6. French Mortgage Lending Terms

1. 6.1. Mortgage Application
   6.2. Loan to Value
   6.3. Income
   6.4. Interest Rates
   6.5. Fees
   6.6. Mortgage Protection

6.2. French Mortgage Loan to Value Ratios

If you are seeking a loan for a second home from a French lender then you are unlikely to find one willing to lend above 80% of the purchase price/value of the property.

The rules are a bit more flexible in the case of the purchase of a main residence, or for home improvements and investment projects, or where annual income is strong and stable, providing in each case you are resident.

Similarly, in the case of a young couple, or in the event of divorce or death, the lenders will look at your circumstances and take a view.

If you bring a deposit (l’apport personnel) to the table, the deposit can include certain other loans, notably a prêt a taux zero and those from l’épargne-logement, thereby increasing the overall loan to value ratio.