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September French Mortgages Update

Posted by Sextant Properties on December 15, 2020

This agitated summer has seen the appearance of fears due to some financial falls and rises. Some reputed companies such as La Societe Generale have lost more than 10% of their valuation in a day (10/08/2011). However, these drops do not reflect the reality of the market. Actually, USA’s firm have shown encouraging results and even in Europe the economic situation would have been much better if the price of the Euro and the raw materials costs weren’t that high.

Rate Type Interest Rate Maximum LTV Term Monthly repayment for €100,000
Variable Interest Only 3.85% 75% 7 €321
Variable Repayment 2.90% 80% 20 €550
Fixed Interest Only 3.80% 80% 10 €317
Fixed Repayment 3.85% 80% 25 €520
Capped Repayment 3.60%+1% 80% 20 €585


Capital gain tax update: The French government recently reacted to the financial storm by doing some changes in the taxation system. The most notable change is the modification of the capital gain tax, for owners of second home and BTL investments. Previously If you weren’t classed as a resident in France but you are in the EU, then the applicable tax rate was 19%. Furthermore, the tax rate lowers by 10%/year, five years after the purchase. With the new measure the 10% reduction/year is removed. The rate of 19% is applied throughout the 15 years minus the inflation rate. After 15 years there is no CGT payable.

For more details regarding French mortgages, you can have a look at our French mortgage Best buy tables or visit our French mortgage website.
If you would like to receive a free quote with no obligation, contact our in-house mortgage consultants by telephone: 0207 428 4918 or by email: [email protected]

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