French Mortgages by CAFPI

16/03/2025

🇫🇷 How much can a non resident buyer borrow with a French mortgage? 🇫🇷

1️⃣ Income over assets
French lenders focus on regular taxable income (rather than assets) and existing financial commitments.

2️⃣ 35% debt-to-income ratio
Under rules set by the governmental body HCSF (Haut Conseil de Stabilité Financière), your total monthly debt (including the new mortgage + life insurance) shouldn’t exceed 35% of your net taxable income.

3️⃣ Key factors lenders consider
✔️ Leftover income after bills and commitments
✔️ Your country of tax residency
✔️ Existing loan interest rates & possible stress tests
✔️ Financial housekeeping (e.g., overdrafts, rejected payments)
✔️ Savings habit and use of credit cards
✔️ Property ownership history
✔️ Profession & age
✔️ Energy performance of the property
✔️ Location & condition of the property

4️⃣ Personal contribution required
As a non-resident, expect to contribute 15% to 50% (plus fees) towards the purchase. Even if you can borrow more, your savings will influence how much a bank will actually lend.

5️⃣ Every bank is different
Each lender interprets calculations differently and has its own criteria.

Let us help!
At CAFPI International 🌍, our team of experienced brokers works closely with various banking partners to save you time and money navigating the French mortgage process.

Ready to make your French property dreams a reality?
Send us a message to [email protected] ✨🏠✨

16/03/2025

🌟 A smooth start to the year with a dream home in Cannes! 🌞

CAFPI International broker, Cécile Doffin successfully arranged a 60% LTV mortgage with a 3.55% fixed rate over 20 years for a French-American couple residing in California. 🏡✨

What makes this deal special? It was secured over the Christmas period, ensuring a fast-tracked completion at the beginning of the year—the perfect way to start 2025! 🎉

✅ 60% LTV mortgage
✅ 3.55% fixed rate over 20 years
✅ Quick approval despite the holiday season

📧 Need expert mortgage solutions for your French property purchase? Contact us: [email protected]

📢 Know someone looking to buy in France? Share this post!


🌟 Un début d’année en beauté avec une résidence secondaire à Cannes ! 🌞

Cécile DOFFIN de CAFPI International a accompagné un couple franco-américain, résident fiscal en Californie, pour obtenir un prêt immobilier à 60 % LTV avec un taux fixe de 3,55 % sur 20 ans. 🏡✨
L’atout majeur ? Le prêt a été finalisé en un temps record pendant les fêtes de Noël, permettant une signature dès le début d’année—le parfait cadeau de Nouvel An ! 🎉 Bravo Cécile!

✅ Financement à 60 % LTV
✅ Taux fixe de 3,55 % sur 20 ans
✅ Délai exceptionnel malgré la période des fêtes

📧 Besoin d’un prêt immobilier pour votre achat en France ? Contactez-nous : [email protected]

📢 Connaissez-vous quelqu’un qui rêve d’investir en France ? Partagez cette publication !

16/03/2025

We hope you enjoyed this session. Please note that comments made may not represent that of the firms represented. Equally always get personal advice. If you ...

16/03/2025

🌟 Félicitations à Gaëlle Martin de l'équipe internationale chez CAFPI pour son dernier avis client 5 étoiles sur Google ! 🌟

Ton engagement et ton professionnalisme font toute la différence pour nos clients. Continue à briller et à accompagner nos clients avec la même passion ! 💪



🌟 Congratulations to Gaëlle Martin from our international team at CAFPI for her latest 5-star customer review on Google! 🌟

Your commitment and professionalism make all the difference for our clients. Keep shining and supporting our clients with the same passion! 💪

16/03/2025

Yes! 🇺🇸 US residents can get a French home loan to buy property in France. 🏡💶

CAFPI International brokers have already financed many American residents this year and continue to assist clients daily. Typically Loan to Values of up to 75% are available with fixed interest rates for duration.

Interest rates in France are much lower than in the US meaning big savings for buyers choosing a French mortgage over a home equity loan Stateside.

Expert guidance from our Team of specialized & experienced brokers can make your dream come true. ✅

📩 Need help? Let’s talk!

08/03/2025

We hope you enjoyed this session. Please note that comments made may not represent that of the firms represented. Equally always get personal advice. If you ...

08/03/2025

26/01/2025

🌟 Dreaming of Buying a Property in France? 🇫🇷🏡

💻 Join our exclusive webinar!
Our panel of experts is here to guide you through every step of the process, from relocation tips to financial planning. 💼✨

👩‍💼 Meet the Panelists:
✅ Carol Ann Wheeler – French Property Expert
✅ Jonathan Watson – Currency Specialist at LUMON 💱
✅ Sharon Revol – French Mortgage Expert at CAFPI 💶
✅ Peter Wakelin – Partner at Blevins Franks Wealth Management 💰

📩 Submit your questions in advance (at least 24 hours before the webinar!) to make sure we cover everything you need to know. 🎯

🔗 Sign up now and take the first step toward your French property dreams! https://register.gotowebinar.com/register/5556882732331948640

10/01/2025

(🇺🇸🇬🇧English post below )

🌍 Une résidence secondaire au bord de la mer ? 🌊
Notre courtier, Thierry Touboul, a accompagné un fonctionnaire français expatrié, vivant et travaillant en Ukraine, pour réaliser son rêve à Hendaye. 🏡
Grâce à ses conseils d’expert, Thierry a obtenu un prêt à 80 % LTV à taux fixe de 3,5 % sur 10 ans. 💼✨

Vous souhaitez acheter la maison de vos rêves en France ?
📧 Contactez-nous dès aujourd’hui : [email protected]
📢 Partagez cette histoire avec vos proches qui pourraient avoir besoin d'aide !

̂timmobilier ́sidencesecondairee ́s

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🌍 A second home by the sea? 🌊
CAFPI International mortgage broker Thierry Touboul assisted a French expat civil servant living and working in Ukraine to make their dream come true in Hendaye. 🏡
With expert advice, Thierry secured an 80% LTV mortgage at a fixed rate of 3.5% over 10 years. 💼✨

Looking to purchase your dream home in France?
📧 Contact us today: [email protected]
📢 Share this story with friends who might need our help!

11/12/2024

🎅🎁Christmas has come early for international borrowers seeking a French mortgage! One of our lending partners, who offers “dry” mortgages with no savings transfer requirement, has just announced 𝐚 0.15% 𝐭𝐨 0.2% 𝐫𝐚𝐭𝐞 𝐫𝐞𝐝𝐮𝐜𝐭𝐢𝐨𝐧 ↘️ (the exact rate depends on the mortgage term).

With lower interest rates and favorable exchange rates, owning a piece of France has never been more affordable!

Contact the team at International - [email protected]

🎉🏠💶🔑



🇫🇷
C’est Noël avant l’heure pour les emprunteurs non residents et expatriés à la recherche d’un prêt immobilier en France ! L’un de nos partenaires bancaires, qui propose des prêts sans besoin de pledge ou de collatéral, vient d’annoncer une baisse de taux de 0,15 % à 0,20 % (le taux dépend de la durée du prêt).

Des taux plus bas, combinés à un taux de change avantageux, rendent l’acquisition d’un bien immobilier en France plus abordable que jamais !

🎁🏠💶🔑