Complete guide to the real estate buying process in France for foreigners in 2025

Buying real estate in France as a foreigner may seem complex, but it is an exciting adventure. Between administrative procedures, location choices and financial aspects, there is a lot to consider. This guide accompanies you at each stage to help you succeed in your real estate purchase project in France, whether for a main or secondary residence or a rental investment.

Key points to remember

• Have all the required documents ready before starting the process.
• Understand the role of the notary and its importance in transactions.
• Choose a region that fits your needs and budget.
• Explore the financing options available to foreigners.
• Familiarize yourself with French real estate laws.
• Take into account the taxes and fees associated with the purchase of a property.
• Use modern tools to make your real estate searches easier.
• Avoid common mistakes like signing without understanding the terms.

Why invest in real estate in France as a foreigner

The advantages of the French real estate market

The French real estate market is recognized for its stability and its attractiveness. With a diversity of properties, ranging from modern apartments to country houses, there are opportunities for all investor profiles. In addition, prices remain competitive in several regions, offering excellent value for money.

The most attractive regions for foreigners

Some regions like Provence, the Dordogne or the Côte d'Azur particularly attract foreign buyers thanks to their exceptional living environment. Here are a few examples:

• provence : For its picturesque villages and sunny landscapes.
• brittany : Ideal for lovers of wild coastlines and local traditions.
• French Riviera : Luxury and spectacular views by the sea.

Tax benefits for foreign investors

Investing in France can offer attractive tax advantages, such as tax cuts for certain types of rental investments. For example, mechanisms such as the Pinel law make it possible to benefit from tax breaks while building sustainable assets.

The economic and political stability of France

France is a country with a solid economy and a stable political system, which reassures investors. This favourable framework makes it possible to secure real estate investments, even for non-residents.

Opportunities for second homes

Buying a second home in France can be a smart choice, whether to enjoy the holidays or to prepare for future retirement. Many foreigners are opting for country houses or beachfront properties.

Current trends in the real estate market

In 2025, the French real estate market continued to show growth in some key regions. Ecological and energy-efficient goods are particularly sought after, according to new environmental standards.

Understand the administrative procedures to buy in France

The necessary documents for foreigners

For buying real estate In France, foreigners must provide a series of administrative documents. Among the most common are:

• Valid passport: A copy of your passport will be requested to prove your identity.
• Birth certificate : Often required, it is preferable to have it translated into French.
• Proof of address: A document that proves your current residence.
• Proof of income or bank statements: To demonstrate your financial capacity.

It is advisable to prepare several copies of these documents to avoid unnecessary delays.

The role of the notary in a real estate transaction

In France, the notary plays a central role in any real estate transaction. It is mandatory to authenticate the bill of sale. Her responsibilities include:

• Verification of the legality of the transaction.
• Drafting and registering official documents.
• Guarantee of legal security for both parties.

Although the notary is chosen by the buyer, his fees are regulated and include taxes and fees.

The steps for signing the sales agreement

The Sales agreement is a preliminary contract involving the buyer and the seller. Here are the main steps:

1. Negotiation of terms between the two parties.
2. Drafting of the compromise by the notary or a real estate agency.
3. Signature by both parties, followed by the payment of a security deposit (generally 5 to 10% of the sale price).

This document includes suspensive clauses, such as getting a home loan.

Legal deadlines to be respected

In France, several legal deadlines govern the purchase of real estate:

• Withdrawal period: The buyer has 10 days after signing the compromise to withdraw without penalty.
• Deadline for obtaining financing: Generally set at 30 to 60 days.
• Deadline to finalize the bill of sale: Approximately 2 to 3 months after the compromise.

Respecting these deadlines is essential to avoid complications.

Specific obligations for non-residents

Non-resident buyers must take into account certain specificities:

• Opening a bank account in France: Although not mandatory, it facilitates transactions.
• Provide a foreign tax number: Useful for tax procedures.
• Ensure the conformity of the translated documents.

These procedures can be simplified by calling on professionals, such as specialized lawyers.

Common mistakes to avoid

To avoid complications, keep these common mistakes in mind:

• Do not check the validity of the documents provided.
• Ignore legal deadlines.
• Sign a compromise without understanding all the clauses.
• Underestimate ancillary costs (notary, taxes, etc.).

“Good preparation and appropriate support can transform a complex process into a smooth and successful experience.”

Choosing the ideal region for your real estate purchase

The criteria for selecting a region

When choosing a region for your real estate purchase, it is essential to consider your personal priorities:

• Climate: Do you prefer a sunny Mediterranean climate or a more temperate climate?
• Accessibility : Is the proximity to airports, train stations or motorways important for you?
• Services: Are local schools, hospitals, and businesses meeting your needs?

