As France continues to attract more and moreOverseas ImmigrationIn the last few years, "buying a house in France" has become a major trend among middle class families and high net worth individuals, especially from China.immigrantsAn important part of planning that cannot be bypassed. However, France and domestic real estate rules are very different, not only the legal system is complex, the tax policy is also more cumbersome, coupled with the language differences, many people often in the selection of housing, loans, tax processing and other aspects of the suffering.

This article will start withInvesting in hot cities, tax knowledge, loan policiestogether withcaveatFour dimensions to give you a comprehensive overviewImmigration to FranceThe whole process of purchasing a home helps you to easily embark on the road of "French home ownership".

First, what are the popular cities in France that are suitable for investment?

The real estate market in France has been relatively stable, especially in the following cities, because of its active economy, rich educational resources or tourism attraction, it has become the most favored place for Chinese immigrants to buy houses:

1. Paris

As the capital of France, Paris has high property prices, but also has a strong ability to retain value and rental returns. It is suitable for families with sufficient budget, who prefer long-term investment or for children studying abroad.

2. Lyon

France's second largest city, industrial, commercial and transportation hub status is prominent, the cost of living compared to Paris is lower, suitable for immigrant families who want to settle in the long term but do not want to bear the high cost of housing.

3. Bordeaux

The representative city of Southern France, with pleasant climate, developed tourism, and influx of foreign population driven by the opening of high-speed railway in recent years, the real estate value-added space is considerable, which is suitable for those who prefer quality of life and medium- to long-term investment.

4. Nice

Located on the Côte d'Azur coastline, the star city is a preferred vacation and retirement destination for people who are looking to buy a vacation home or retire with a decent rental return.

Second, what are the taxes involved in purchasing a home in France? Tax points you must know

There are several taxes involved in a French property transaction, and here are a few of the core ones you need to focus on as an immigrant home buyer:

✅ 1. Acquisition tax (Frais de notaire)

This cost is typically a percentage of the price of the house 7%~8%The buyer will be fully responsible for the government registration fee, appraisal fee, notary fee, and so on.

✅ 2. Real estate tax (Taxe foncière)

The amount is payable annually and is based on the valuation of the property and the city in which it is located. Immigrant homebuyers are required to pay even if they have not yet obtained permanent residence status.

✅ 3. Tax on dwellings (Taxe d'habitation)

Originally borne by the occupant, but gradually exempted from 2023 for owner-occupied homes (primary residence) and levied only on non-primary residences (e.g., vacation homes).

✅ 4. Capital gains tax (Impôt sur la plus-value)

This tax is payable if the property is sold in the future and a profit is made. If the property is sold after 22 years, it is exempt from the tax.

Third, can foreigners get a loan to buy a house? How to do it is easier to pass the approval?

The answer.It's okay.And a lot of Chinese immigrants have succeeded in gettingLoan amount around 70%. However, taking note of the following points will help in getting a smooth approval:

1. Provision of complete financial documentation

Banks usually ask for proof of income, assets, and tax records for the past three years, and it is best to apply on the basis of assets already accumulated in the country.

2. Finding the right lending bank

Some French banks are more foreigner-friendly, such as BNP Paribas, Société Générale, HSBC, etc. It is advisable to look for branches with an international business department.

3. Engaging the assistance of a professional loan intermediary

If you are unfamiliar with the process, consider hiring a local French loan intermediary (courtier), who will be able to match loan packages more efficiently and also improve approval rates.

Fourth, the home-buying process and notes: do not ignore the legal and contractual details

The process of buying a house in France is more "slow-paced" than at home, and more dependent on lawyers and notaries, and consists of the following stages:

✅ First step: signing of the "Offer Agreement" (Compromis de vente)

This is a preliminary agreement between the two purchasers, signed by the buyer who pays a deposit of 5%-10%, with a 7-day estoppel period.

✅ Step 2: Bank loan approval (if any)

It typically takes 1 to 2 months to complete, varying slightly depending on the complexity of the loan.

✅ Step 3: Formalization of the closing agreement (Acte de vente)

The transfer of title is completed by a notary and the transaction is not considered complete until the house is handed over.

⚠️ Notes:

• French law is strict and it is important to sign documents with the assistance of a lawyer or a notary public and not to sign blindly.

• If you do not speak the language, hire a bilingual consultant who is qualified to translate.

• If used as an investment, please be clear about the rental rules, France has a strict tenant protection system.

put at the end

For many who wish toImmigration to FranceFor those who are interested in buying a house, "buying a house of your own" is not only the beginning of settling down, but also a source of confidence in building a new stage of life. Although the process of buying a house in France is cumbersome and the tax system is complicated, as long as you understand it clearly in advance and seek professional support, you can avoid detours and even use it as a springboard to pave the way to obtaining a long-term residence or even French citizenship in the future.

If you are planning toImmigration to Franceand are considering purchasing a home, you may want to start with theKnow your city, define your budget, consult a professional organizationStart, plan step by step and land steadily.