How much might you borrow in France if you live abroad? Enter your income and savings to estimate the property price you could afford under typical French lending rules — the 35% debt guideline, the standard 25-year maximum term and the larger deposits usually asked of non-residents.
Estimated maximum price €305,100. Your budget is capped by your savings, which must cover the required deposit and the costs. Under the 35% guideline alone, your income could support a larger loan.
Estimated maximum price
€305,100
excluding notary fees and lender costs
Your budget is capped by your savings, which must cover the required deposit and the costs. Under the 35% guideline alone, your income could support a larger loan.
It applies three limits that French banks commonly use for a non-resident application and shows the highest price that satisfies all of them. Every figure in the form is an assumption you can change:
Next, estimate the notary fees precisely, or read our guide to buying property in France as a foreigner.
As a rule of thumb, French banks keep your repayments, insurance included, within about 35% of your net income, over at most 25 years in most cases. For example, with €7,000 of net monthly income and no other debts, repayments of up to €2,450 a month would support a loan of roughly €390,000 over 20 years at 3.8% plus 0.3% insurance — if your savings also cover the deposit and the buying costs, and the bank’s own criteria are met.
The standard maximum is 25 years (27 in some new-build cases). Banks set their own limits within that, and many want the loan repaid by around age 75.
Some do, usually with a larger deposit. UK residents are generally treated as non-EU borrowers since Brexit, and US citizens find fewer willing lenders.
No. It is an estimate based on published French rules and assumptions you can change. Populosoft is not a bank or a credit intermediary; each lender sets its own criteria, so always confirm with a lender or a broker registered with ORIAS.
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