Also take into account the dynamics of the region: some rural areas offer a peaceful setting but may lack modern infrastructure.

Regions popular with expats

Some French regions are particularly attractive to foreign buyers:

• Provence: Known for its picturesque landscapes and relaxing lifestyle.
• The French Riviera: Ideal for those looking for luxury and glamor.
• Dordogne: Appreciated for its rustic charm and affordable prices.
• Paris: Despite high prices, Paris remains a popular option for its cultural heritage and economic dynamism.

Price differences between regions

Real estate prices vary considerably by region. Here is an overview:

These figures show that a budget adapted to Paris could allow you to acquire a more spacious property in Dordogne or Brittany.

The advantages of living in a rural environment

Opting for a rural region has several advantages:

1. Lower cost of living.
2. Green spaces and tranquility.
3. Welcoming local communities.

However, it may be necessary to adapt to a slower pace of life and to a sometimes limited range of services.

The specificities of big French cities

In big cities like Lyon, Marseille or Bordeaux, you will benefit from:

• A rich cultural life.
• Better accessibility to public transport.
• A variety of real estate properties, ranging from modern apartments to traditional houses.

That said, expect higher prices and increased competition for the best properties.

Tips for an on-site visit

Before finalizing your purchase:

• Plan several visits to compare properties.
• Talk to locals to better understand the area.
• Inspect the property in detail, taking into account the mandatory technical diagnoses in France.

“Take the time to discover the specificities of each region to make an informed choice. Buying a property is as much an emotional investment as it is a financial one.”

Financing your real estate purchase as a foreigner

Loan options for non-residents

For foreigners wishing to buy in France, several financing options are available. French banks often offer mortgages suitable for non-residents. These loans generally require an initial contribution of around 20% of the price of the property. Conditions vary between establishments, so it is essential to compare offers.

Loan conditions with French banks

Banks assess the repayment capacity of borrowers based on their income, debts, and overall financial situation. Required documents include:

• Proof of income (pay slips or balance sheets for the self-employed).
• Recent bank statements.
• A proof of identity and residence.

The role of mortgage brokers

Hiring a broker can simplify the process. These professionals know the market well and can negotiate advantageous conditions for foreigners. They will also help you build a solid case.

Alternatives to bank financing

If a bank loan is not an option, other options exist:

1. Direct financing by the seller (sale on credit).
2. Use of own funds or savings.
3. Loans obtained in your country of origin.

Current interest rates in France

In 2025, interest rates remain competitive, ranging between 2.5% and 4% depending on the duration of the loan and the profile of the borrower. These rates also vary according to the economic policies in force.

Ancillary costs to be expected

When buying, several additional costs must be anticipated:

• Notary fees (around 7 to 8% for an old property).
• Bank application fees.
• Mandatory insurance for the loan.

To succeed in your real estate project, it is essential to plan your financing well and to surround yourself with competent professionals.

Legal aspects to know before buying

Property rights of foreigners

In France, foreigners can buy real estate without major restrictions. However, it is essential to fully understand the associated legal obligations. Opening a local bank account is often needed to facilitate transactions. As a foreign buyer, you have the same rights as a French citizen, but it is recommended to be accompanied by a professional to avoid any confusion.

Possible restrictions for some buyers

Specific areas, such as border regions or agricultural properties, may be subject to particular restrictions. For example, agricultural land sometimes requires administrative authorization before it is acquired. Check with local authorities to avoid unpleasant surprises.

The role of real estate lawyers

Calling on a specialized lawyer can be a major asset. They help you understand the terms of contracts, the legal implications of the clauses, and ensure that your interests are protected. This professional is particularly useful if you do not have a perfect command of French or legal jargon.

The implications of French property law

French law imposes certain obligations on owners, such as maintaining the property or complying with local regulations. In addition, sales contracts often include suspensive clauses, such as obtaining a loan. These clauses protect the buyer, but they require special attention.

Remedies in the event of a real estate dispute

In the event of a dispute, you have several options:

• Mediation : A quick and less expensive solution to resolve disputes amicably.
• Arbitration : Alternative to mediation, but often more formal.
• Judicial procedure : As a last resort, it can be long and expensive, but it guarantees a legal resolution of the problem.

Compulsory insurance for owners

Some insurances, such as home insurance, are mandatory to protect your property against common risks (fire, water damage, etc.). If you buy a condominium, civil liability insurance is also required to cover possible damage caused to third parties.

