What fees are involved in buying property in France?

Frais de notaire (resale): 7–8% of purchase price (mostly transfer tax + registration); Frais de notaire (new-build, <5 yrs): 2–3% of purchase price; Agency fees: 3–8% — usually included in advertised price; check who pays; Mortgage arrangement: 0.5–1.5% of loan, plus broker fees if used; Annual taxe foncière: Varies by commune; typically 0.1–1% of cadastral rental value

How long does it take to buy property in France?

Offer to compromis de vente: 2–4 weeks; Cooling-off period (statutory): 10 days after signing compromis; Compromis to acte de vente: 2–3 months (longer if mortgage); Total typical timeline: 3–4 months

What do I need in order to buy property in France?

Passport / ID (required); French bank account (RIB) — Not legally required but expected by notaires and utility providers; Proof of address (required); Proof of funds / mortgage offer (required)

Buying property in France

France places no restrictions on foreign property ownership. The notaire (a public official, not a lawyer for either side) handles the conveyance and is paid by the buyer. A French bank account is strongly recommended for completion funds and ongoing charges.

No residency requirement to buy. Non-resident mortgages available from French banks, typically 70–80% LTV with stricter affordability checks. France abolished taxe d'habitation on primary residences (2023) but it still applies to second homes — and many communes now apply a surcharge of up to 60% on second homes in high-demand zones.

General guidance only — confirm specifics with a qualified local lawyer or tax adviser. Reference

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