The essential tool for buying property in France
Cash needed to close is an estimated figure that incorporates your down payment; notaire, legal, bank & broker fees.
Estimated Monthly Payment
Total Cost of Credit
129 381 €
Estimated Notary Fees
20 000 €
Total Interest Cost
94 421 €
Total Insurance Cost
14 960 €
These results are provided for informational purposes only and do not constitute financial advice. Actual amounts may vary. Consult a professional for personalized advice suited to your situation.
Our French mortgage calculator is designed specifically for the intricacies of the French real estate market. It automatically estimates your monthly payments based on the loan amount, duration, and interest rate. Crucially, it also includes estimates for French notary fees (approx. 8% for older properties, 2.5% for new builds) and borrower insurance, giving you a realistic view of the total acquisition cost.
Notary fees (frais de notaire) are acquisition costs added to the purchase price. They primarily consist of state taxes (stamp duty), disbursements, and the notary's fee. For existing properties ('ancien'), plan for about 7-8% of the sale price. For new build properties ('neuf' or VEFA), fees are significantly lower, typically around 2-3%.
Borrower insurance (assurance emprunteur) is virtually mandatory for all mortgages in France. It covers the loan in case of death or disability. The insurance rate can significantly affect the Annual Percentage Rate of Charge (TAEA). International buyers should be aware that they can choose their own insurer (delegation of insurance) to potentially find better rates than the bank's standard offer.
Your borrowing capacity depends on your net income and current expenses. In France, the debt-to-income ratio generally must not exceed 35% of your income, including insurance. Our simulator helps you estimate monthly payments for different loan amounts, allowing you to determine what fits within your budget.
Notary fees are significantly higher for existing properties (about 7-8% of the property price) than for new builds (about 2-3%). This difference is due to reduced registration taxes for new housing or VEFA (off-plan) purchases.
Yes, our calculator integrates the cost of borrower insurance into the total monthly payment. This is essential to know your actual monthly burden and respect the maximum authorized debt ratio.
Mortgage rates vary depending on the loan duration and your profile. In 2026, they are tending to stabilize. Use our tool to simulate different rate scenarios and see their immediate impact on your monthly payment.
Yes. In some situations, buyers consider using a personal loan for short-term needs such as renovation costs, furniture, or bridging expenses, while relying on a mortgage for the property purchase itself. To better understand your options, you can first estimate your property financing using our mortgage calculator, and then compare it with monthly payments from a personal loan calculator. This comparison helps you choose the most suitable financing structure based on interest rates, loan duration, and overall monthly affordability.