Understanding the legal aspects before investing in France is an essential step in order to avoid unnecessary complications. Take the time to inform yourself and surround yourself with the right professionals.

Taxes and fees related to the purchase of real estate in France

Transfer taxes and notary fees

During theBuying a property In France, notary fees and transfer taxes represent a significant part of the ancillary costs. These costs, often called “acquisition costs”, generally amount to between 7% and 8% of the purchase price for an old property, and around 2 to 3% for a new property. Transfer taxes include local and departmental taxes, while notary fees cover fees and administrative procedures.

Property and housing taxes

If you are a homeowner, you will have to pay property tax, which is calculated on the cadastral value of the property. In addition, housing tax may apply, although it is gradually being phased out for some main residences. For non-residents, these taxes remain mandatory for second homes.

Tax implications for non-residents

Non-residents must also take into account the real estate wealth tax (HERE), applicable to real estate with a value greater than 1.3 million euros. This tax is calculated on the basis of the net value of real estate assets held in France.

Possible exemptions for some buyers

Some situations make it possible to benefit from partial or total exemptions. For example, buying a new home as part of a tax incentive program can reduce your costs. In addition, first-time buyers can benefit from certain local or national aids.

The costs of maintaining a property

Owning a property in France also involves maintenance costs, such as condominium fees, renovation work or management fees. These expenses can vary considerably depending on the location and condition of the property.

Tips for optimizing your expenses

• Anticipate costs: Include all ancillary costs in your initial budget.
• Consult a professional : A tax advisor or notary can help you identify tax breaks.
• Compare regions: Taxes and fees vary by department, so it may be a good idea to compare before buying.

Understanding the taxes and fees associated with buying real estate in France is essential to avoid unpleasant surprises and plan your project with confidence.

Finding the perfect property remotely

Digital tools for real estate searches

Today, technology plays a key role in real estate research. Thanks to specialized platforms, you can filter ads according to your specific needs: location, budget, type of property, etc. Mobile applications allow you to receive alerts in real time, so you don't miss out on any opportunities.

The role of real estate hunters

Calling on a real estate hunter can greatly simplify your process. These professionals, commissioned by the buyer, explore the market to find properties that exactly match your criteria. They can also access exclusive offers that are not available on public platforms, a real asset.

Virtual visits and their advantages

Virtual visits have become essential. With interactive videos or video conference calls, you can explore a property in detail without leaving home. This saves time and prevents expensive trips. Immersion in the property is such that you can almost project yourself as if you were there.

Which real estate platforms to choose

Some platforms stand out for their reliability and their wealth of ads. Among them, there are sites specializing in high-end properties, others focused on rental investments or even general portals offering a wide range of choices.

The criteria for evaluating a property remotely

When you can't visit a property in person, it's essential to pay attention to some details:

1. Photos and videos should be of high quality and show each room clearly.
2. Check the house plans to understand the layout.
3. Consult the neighborhood using Google Maps or other similar tools to assess the environment.

The pitfalls to avoid when buying remotely

Buying remotely involves risks. Here are some common mistakes to avoid:

• Not asking for enough details about the property or its potential faults.
• Rely on photos only without asking for a virtual tour.
• Neglecting legal aspects, such as verifying ownership documents.

“Buying real estate remotely can seem daunting, but with the right tools and the right support, this process becomes accessible and efficient.”

Key steps in the real estate buying process

Define your needs and your budget

Before you get started, it's essential to have a clear understanding of what you're looking for. Ask yourself questions like: What type of property do you want? Where do you want to buy? What is your maximum budget? Defining these criteria from the start will save you time. Also, consider including ancillary costs, such as notary fees or taxes, in your budget.

Search and select properties

Once you have established your criteria, start your search. Use online real estate platforms, contact local real estate agents, or even hire a real estate hunter to help you. Make a list of properties that meet your expectations and plan visits, whether on site or virtually.

Sign the sales agreement

Once the property has been chosen, you will have to sign a sales agreement. This document commits the buyer and the seller to finalize the transaction. It includes important information such as price, terms of sale, and deadlines. A security deposit, usually around 10% of the sale price, is often required at this stage. For more details, discover The sales agreement and its implications.

Obtaining appropriate financing

If you need a home loan, start the process with banks or through a broker. Compare offers to find the best conditions. French banks generally require a personal contribution, especially for foreign buyers. Make sure you have all the paperwork you need to speed up the process.

Finalize the act of sale at the notary

The notary plays a crucial role in the purchase of real estate in France. He writes and authenticates the bill of sale, verifies the legal aspects and guarantees the security of the transaction. Once the act is signed, the property is officially yours.

