Whether you’re eyeing a Parisian pied-à-terre, a Provençal vineyard, or a Riviera retreat. With strong legal protections, a stable economy, and attractive financing options, buying property in France as a foreigner is both possible and rewarding.
The buying process: Smooth and structured
Foreigners face no restrictions when purchasing real estate in France, but the process is highly structured. Once you find your ideal property, you’ll sign a Compromis de Vente (preliminary contract) and put down a deposit (usually 5–10%). After legal checks by a notaire, the final deed (Acte de Vente) is signed, and the property is yours!
Choosing the right ownership structure
How you structure your purchase impacts taxes, inheritance, and liability. Options include direct ownership (in your name), French SCI (Société Civile Immobilière) for estate planning, or holding through a foreign company for privacy and asset protection. The right structure depends on your personal situation, so consulting an expert is crucial.
Financing options: Leverage your investment
Even if you can buy in cash, financing through a French mortgage can be advantageous. Banks offer loans to foreigners, typically up to 70% LTV (Loan-to-Value) with rates lower than many international markets. French lenders assess income, assets, and credit history, so working with a mortgage broker can streamline the process.
Tax considerations: Plan smartly
Real estate ownership in France comes with taxes, including stamp duty (5-7%), property tax (Taxe Foncière), and potential wealth tax (IFI) for high-value properties. Rental income is also taxed, but structuring through an SCI or non-resident tax regimes can optimize costs. Expert advice can help to minimize liabilities.
Investing in commercial real estate
France is not only a prime destination for residential buyers but also offers potential opportunities in commercial real estate. From retail spaces and office buildings to hotels and vineyards, investors can benefit from a stable economy, strong tenant demand, and attractive rental yields.
Commercial properties may also provide strategic advantages, such as business residency options and tax efficiencies, when structured correctly. Whether you’re expanding a business or diversifying your portfolio, France’s commercial real estate market presents a compelling opportunity.
Why France? Stability, prestige, and opportunity
French property offers long-term value, a strong rental market, and a culturally rich lifestyle. From the tax-friendly benefits of LMNP (furnished rentals) to golden visa options via investment, owning real estate in France is both a financial and lifestyle win. With the right structure and financing, your French dream home might also be a valuable addition to your financial strategy.
Alpen Partners International à votre service
Bien sûr! Alpen Partners International is your trusted partner in establishing a life in France.
Beyond traditional wealth management services, we understand the growing trend of seeking residences in foreign countries like France. Our services often extend to citizenship and residence planning, helping Americans to gain permanent residency that may lead to citizenship in various preferred destinations throughout Europe. We also provide comprehensive relocation services to help with a smooth transition into your new home and lifestyle.
All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.
Interested? Contact us now
Overview
Have any questions?
We are your partner to find the best private bank.
Contact us to enhance your financial plan today.
