Thinking about buying a home in France? Just a dream or more than that? It doesn't matter - UCB holds the keys! 

So, you would like to invest in France? 
Whether you’ve decided to relocate, buy a holiday place, the choice between old, new, house or flat is yours.

If your heart is set on new property, buying “off-plan” is a popular option that enables you to choose from the extensive range of “ready to go” projects available on the French property market today. The parties will be required to sign a reservation contract that stipulates, among other things, the price of the home when built. If you’re buying “off-plan”, BNP Paribas International Buyers can ensure that for up to 36 months monthly payments are kept to a minimum whilst construction is in progress meaning that you can start paying back the loan when you take possession of your new property.

This deferment option can take 2 forms: either deferment of capital payments only, or deferment of both capital and interest payments.Whatever option you choose, you will be required at theminimum to pay the monthly insurance premium if applicable during the period of deferment.

* Subject to conditions. Please contact your Mortgage Adviser for further information.

Your project in 5 easy steps

Step 1 - Contact BNP Paribas International Buyers

Discuss your needs with one of our bilingual personal mortgage advisors and together, develop your financial plan or find out exactly how much you can borrow.  You will then receive a detailed quote based on the information that you have given.

Step 2 - Find your property

This step involves finding your property and ensuring that you have made the right choice. If necessary, call on professionals for advice. The next step will be to sign the reservation contract. Once you have signed this document no one else will be able to buy the property you have chosen. However, don’t forget that you still have 7 days should you wish to change your mind.

Step 3 - Sign your reservation contract and appoint a notary

In the case of buying “off plan” you will sign a reservation contract. Remember to insert a clause into this document stating that it is subject to mortgage acceptance, otherwise, you will lose your deposit should the mortgage be refused.
Appoint a notary(*). In France, the buying and selling of property is handled by a notary, a public official who ensures that all deeds of sale are authentic. Notaries are responsible for the drawing up of such deeds and, in some cases, the reservation contract. The advice they give is objective and they must act impartially towards the various contractual parties.  
BNP Paribas International Buyers will be happy to provide you with details of English speaking notaries in France.


(*) Usually, the seller appoints a notary who must act impartially and ensure that the transaction is carried out correctly. However it is possible for the buyer to appoint his/her own notary at no extra cost to the buyer or the seller. The notary fees will be shared equally between the respective notaries.

Step 4 - Complete the mortgage application and life insurance forms

Nothing could be simpler. Once these forms have been duly completed, return them to your personal BNP Paribas International Buyers mortgage advisor. At the same time, you will also need to submit a certain number of other documents concerning personal details, income and outstandings. Following acceptance of your application you will receive your BNP Paribas International Buyers loan offer of which a copy will have been sent to your notary. By law, you must wait at least 10 days before accepting the mortgage.  However, be careful not to exceed a 30-day deadline after which BNP Paribas International Buyers will not be obliged to maintain the financial conditions of the offer.

Step 5 - Completion – more than just a dream!

In France it may take from two to three months from the moment you sign the reservation contract to the moment you sign the final deed of sale. The notary will make a written request to us to release the first stage of mortgage funds and in turn we transfer the agreed amount to the notary. 
French law stipulates that the notary retains the original deeds of sale and you will be given an official copy.

Take a look at some of our loan offers

 BNP Paribas International Buyers offers the most extensive range of mortgage solutions to International Buyers wishing to invest in France. Fixed or Variable, Capital Repayment Loan or Interest Only, Deferred Payment…

Interest Only Loan

 A mortgage that requires no savings vehicle as guarantee. This means that you can keep intact your investments in property, stocks and shares without having to sell or cash in. As you will only be paying the interest and the insurance on your loan each month your outgoings will be considerably reduced whilst the capital will be paid off in one lump sum at term.
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Special 2 or 5 year

A fixed rate loan for 2 or 5 years, then, a variable rate with constant monthly repayments. A new solution that combines the security of a fixed rate with the flexibility of a variable one enabling you to respond quickly to changing circumstances
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.
 

BNP Paribas International Buyers is a business line of BNP Paribas Personal Finance.
BNP Paribas Personal Finance - Credit institution – Société Anonyme incorporated under French law with a share capital of 453 225 976 euros - 542 097 902 RCS Paris -
Head office: 1 bd Haussmann, 75009 PARIS Insurance Intermediary (N° ORIAS : 07 023 128) Insurer(s): Cardif Assurances