Take possession of your property

After the signature at the notary, you receive the keys and can finally take possession of your new home. It is time to check that everything is in accordance with what was agreed, such as the condition of the property or the equipment included.

Buying real estate may seem complex, but by following these steps one by one, you will greatly simplify the process. Take your time, ask for advice if needed, and stay organized.

The specifics of buying a second home

The advantages of a second home in France

Owning a second home in France offers several benefits. First of all, it allows you to enjoy a pied-a-terre in popular regions such as Provence or Brittany. It is also an excellent way to diversify your wealth. while enjoying a pleasant living environment. For some, it can also be an opportunity to generate rental income during periods of absence.

The ideal regions for a vacation home

France is full of ideal destinations for a second home:

• The French Riviera, for its sunny climate and its beaches.
• The Dordogne, for its bucolic setting and its picturesque villages.
• The Alps, for winter sports lovers.

Each region has its own particularities, and the choice will depend on your priorities: proximity to major cities, available activities or budget.

Specific administrative procedures

Buying a second home as a foreigner involves a few formalities:

1. Provide a valid ID and proof of address.
2. Open a bank account in France to facilitate transactions.
3. Collaborate with a notary, mandatory to finalize the act of sale.

These steps may seem complex, but they are essential to secure your purchase.

Tax implications for second homes

Second homes in France are subject to specific taxes:

• Property tax, calculated according to the cadastral value of the property.
• Although housing tax is tending to disappear for primary residences, it remains applicable for secondary homes.
• A possible surcharge in tense areas, where demand exceeds supply.

Make sure you fully understand these tax obligations before you commit to avoid unpleasant surprises.

Vacation rental options

If you do not occupy your second home all year round, vacation rentals can be an interesting solution. It allows you to:

• Generate additional income.
• Partially cover maintenance costs and taxes.
• Maintain the property in good condition through regular occupancy.

However, it is important to follow local rental regulations.

Tips for maintaining a second home

Maintaining a second home requires rigorous organization:

• Schedule regular visits to check the condition of the property.
• Hire professionals for maintenance work.
• Install security systems to protect the property while you are away.

With the right preparation, your second home can become a real haven of peace, while remaining a profitable investment.

Rental investments for foreigners

The advantages of a rental investment in France

Investing in rental real estate in France can be an excellent opportunity for foreigners. The market offers stability and attractive returns, especially in high-demand areas such as Paris, Lyon or Bordeaux. In addition, certain tax systems such as the LMNP regime (Non-Professional Furnished Rental Company) make it possible to significantly reduce the tax burden.

The regions with the best rental yield

Some regions in France offer more attractive rental returns than others. Here are a few examples:

Tip: University cities like Montpellier or Toulouse are ideal for targeting student tenants.

The steps to rent a property as a foreigner

To rent a property, a few key steps must be followed:

1. Check local rental regulations.
2. Prepare the necessary documents, such as an ID and proof of income.
3. Go through a local real estate agent to facilitate management.

Legal obligations for landlord owners

Owners have important responsibilities, including:

• Provide decent and secure housing.
• Respect rent ceilings in certain tense areas.
• Declare rental income to the tax authorities.

Available grants and subsidies

As a foreign investor, you could benefit from certain aids:

• Grants for energy renovation.
• Tax benefits for properties located in priority areas.
• Tax cuts through schemes such as Pinel or Denormandie.

Mistakes to avoid in a rental investment

Here are some common mistakes to avoid:

• Underestimate maintenance and management costs.
• Neglect market research before buying.
• Ignore the tax implications in your home country.

Investing in France can be a profitable approach, but it is essential to be well informed and to surround yourself with competent professionals to maximize your chances of success.

Challenges and solutions for foreign buyers

Linguistic and cultural barriers

Buying real estate in France can be daunting for those who are not fluent in French. Legal terms, official documents, and even discussions with real estate agents can become a real headache. An effective solution is to use a professional translator or a bilingual real estate lawyer. Additionally, immersing yourself in French culture by taking the time to understand local practices can greatly facilitate the process.

Financing difficulties

French banks often have strict requirements for lending to non-residents. A solid credit history in your country of origin does not guarantee acceptance in France. Here are some tips for overcoming these obstacles:

• Prepare a complete file with proof of income and savings.
• Consider opening a bank account in France to simplify transactions.
• Collaborate with a broker specializing in loans for non-residents.

