of the principal loan.

Indeed, it is common practice amongst French residents to purchase a property using more than one mortgage on a property, comprising one or more subsidised mortgages, together with the principal loan facility.

Most subsidised mortgages have numerous restrictions, the most notable of which is that they are only available to those resident in France, or those becoming resident.

So, those buying a second home can skip these pages.

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