Happy in your current house but need some extra space? Thinking of some home improvements, an extension or even a pool of your own -  then this is the French Mortgage product you’ve been looking for.

With a minimum loan of 80,000euro a loan term of 8 – 30 years plus, you even have the flexibility of suspending the repayments for a period of up to 12 months. You can even use the loan for an Investment Property or a Second Home.

If you’re interested in finding out more about this incredible French Mortgage call Matt or Gael on +33(0)4.92.98.80.70 or complete the Enquiry Form

Terms:

• Payments can be suspended in part or in full at any time upto a 12 month period
• Product can be switched from variable to fixed at any time
• Adjustable interest rate giving security and savings – pls contact our team for more information
• Loan period 8 – 30 years
• Minimum laon amount of 80,000euro
• Primary or Secondary Residents or Holiday Home
• Property Investment
• Home Improvements
  

Purpose of Loan:

• Primary or Secondary Residents or Holiday Home
• Property Investment
• Home Improvements

Interest rate:

• Fixed on a 12 month basis and indexed on the 3-month Euribor
• The rate can be switched from adjustable to fixed at any time

Monthly payments

• Monthly payments are set for 12-month periods. At the end of each period, the payment amount is adjusted based on changes in the reference index.

Notes:
At the end of the 12 months if the index has gone down – the monthly payment remains the same, which means that the capital will be paid off more quickly and the loan duration will shorten. If the index has gone up – the monthly payment increases, but the increase is capped at the rise in the French cost-of-living index. The new payment amount will then be in effect for to the following 12 months. Based on the projected payments schedule, any capital that is not repaid at the end of the initial loan contract may be repaid through an extension of the loan. The loan may be extended for a maximum of five additional years. The bank will bear the cost of any amounts in excess of this contractual framework.

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