Differences in real estate practices

In France, real estate buying practices often differ from the standards of other countries. For example, the role of the notary is central and mandatory. This professional guarantees the legality of the transaction, but his services may seem complex for a foreigner. Familiarize yourself with the key steps, such as the sales agreement, and don't be afraid to ask questions to avoid misunderstandings.

Solutions to overcome obstacles

To mitigate challenges, it is recommended that you:

1. Surround yourself with competent professionals, such as a notary or a specialized lawyer.
2. Use digital tools to follow administrative procedures.
3. Participate in forums or groups of foreign buyers to benefit from practical advice.

Support services for foreigners

Many real estate agencies offer services dedicated to international buyers. This includes virtual tours, guides in English, and personalized support. These services can turn a stressful experience into a smooth and understandable process.

“Buying in France as a foreigner may seem complicated, but with the right tools and the right help, it becomes a rewarding adventure.”

Testimonies from foreign buyers

Many foreigners who have bought in France share a common experience: the beginnings are often difficult, but the result is worth it. An American expatriate says: “At first, I didn't understand anything about the documents, but thanks to a bilingual lawyer, everything was simplified.” These testimonies show that with patience and the right contacts, it is possible to overcome any challenge.

The trends of the French real estate market in 2025

Forecasts for real estate prices

In 2025, Real estate prices in France are relatively stable, although some regions continue to see a slight increase. Large cities such as Paris, Lyon or Bordeaux remain attractive hubs where demand still exceeds supply. However, in rural areas and some medium-sized cities, there is a stagnation or even a fall in prices, making these sectors more accessible to first-time buyers.

Regions in full expansion

Some regions are experiencing particularly favourable dynamics:

• Brittany and cities like Rennes attract for their quality of life and prices that are still reasonable.
• New Aquitaine, especially Bordeaux, still attracts buyers for its living environment and accessibility.
• Hauts-de-France, along with cities like Lille, are gaining popularity thanks to their proximity to Belgium and the United Kingdom.

The new regulations you need to know

In 2025, several new regulations are influencing the real estate market:

1. Reinforced energy standards, making certain energy-consuming goods less attractive.
2. Tax incentives for ecological renovations.
3. Increased restrictions for foreign investors in certain tourist areas.

The impacts of the ecological transition on real estate

The focus on ecological transition is transforming the market. Buyers now prefer well-insulated and environmentally friendly homes. New buildings must meet strict standards, increasing their initial cost but reducing energy costs in the long run.

Opportunities for foreign investors

Despite restrictions in some areas, France remains a popular destination. Foreign investors benefit from attractive interest rates and numerous opportunities in less saturated regions. Second homes, in particular, continue to attract thanks to their seasonal rental potential.

Tips for anticipating market developments

For a successful real estate investment in 2025, here are some tips:

• Study regional dynamics carefully before buying.
• Choose properties that comply with energy standards to avoid significant renovation costs.
• Consult local experts to understand the specificities of the market.

In 2025, the French real estate market offers a mix of stability and opportunities, but it requires rigorous preparation to avoid pitfalls and maximize benefits.

The advantages of living in France for expats

The quality of life in France

France is recognized for offering an exceptional quality of life. Between the richness of its cultural heritage, its varied landscapes ranging from Alpine mountains to Mediterranean beaches, and world-famous gastronomy, living in France is a unique experience. The more relaxed pace of life in many regions is particularly appealing to expatriates. looking for a better work-life balance.

Public infrastructures and services

French infrastructures, whether transport or public services, are among the most developed in the world. The rail network allows rapid travel across the country, while educational and health services are accessible and of high quality. Access to these services is a major asset for expatriates, especially those who move in with their families.

Professional opportunities for foreigners

France offers numerous professional opportunities, especially in sectors such as technology, finance and engineering. Major cities like Paris and Lyon attract international talent thanks to a dynamic market and companies open to hiring diversified profiles. In addition, expatriates can benefit from specific programs to facilitate their integration into the labor market.

The advantages of the French health system

The French health system is often cited as one of the best in the world. Expatriates who settle in France can access quality care at affordable rates thanks to Social Security. This includes medical consultations, treatments, and even reimbursements for certain medications. This is a particularly reassuring aspect for those who want to settle in the long term.

Cultural and social aspects

Living in France also means enjoying a rich and varied cultural environment. Between museums, festivals, and local traditions, there is always something to discover. The French attach great importance to social life, whether through convivial meals or community events. This cultural openness facilitates the integration of expatriates into their new living environment.

The testimonies of expatriates living in France

“Moving to France was a turning point in my life. I discovered a rich culture, a reassuring health system, and a quality of life that I had never experienced before. The French are welcoming, and the landscapes are breathtaking. I absolutely do not regret my choice.” - Testimonial from an American expatriate.

