You are a foreigner and want to buy real estate in France: complete guide 2025

Buying a property in France as a foreigner is entirely possible, but requires knowledge of the specific legal and tax aspects. Here is a practical guide to assist you.

1. Do I have the right to buy in France?

Yes, nationals of the EU, EEA, Switzerland, and many other countries (USA, Canada, China, etc.) can buy freely. No prior authorization is required, except for nationals of certain countries subject to restrictions (check with your embassy).

2. Key steps of the purchase

• Search and visit : Use a real estate agency or a property hunter.
• Purchase offer Sign a preliminary sale agreement (synallagmatic promise) or a unilateral promise.
• Cooling-off period : 10 days after signing the preliminary contract for individuals.
• Financing : Obtain a mortgage loan (French banks lend to foreigners under conditions).
• Authentic deed : Signed before the notary, who carries out checks and land publicity.

3. Required documents

• Valid passport or identity card.
• Proof of residence (utility bill, lease, etc.).
• Proof of income (pay slips, tax notices, etc.).
• For a loan: ID documents, proof of income, bank statements, etc.
• Certified translation if documents are not in French.

4. Financing

French banks can grant a loan to non-residents, but generally require a down payment of 20 to 30% of the price. Rates are competitive. Remember to check your borrowing capacity before searching.

5. Additional costs

• Notary fees: 7 to 8% of the price for old properties, 2 to 3% for new ones.
• Agency commission: 3 to 6% of the price (often borne by the buyer).
• Property tax and housing tax (if you reside).
• Bank processing fees.

6. Taxation for non-residents

• Capital gains tax: 19% tax + 17.2% social contributions (except exemptions).
• Rental income: taxation under the non-resident regime (withholding tax).
• IFI (Real Estate Wealth Tax): if real estate assets > 1.3 million €.

7. Practical advice

• Call on a lawyer specialized in real estate law to secure the transaction.
• Check the status of the property (co-ownership, easements, etc.).
• Provide a bank account in France to facilitate transfers.
• Anticipate deadlines (allow 2 to 3 months between the preliminary contract and the notarial deed).

You wish to be supported in your purchase project? Contact Maître Cécile Zakine for a personalized consultation.