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Buying in France Q&A

  • Writer: A New Life
    A New Life
  • Aug 13
  • 3 min read

šŸ•’ Timeline & Process

Q: How long does it take to buy a property in France?

A: On average, it takes 3–4 months from accepted offer to completion. Cash buyers may complete faster.


Q: Can the process take longer?

A: Yes—delays can occur if the seller needs time to vacate, legal documents are delayed, or rural agencies like SAFER exercise their right of pre-emption.


Q: What’s the 10-day cooling-off period?

A: After signing the Compromis de Vente, the buyer has 10 days to withdraw from the purchase without penalty.


šŸ›‚ Eligibility & Foreign Buyers

Q: Can non-EU citizens buy property in France?

A: Yes, there are no nationality restrictions. Buyers from the UK, US, Canada, Australia, and elsewhere are welcome.


Q: Do I need a visa to buy a property in France?

A: No. Buying property does not require a visa. However, residency visas are required if you plan to live in France long-term.


Q: Can I buy a property remotely from abroad?

A: Yes, many buyers complete the entire process remotely using power of attorney (procuration) and electronic signatures.


šŸ’¼ Legal & Notaire Questions

Q: What is the role of the notaire?

A: The notaire is a government-appointed legal officer who oversees the transaction, checks legal documents, handles funds, and registers the sale.


Q: Can I choose my own notaire?

A: Yes. Buyer and seller can either use the same notaire or each appoint their own—the cost remains the same.


Q: Are notaire fees fixed?

A: Yes. Notaire fees are regulated by law and are based on the sale price. They include taxes, registration, and legal costs.


šŸ’¶ Costs & Finance

Q: What extra costs should I budget for?

A: Besides the purchase price, expect to pay:

  • Notaire’s fees (7–8% for existing properties)

  • Agency fees (often included in asking price)

  • Currency exchange or transfer fees

  • Ongoing property taxes


Q: Can I get a mortgage in France?

A: Yes, foreign buyers can apply for French mortgages. You’ll need to provide financial documentation and usually a larger deposit than residents.


Q: What deposit is required?

A: Typically 10% of the purchase price is paid when signing the Compromis de Vente.


Q: Can I pay in foreign currency?

A: Funds must be transferred to the notaire in euros. Use a currency transfer specialist to get better rates than high-street banks.


šŸ” Property Types & Conditions

Q: Are properties sold furnished?

A: Sometimes. If furniture is included, it must be listed and valued in an annex to the contract.


Q: Can I renovate a property I buy?

A: Yes—but major works may require planning permission (permis de construire). Always check with the mairie (town hall).


Q: Do I need a survey before buying?

A: Surveys aren’t required by law in France, but you can hire an independent surveyor for peace of mind, especially with older properties.


🧾 Taxes & Ownership

Q: What are the annual property taxes in France?

A: There are two main taxes:

  • Taxe fonciĆØre: paid by the owner.

  • Taxe d’habitation: paid by the resident (though often exempt for main residences).


Q: Do I pay capital gains tax if I sell later?

A: Yes, unless the property is your main residence. The longer you own the property, the more exemptions you receive.


Q: Can I rent out the property?

A: Yes. Long-term and holiday rentals are allowed, but some tourist areas may require a rental permit.


šŸ§‘ā€šŸ¤ā€šŸ§‘ Ownership Structure

Q: Can I buy with someone else?

A: Yes. You can buy jointly with a spouse, partner, or friend. Be sure to choose the appropriate ownership structure (e.g. joint tenancy or indivision).


Q: What if I pass away—who inherits my property?

A: French inheritance laws apply, but you can structure ownership (via a SCI or marriage regime) or make a will under EU Regulation 650/2012.


šŸ¦ Practical Matters

Q: Do I need a French bank account?

A: Yes—for utilities, taxes, and ongoing payments. Your notaire may request a RIB (French bank statement) for documentation.


Q: Do I need insurance before completion?

A: Yes. French law requires you to have home insurance in place before signing the final deed.


Q: What happens on completion day?

A: The final deed (Acte de Vente) is signed, you pay the balance, receive the keys, and officially become the owner.


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