Mistakes to avoid when buying real estate in France

Do not inquire about local laws

One of the most common mistakes is to neglect to learn about local regulations. Each country has its own real estate laws, and France is no exception. For example, it is crucial to understand the obligations associated with the sales agreement or the implications of Transfer tax. Not knowing these aspects can lead to unexpected delays or expenses.

Underestimate ancillary costs

Buying real estate is not limited to the purchase price. In France, notary fees, local taxes such as property taxes, and possible renovation work can represent a significant part of the budget. Here are a few examples:

Neglecting property inspections

Another common mistake is not doing a thorough inspection of the property prior to purchase. Hidden problems such as leaks, faulty electrical installations, or non-compliant work can be expensive in the long run. Call in an expert for a detailed assessment.

Sign a compromise without understanding the terms

The sales agreement is a binding legal document. If you do not understand the clauses, especially those concerning the suspensive conditions, you could find yourself in a delicate situation. Be sure to consult a notary or specialized lawyer before signing.

Not budgeting for renovations

It's easy to underestimate the cost of the work required to rehabilitate a property. Even if the property seems to be in good condition, always include a margin in your budget for the unexpected.

Ignoring professional advice

Finally, many foreign buyers think they can manage everything on their own, which is a mistake. Real estate agents, notaries, and brokers can help you avoid costly mistakes and simplify the process.

Buying real estate in France can be a great adventure, but it requires preparation and vigilance. By avoiding these mistakes, you maximize your chances of success and satisfaction.

Modern tools to facilitate your real estate purchase

Mobile applications for research

Today, mobile applications are transforming the way we search for real estate. Thanks to platforms like SeLoger or Bien'ici, you can filter your searches by location, budget, or even type of property. These tools allow you to receive alerts in real time., ensuring you don't miss out on any opportunities.

Online loan simulators

Before even visiting a property, it is essential to know your borrowing capacity. Online loan simulators, offered by most French banks, allow you to estimate your monthly payments and the total amount of your credit. This simplifies financial planning and saves you from surprises during negotiations.

Virtual tour platforms

Virtual visits have become indispensable, especially for foreign buyers. They offer a detailed view of the goods without having to travel. Some agencies even offer live visits via videoconference, allowing you to interact with an agent on site.

Translation services for documents

For non-French speakers, understanding legal and administrative documents can be a challenge. Specialized translation services ensure that each term is clear and understandable, avoiding costly mistakes.

Tools for managing administrative procedures

Platforms like MyNotary centralize all administrative steps, from electronic signature to document tracking. These tools greatly simplify the process, reducing delays and errors.

Technological innovations in real estate

Artificial intelligence and augmented reality are redefining the industry. For example, some tools allow you to visualize renovation or interior design projects before buying. These innovations help make more informed decisions.

The French regions most popular with foreigners

Provence and its authentic charms

Provence is a region that immediately evokes images of lavender fields, colorful markets, and sun-drenched stone houses. It is an ideal destination for those looking for peace and quiet and an immersion in the French way of life. Picturesque villages such as Gordes or Roussillon particularly attract foreign buyers. Its authenticity and its Mediterranean climate make it a place of choice.

The French Riviera and its incomparable luxury

With its renowned beaches, luxurious yachts and glamorous ambiance, the French Riviera is a popular region for wealthy investors. Cities like Nice, Cannes or Saint-Tropez offer not only spectacular landscapes but also access to a prestigious lifestyle. The prices are high there, but the investment is often perceived as safe thanks to the constant demand.

The Dordogne and its bucolic setting

The Dordogne seduces with its green landscapes, its historic castles and its more affordable real estate prices. This region, which is very popular with British people, is perfect for those looking for a country home or a peaceful retreat. Villages such as Sarlat-la-Canéda offer a unique charm and an exceptional quality of life.

Brittany and its maritime traditions

For lovers of wild coastlines and maritime traditions, Brittany is an essential choice. Its stone houses, beaches and fishing ports attract buyers in search of authenticity. Cities like Saint-Malo or Quimper combine history, culture and nature, while remaining financially accessible.

Île-de-France and its economic opportunities

Île-de-France, and in particular Paris, is an essential region for expatriates and investors. With average prices around 9,800 €/m² in 2025, Paris remains a safe bet, especially in neighborhoods like the Marais or Saint-Germain-des-Prés. Peripheral areas, such as the 19th and 20th districts, offer interesting opportunities thanks to Grand Paris projects.

