Access personalized analysis to identify your financing options in France from the United States.
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Our free mortgage calculator allows you to instantly estimate your monthly payments and borrowing capacity. In just a few seconds, you receive a complete simulation of your real estate project in France.
What our simulator calculates:
The mortgage payment: the exact amount you will repay each month (principal + interest)
The debt-to-income ratio: the percentage of your income devoted to repayment (max 33% according to French banks)
The feasibility of the project: instant validation according to current banking criteria
To use the calculator, simply enter the property's price, your personal contribution, your monthly income, the desired duration, and the interest rate. The results are displayed in real-time with a visual indicator of the quality of your borrower profile.
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Bank Criteria for Expats in 2025
Obtaining a mortgage in France as an expatriate or non-resident requires meeting stricter criteria than for a French resident:
Debt-to-Income Ratio: Banks apply the 33% maximum rule but are more cautious with non-residents. A ratio around 30% or less optimizes your chances of acceptance.
Minimum Personal Contribution: Expats can access a mortgage in France starting with a 10% contribution of the property's price, although conditions and acceptance vary according to profiles and banks.
Why a Higher Contribution is Important for Expats: A contribution of 10 to 20% of the property's price compensates for the perceived risk by banks (geographical distance, foreign income), reduces your monthly payments, and the total cost of the mortgage while significantly improving your acceptance rate.
Our mortgage simulator automatically calculates the impact of your contribution on monthly payments and the total cost of your project.
Justification of International Income
French banks carefully analyze your income when it comes from abroad:
Stability of your professional situation (local permanent contract, long-term contract)
Currency of your income (Euros favored, followed by stable currencies: USD, CHF, GBP)
Country of residence (OECD zone preferred)
Tenure in your current position (minimum 1-2 years)
How to Maximize Your Borrowing Capacity as an Expat:
Increase your contribution to a minimum of 10%
Present stable income in a strong currency
Demonstrate regular savings (repayment capacity)
Favor short durations (15-20 years vs 25-30 years)
Consult a broker specialized in expats (crucial!)
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Impact of Mortgage Duration for Non-Residents
The repayment duration affects your monthly payments but also your bank acceptability as an expatriate. Banks are more hesitant about long durations for non-resident clients.
Specific Recommendations for Expatriates:
Short Mortgage (15 years): Recommended for expatriates. Banks appreciate short-term commitments and you save on interest. Easier acceptance.
Medium Mortgage (20 years): Standard duration acceptable for non-residents with a good profile (10%+ down payment, stable income). Best balance between monthly payment and cost.
Long Mortgage (25 years): Difficultly accessible for expatriates. Reserved for exceptional profiles (very high income, 15%+ down payment, OECD countries).
Interest Rates for Expatriates in 2025
The rates applied to non-residents are generally 0.3% to 0.6% higher than for French residents, due to perceived risk.
Factors Influencing Your Rate as an Expatriate:
✓ Country of Residence: Eurozone and OECD favored, lower rates
✓ Income Currency: EUR = optimal rate, USD/CHF/GBP = slight surcharge, other currencies = significant surcharge
✓ Personal Contribution: Every additional 5% improves the rate
✓ Type of Employer: Multinational or international organization = advantage
✓ Mortgage Duration: Short durations = better rates
✓ Use of a Specialized Broker: Access to partner banks with better expatriate rates
Bank Specifics for Expatriates
Some French banks are more open to financing non-residents:
International banks (HSBC, BNP Paribas International)
Private banks (for wealth profiles)
Regional banks through specialized brokers
Savings Banks and Cooperative Banks (depending on profiles)
Next Steps After Your Simulation
Once you have conducted your simulation with our expatriate calculator:
Check Your Eligibility: Ensure you have at least 10-20% down payment
Prepare Your Expatriate-Specific Dossier: Certified translation of documents, proof of foreign income, employer's certificate
Contact a Specialized Broker: Essential for expatriates - they know the banks accepting non-residents and negotiate for you
Anticipate Delays: Allow 3-4 months for an expatriate dossier (vs 2 months for a resident)
Our calculator provides an estimate tailored for expatriates, but only a comprehensive analysis with an international finance expert will allow you to obtain the best conditions for your real estate project in France.