France 💰 EUR Last updated2026-05-28

Prêt immobilier Calculator France

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Quick answer (France)

A €250,000 prêt immobilier at 3.3% fixed over 20 years works out to a monthly payment of about 1 424 €, with total interest of 91 841 € over the full term.

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Mortgage Calculator

EUR

Home Value

€

LTV 80% · No PMI ✓

Loan Amount

€

Interest Rate

Term

Total Monthly

1.841 €

PITI

Principal + Interest

1.424 €

27% goes to interest

Total Interest

91.841 €

over 20 years

Monthly Breakdown

Principal & Interest1.424 €

Property Tax (1.1%/yr)286 €

Homeowner's Insurance (0.5%/yr)130 €

Total Monthly1.841 €

Principal vs Interest Split

73% principal

27% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Prêt immobiliers in France

Typical loan

250 000 €

in France

Typical rate

3.3% p.a.

prime borrower, 2026

Typical term

20 years

most common

Market overview

French prêts immobiliers are uniquely characterized by predominantly FIXED rates (95%+ of new loans), an HCSF-mandated DTI cap of 35%, and a strict 25-year maximum term. The French market features compulsory life insurance on the loan (assurance emprunteur). Major lenders include Crédit Agricole, BNP Paribas, Société Générale, La Banque Postale, and Crédit Mutuel.

Why 3.3% is the typical rate

3.3% is the typical 20-year fixed-rate prêt immobilier for prime borrowers (excellent credit history, stable salary income, 20%+ apport personnel) at 80% LTV in mid-2026. 25-year fixes run 3.5-3.7%.

Tax & regulatory notes

No mortgage interest deduction on owner-occupied homes. Frais de notaire add 7-8% to second-hand properties (2-3% on new builds). Taxe foncière (property tax) is annual, ~1% of cadastral value. The 2022 HCSF rule caps total debt-to-income at 35% (including assurance) and loan term at 25 years for resident buyers. PTZ (zero-interest loan) available for first-time buyers in zones tendues.

Local banks

France mortgage rates by bank

The main prêt immobilier lenders in France, with indicative 2026 rates and typical loan-to-value caps. Rates vary by borrower profile, residency and property type — use the calculator above with each bank's quoted rate to compare your real monthly payment.

Crédit Agricole

3.1–3.6% LTV up to 80%

France's largest mortgage lender through its regional caisses. Fixed-rate 20–25 year prêts immobiliers are the norm; strong in rural and secondary-city lending and a common first stop for foreign buyers with French income.

BNP Paribas

3.2–3.8% LTV 70–80%

Major national lender with dedicated expat and non-resident desks. Non-residents typically need 20–30% down and face slightly higher pricing, but English-language servicing is available.

CCF (ex-HSBC France)

3.2–3.9% LTV up to 80%

HSBC's French retail network was sold and relaunched as CCF in 2024 — existing HSBC France mortgages moved across. Still a popular route for international and UK-linked buyers seeking a French mortgage.

Crédit Mutuel & CIC

3.1–3.7% LTV up to 80%

Mutual banking group with competitive fixed rates and strong regional coverage. French mortgages are almost always fixed for the full term and total debt payments are capped at 35% of income (HCSF rule).

Indicative rates compiled from public bank disclosures and central-bank data for 2026; not a quote or an offer of credit. Confirm current terms directly with the lender.

🧮 Worked example

A €250,000 prêt immobilier at 3.3% fixed over 20 years

Loan amount

250 000 €

Annual interest rate

3.3%

Term

20 years (240 months)

Monthly payment

1 424 €

Total interest paid

91 841 €

Total paid (principal + interest)

341 841 €

❓ FAQ (France)

Common questions in France.

Why are French mortgages almost always fixed-rate?

Three reasons: (1) French banks fund mortgages through long-term bonds (Société de Crédit Foncier), naturally hedging the duration. (2) Cultural risk-aversion — variable-rate horror stories from the 1980s. (3) The HCSF 35% DTI cap is computed at the offered rate, making fixed easier to qualify with. As a result, 95%+ of new prêts immobiliers in France are pure fixed-rate for the full term.

What is assurance emprunteur and is it required?

Assurance emprunteur (borrower insurance) is mandatory in practice — banks won't approve a prêt immobilier without it. It covers death, disability, and job loss, paying off the remaining balance if you can't. Since the 2022 Lemoine law, you can switch insurers at any time during the loan (previously only at anniversary). The premium typically adds 0.10-0.40% to the effective rate (TAEG).

Can foreigners buy property in France with a French mortgage?

Yes — there's no nationality restriction for French real estate purchases. Non-resident foreigners can get French mortgages but typically at 60-70% LTV (vs 80-90% for residents). Major banks have international desks (BNP Paribas International, HSBC France). Tax residents of France get standard rates; non-residents face a slight rate premium and require either a French bank account or substantial liquid assets.

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