French mortgage rates for September 2021

A French Notaire is also a specialist in property valuation

A real estate valuation can help in case of succession, liquidation of community, IFI (Wealth Tax) and tax adjustment. French Notaires rely on different methods and specific tools to provide you with an appraisal report.

How is a property valuation done?

  1. You must contact your Notaire to present the issue, establish a need for a property valuation and request an appraisal report.
  2. A quote and a contract of mission defining the perimeter of the real estate appraisal, the deadline, the format of rendering, etc. will be provided. These parameters will determine the amount of the fee.
  3. The Notaire will start collecting any elements that may have a positive or negative impact on the value of the estimated property such as the extract of title deed, the detail or certification of building areas and the rental status if the building is occupied.
  4. A visit of the property will be conducted in order to have a precise descriptive state and to know its environment.
  5. Additional documents such as surveys from different administrations, market studies and existing reports will be collected.
  6. A draft of the real estate appraisal report will be edited for your review. It will contain:
  • A description of the mission
  • The designation and the description of the property with detailed surfaces
  • The geographic location
  • The legal situation
  • The rental situation if applicable
  • An appreciation of the property and the market
  • A description of the methods and the references used

A number of annexes such as rental value references, land registry, town planning note, zoning and photos can be added to the report.

The report must respond to a well-defined structure and logic (chapters, and paragraphs), which allow novice readers to understand and follow the reasoning that led to the market value retained. Any information contained in the report must be justified and justifiable.

Current mortgage rates for September 2021

Fixed rate(1)  Term Monthly repayment

for 10 000€ borrowed

1.25% 10 years / 120 months 88.69€
1.30% 15 years / 180 months 61.18€
1.60% 20 years / 240 months 48.72€
2.05% 25 years / 300 months 42.63€

(1) The indicated rates are given for information purposes and are based on the latest bank rates of one or more of our partners. The rates in the table above do not include the ancillary cost as notary fees, guarantees, insurance and intermediation.

Submit your request for information

With no commitment on your part, submit your detailed request in order to obtain the best financial solution for your project. Our French mortgage specialists will contact you within 24 hours.