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Your mortgage is refused and you can’t understand why. Here are a few things about French mortgages you might have overlooked.
When purchasing in France, you have to select a property and make an offer before applying for a mortgage. The mortgage application process can be lengthy and the lender’s decision difficult to accept.
Because French lenders do not have to justify a mortgage refusal, you [...]
Opening a savings account and increasing your personal contribution will help you contract a better mortgage in 2023. But that’s not all …
Applying for a mortgage in France has become an arduous endeavor since last summer. With a continuous rates increase (Mortgage interest rates are at their highest since 2016 but remain below 3.25% fixed over 20 years) and a lingering issue with the usury rates for [...]
What will you find in your diagnosis report when you are ready to purchase a property in France ?
When purchasing a property in France, the sales contract must contain the technical diagnosis file or DDT (Dossier de diagnostic technique in French).
Conducted by a third party expert, the various mandatory diagnoses are grouped in one file to allow the buyer to get a [...]
Introduction to home insurance in France
There are two main types of home insurance (assurance habitation) in France:Civil liability insurance (assurance responsabilité civile), which covers damage to third parties and their property caused by you or your home. Multi-risk insurance (assurance multirisque), which is liability insurance plus protection for your [...]
Thinking of purchasing a property in France using a “family” SCI (Société Civile Immobilière Familiale) … Is it right for your project ?
A “family” real estate civil society (SCI) is a legal structure made up of at least two people belonging to the same family (Cohabitants are not included in this configuration). The members have the status of associate to jointly manage one or more properties. The [...]