Cafpi French Mortgage : TOP ten tips for French Mortgage

  • When taking out a French mortgage, decide what your long-term project is.
  • Decide whether you just need a French mortgage or other banking services too (bank account, credit card, savings account, local branch or online service, etc). this will determine the choice of bank.
  • Start the mortgage process well in advance so that a mortgage application can be sent in as soon as you have signed the preliminary agreement (Compromis de Vente)
  • Insurance to cover the mortgage is compulsory in France. If you have a medical condition, make this clear from the start so the correct choice of bank/insurance company can be made
  • Send back the necessary paperwork promptly – a speedy application depends partly on your ability to provide the necessary documents in good time
  • Read the final mortgage offer carefully and ask for a translation if this isn’t provided. A mortgage can last for 20/30 years!
  • No crossings out or changes will be accepted on the medical questionnaire or the final offer, so filling this in correctly is vital to avoid delays.
  • Personal financing : decide how you will transfer this sum to the Notaire, and make arrangements well ahead of the signature date
  • Likewise, decide how you will service the monthly mortgage account (via monthly transfers, periodical lump sums etc). A permanent transfer avoids missed payments and bank charges.
  • The Notaire will send you the title deeds as soon as these are returned from the mortgage registration office. Check when this is likely to be (often around six months after signature).
OUR SERVICES
Services CAFPI French Mortgage brokers
Over
170 branches nationwide

Resident and non-resident mortgages

OUR OFFERS
Offers CAFPI French Mortgage brokers
Over
120 lending partners

Direct Access to all lenders across France

OUR INFORMATIONS
INFORMATIONS CAFPI French Mortgage brokers
Over
43years of experience EXPERTISE

In the French Mortgage Market

CAFPI negotiate with your credit and real estate loans CAFPI negotiate with your credit and real estate loans

Broker
Our job is to negotiate for you

Contact
Contact our specialist team

CAFPI Our International Department is situated in Normandy : 4 Quai Amiral Hamelin, 14000 CAEN France

A direct mortgage line : +33 2.31.84.14.14 Fax:+33 231 833 891 international@cafpi.fr