French Property Forum

[Noeli]

Hi,

Which documents do I need to show when asking for a mortgage in France?

Thanks

[Cookie]

Hi,

You will need to show proof of Civil Status; a passport, marriage or divorce certificate and your proof of credit worthiness.

[H Langley]

If you are presently employed you will need to show the last three months payslips and your bank statement. You will also need your last annual tax return certificate and a statement showing the balance of any existing mortgages or loans.

If you are self employed you will need your last three years tax returns, audited accounts certificates as well.
You will also most likely have to have a medical examination and you will definitely be required to open a French bank account.

[Buckner]

You will also need to have all the details about the property you wish to purchase.

Most banks also require that you take out Life Insurance; this is to assure them that should you die the mortgage repayments are guaranteed by the Insurance.

[FourEd]

I have been reading these forum posts and other many others. It seems that general majority seems to be that legal systems in foreign countries are much different to those in the UK. The best advice to give to someone who is buying a property abroad is to do your research before you make any drastic decisions and brush up on the local language. You shouldn't be put off by these things as owning a property abroad can be very rewarding.


http://www.pureintl.com

[jennyshred]

Presenting last three months of pays lips and a bank statement could be enough. Maybe you might have to present some personal documents like the passport. Following what are suggested might help you do it.