The Alps for mountain lovers

Finally, the Alps seduce winter sports and nature enthusiasts. Resorts like Chamonix or Megève offer luxury real estate, which is often sought after for second homes. It's a region where you can enjoy activities all year round, whether it's skiing in winter or hiking in summer.

Whichever you choose, each French region has its own charm and unique advantages. Take the time to explore to find the one that best fits your expectations and lifestyle.

Tax implications for foreign buyers

Taxes on rental income

As a foreigner who owns a property in France, you are subject to tax on rental income if you rent your property. This income is generally taxed according to the progressive income tax scale, with social security contributions of 17.2%. However, some bilateral tax treaties can avoid double taxation.

Tax obligations for non-residents

Non-residents must declare their property income in France, even if they live abroad. It is important to:

• Open a tax account online to facilitate the procedures.
• Know the reporting deadlines.
• Understand the specific rates applicable to non-residents.

Tax treaties between countries

France has signed tax treaties with numerous countries to avoid double taxation. These agreements determine where and how your real estate income will be taxed. Consult a tax advisor to check if your country of origin has an agreement with France.

Tips for optimizing your taxation

To reduce your tax burden, here are a few tips:

1. Take advantage of the allowances for the duration of ownership on real estate capital gains.
2. Consider rental investments to benefit from tax systems such as the “micro-land” regime.
3. Call on a tax expert to anticipate your obligations and maximize your benefits.

Tip: Good tax management can transform your real estate investments in France into profitable opportunities.

The impacts of IFI on real estate

The Real Estate Wealth Tax (IFI) concerns net real estate assets greater than 1.3 million euros. If you are concerned, you will have to report the net value of your assets, net of current loans.

The services of a tax consultant

Hiring an experienced tax advisor can help you understand the intricacies of French taxation. He can also guide you to benefit from exemptions, such as those relating to capital gains when reselling your property. For example, in 2025, expatriates can benefit from an exemption from capital gains tax under certain conditions, as indicated hither.

Support services for foreign buyers

Specialized real estate agencies

For foreign buyers, working with specialized real estate agencies can greatly simplify the process. These agencies understand the specific needs of non-residents and offer adapted services, such as targeted research or assistance with administrative procedures. They often play a key role in the success of your real estate project.

Bilingual lawyers and notaries

The use of bilingual legal professionals is essential to avoid misunderstandings in legal documents and contracts. These experts ensure an accurate translation of legal terms and ensure that your rights are respected throughout the purchase.

Credit brokers for non-residents

Brokers specializing in real estate loans for foreigners can help you find the best deals from French banks. They negotiate advantageous conditions for you and advise you on financing options adapted to your situation.

Translators for official documents

Official documents, such as bills of sale or contracts, often need to be translated to be understood and validated. Professional translators ensure a clear understanding and avoid costly mistakes.

Relocation services for expatriates

These services support newcomers in settling in France. They may include looking for temporary housing, opening a bank account, or registering for public services. This makes for a smooth transition into your new life.

Platforms dedicated to foreign buyers

Some online platforms offer tools and resources that are specifically designed for international buyers. This may include loan simulators, practical guides, or even databases on available real estate.

The steps to resell a property in France

Administrative procedures for resale

To resell a property in France, certain administrative procedures are essential. Here are the main steps:

1. Preparing mandatory real estate diagnoses : Before putting a property on sale, it is imperative to provide technical diagnoses such as the DPE (Energy Performance Diagnosis), the asbestos diagnosis or the Termite diagnosis.
2. Gather the necessary documents : This includes the title document, the invoices for the work carried out, and, if the property is in co-ownership, the minutes of the general meetings of the last three years.
3. Sign a sales mandate : If you use a real estate agency, a mandate must be signed to define the conditions of the sale.

Tip: Good administrative preparation can speed up the sale and avoid unnecessary delays.

Real estate capital gains taxes

In case of capital gain realized during the sale, taxation may apply. Here are a few key points:

• The main residence is exempt from this tax.
• For a second home or a rental investment, the tax rate varies according to the length of ownership of the property.
• Deductions are possible after 5 years of detention, with total exemption after 22 years for income tax and 30 years for social security contributions.

Strategies for valuing your property

To maximize the value of your property, here are some strategies:

• Carry out small renovation work : Fresh paint or a modernized kitchen can make a big difference.
• Highlighting spaces : Declutter and rearrange rooms to make them more attractive.
• Call on a professional photographer : High-quality photos attract more potential buyers.

Tips for choosing a real estate agency

Working with a real estate agency can simplify the sales process. Here's how to choose:

• Check the reviews and recommendations.
• Compare the commission rates offered.
• Choose an agency with a good knowledge of the local market.

The deadlines to be expected for resale

The time required to sell a property can vary depending on several factors such as location, price and demand. On average:

• Properties in urban areas : 2 to 4 months.
• Properties in rural areas : 6 months or more.

Note : These deadlines may be longer if the asking price is higher than the estimated market value.

Mistakes to avoid when reselling

To avoid common pitfalls, keep these things in mind:

• Do not overestimate the price of the property.
• Neglecting the presentation of the housing.
• Forget to prepare the necessary documents on time.

By following these steps and avoiding these mistakes, you will increase your chances of selling quickly and in good conditions.

The differences between buying new and old in France

The advantages of a new property

Buying a new home offers several advantages:

• Reduced notary fees: Around 2 to 3% of the price of the property, compared to 7 to 8% in the old one.
• Modern comfort : New properties comply with the latest energy and acoustic standards.
• 10-year warranty: 10-year protection against construction defects.

However, prices per square meter in new homes are often higher than in old ones.

The specificities of ancient properties

Old real estate properties, on the other hand, seduce by their charm and location:

• Purchase prices are generally lower, especially in historic centers.
• Possibility to negotiate more with sellers.
• Wide choice of properties in established neighborhoods.

But beware of renovation costs, which can quickly be added to the initial budget.

Maintenance and renovation costs

An old property often requires work:

1. Upgrading to electrical standards.
2. Thermal insulation to reduce energy bills.
3. Various repairs such as roofs or plumbing.

In the nine, these expenses are almost non-existent during the first years.

Guarantees for new homes

With a new property, you benefit from legal guarantees:

• Guarantee of perfect completion (1 year).
• Biennial warranty for equipment (2 years).
• 10-year warranty for large structures (10 years).

These protections reduce the financial risks associated with construction defects.

Administrative procedures for each type

The procedures vary between new and old:

• In the new one, you sign a reservation contract before construction.
• In the old one, you go directly to the sales agreement.

New delivery times can be up to 24 months, unlike an old purchase where the transaction is faster.

Tips for making the right choice

To choose between new and old, consider:

• Your initial budget and your financing capacities.
• Your preferences in terms of style and location.
• Long-term costs, especially for maintenance or energy savings.

Tip: If you are looking for a rental investment, choose the new one for its tax advantages, such as the Pinel law, or the old one in areas with high demand.

In France, buying real estate can be done in two ways: by choosing new housing or by opting for an old one. New homes are often more modern and require less work, while older homes may have charm and a lower price. Each option has its pros and cons. If you want to know more about these differences and find the apartment that's right for you, visit our site!

Conclusion

Buying real estate in France as a foreigner may seem daunting at first, but with a bit of preparation and the right advice, it's totally doable. Whether for a second home, a rental investment or a life project, each step of the process can be simplified thanks to modern tools and the support of professionals. Take the time to clearly define your needs, to surround yourself with the right people, and above all, to enjoy this unique adventure. France, with its charm and diversity, awaits you to write a new chapter in your history.

Frequently asked questions

Can a foreigner buy real estate in France?

Yes, foreigners can buy real estate in France without legal restrictions.

What documents are required to buy a house in France?

You will need an ID, proof of address, a bank statement and, if applicable, a residence permit.

What is the role of the notary in a real estate transaction?

The notary ensures that the transaction is legal, draws up the official documents and registers the sale with the authorities.

Can foreigners get a mortgage in France?

Yes, but French banks may require additional guarantees for non-residents.

What are the additional costs to expect when buying a property?

The fees include transfer taxes, notary fees and possibly agency fees.

Are there tax benefits for foreign investors?

Yes, some devices such as the LMNP regime (Non-Professional Furnished Rental Company) offer tax advantages.

How long does the real estate buying process take in France?

In general, it takes between 2 to 3 months between the signing of the sales agreement and the final act.

Are virtual tours reliable for buying remotely?

Virtual visits provide a good first impression, but a physical visit is always recommended if possible.

What are the taxes on real estate in France?

Owners must pay property tax and, in some cases, housing tax.

What are the pitfalls to avoid when buying real estate in France?

Not understanding the terms of the compromise, underestimating ancillary costs, and ignoring professional advice are common mistakes.

What are the advantages of a second home in France?

A second home allows you to enjoy regular vacations while being able to rent the property to generate income.

How do I choose the ideal region to buy in France?

Consider your budget, lifestyle, and goals, such as proximity to the sea, mountains, or big cities.