French Mortgage Approval in Principle

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Start
Personal Info
Properties
Investments
Revenue
Loans
Project Info
Finish

Please select your project type:

Please select your default currency

Default currency*

This will automatically set all currency fields to your chosen currency. You can still change each individual field as needed.

Your personal details

Title

First Name*

Last Name*

Birthdate*

Day Month Year

We need your birthdate to calculate the maximum loan duration and life insurance eligibility.

Primary nationality

Other Nationalities

If you hold multiple passports please indicate your other nationalities here. This may be useful in determining the range of mortgage products available to you.

Email*

We'll send a confirmation of your application to this email address. Please check your spam/junk mailbox if you do not receive an email after submitting the form.

Land Phone*

Please provide at least one phone number that we may contact you on.

Mobile Phone*

Please provide at least one phone number that we may contact you on.

Job Title

Type of Employment Contract

This will be used to filter the range of mortgage products available to you.

Employer

Year Joined

Country in which you pay Income Tax

Home address

City/State

Postal Code

Country of residence

Family situation*

Year married

Year divorced

Monthly alimony / maintenance paid

Age of dependent children

Will you have a co-borrower?*

Yes

Co-borrower personal details

Title

First Name*

Last Name*

Birthdate*

Maximum loan duration and life insurance eligibility will be calculated using your birthdate.

Primary nationality

Other Nationalities

If you hold multiple passports please indicate your other nationalities here. This will be used to filter the range of mortgage products available to you.

Email*

Land Phone*

Mobile Phone*

Job Title

Type of Employment Contract

This will be used to filter the range of mortgage products available to you.

Employer

Year Joined

Country in which you pay Income Tax

Home Address

City/State

Postal Code

Country of residence

Family situation*

Year married

Year divorced

Monthly alimony / maintenance paid

Age of dependent children

Your main home

Type of residence*

Home value estimate*

Currency*

The value of your total assets, net of debts, has an impact on the mortgage products you may qualify for. Please provide the home value estimate in the same currency as any mortgage information entered.

Mortgage lender

Capital outstanding

The value of your total assets, net of debts, has an impact on the mortgage products you may qualify for.

Monthly payment

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

End of loan

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Monthly rent paid*

Currency*

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Does the co-borrower share the same residence as the main borrower?*

Yes

Co-Borrower's Main Home

Type of residence*

Home value estimate*

Currency*

Mortgage lender

Capital outstanding

The value of your total assets, net of debts, has an impact on the mortgage products you may qualify for.

Monthly payment

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

End of loan

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Monthly rent paid*

Currency*

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Additional Properties

Do you own other properties?*

Yes

Additional Property

Asset owner*

This is used to estimate the amount of insurance coverage needed for each borrower.

Description / address

Mortgage lender

Estimated current value

The value of your total assets, net of debts, has an impact on the mortgage products you may qualify for. Please provide the estimated value in the same currency as any mortgage information entered for this property.

Currency*

Capital outstanding

The value of your total assets, net of debts, has an impact on the mortgage products you may qualify for.

End of loan

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Monthly mortgage payment

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Monthly rental income

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Do you own other properties?*

Yes

Investments

Asset Owner

Description of the investment

Current value

Currency

Remove

Please enter information regarding any investments you have such as cash in bank, stocks, bonds, shares etc. This information is used to calculate your net assets.

Add an investment GO

Are you self-employed or do you own a company?*

Yes

Self Employment / Company Ownership Info

Company name

Currency

Company owner / shareholder

This is used to estimate the amount of insurance coverage needed for each borrower.

Year founded

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Last Year

Accounting period

Please note the accounting period that this financial data relates to.

Turnover / revenue

Please note the total revenue of the company for this accounting period.

Net profit

This is the net profit after tax number that appears on your company account statements. You will be asked to provide the last three years of company accounts along with a signed letter from your accountant confirming the numbers.

Your % ownership

Please note your percentage ownership of this company for this accounting period.

Salary received from own company

Salary as French banks define it (PAYE income,) is paid out BEFORE the company’s net profit. Dividends are taken out AFTER the net profit calculation. And, if you are a sole trader, net profit is equal to your dividends. This would be the figure on the P60 form in the UK or Ireland or W2 in the US.

Dividend taken

Dividends as French banks define them, are taken out AFTER the net profit calculation. Salary (PAYE income) is paid out BEFORE the company’s net profit. And, if you are a sole trader, net profit is equal to your dividends. You will be asked to provide the last 3 years of your personal income tax declarations so the dividend amount taken can be verified.

2nd to Last Year

Accounting period

Please note the accounting period that this financial data relates to.

Turnover / revenue

Please note the total revenue of the company for this accounting period.

Net profit

Your % ownership

Please note your percentage ownership of this company for this accounting period.

Salary received from own company

Dividend taken

3rd to Last Year

Accounting period

Please note the accounting period that this financial data relates to.

Turnover / revenue

Please note the total revenue of the company for this accounting period.

Net profit

Your % ownership

Please note your percentage ownership of this company for this accounting period.

Salary received from own company

Dividend taken

Do you or the co-borrower own another company? If so, please add that information: Add

Revenue

Annual pre-tax salary

If you work for yourself, do not input salary information here. If you work for an employer, please enter your annual gross salary, before taxes or social security charges are deducted.

Annual pension / retirement income

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Other annual income (bonus, etc.)

Please enter any other regular recurring income here. Income such as annual bonus or dividend payments should only be entered if you have paperwork to demonstrate these amounts are consistent over the last 2 or 3 years.

Income related comments

Please add any notes relating to the income figures provided in this section.

CoBorrower's Revenue

Annual pre-tax salary

If you work for yourself, do not input salary information here. If you work for an employer, please enter your annual gross salary, before taxes or social security charges are deducted.

Annual pension / retirement income

This is an important input into the debt to revenue ratio calculation that is required for all French banks.

Other annual income (bonus, etc.)

Income related comments

Please add any notes relating to the income figures provided in this section.

Loans

Loan Type

Lender Name

Currency

Capital Outstanding

Monthly Payment

End of loan

Remove

Add an loan GO

Your Equity Release project details

Estimated value of the property in EUROS *

Property value is used to determine the maximum loan available. Please provide a conservative property value estimate as most banks will send an independent valuation agent to confirm this number.

Is the property a leaseback?

Yes

This will be used to filter the range of mortgage products available to you.

Current lender name

If you have an existing mortgage on the property, please provide the name of the bank.

Outstanding loan amount in EUROS

The value of your total assets, net of debts, has an impact on the mortgage products you may qualify for.

Amount of pre-payment penalty due

Please note that any existing loans on the property must be refinanced in the new loan. Indicate here if there will be a pre-payment penalty for the existing mortgage on the property so it can be included in the financial simulation.

Amount of cash desired

Please note the amount of cash you would like to receive once existing loans on the property are refinanced and all transaction costs are paid.

What will the cash taken out be used for?

Due to international money laundering rules, certain banks require a declaration of the intended use for the cash released on the property and may require proof of how the money will be spent. Your response will help filter the range of mortgage products best suited to your needs.

City

Postal code

Description of property

Please provide information such as number of rooms, building type, age, land included, etc. Be sure to note if the property is not currently habitable or if owned by a company such as an SCI.

Property use

Length of mortgage desired

Please note if you have a preferred duration in mind for your mortgage.

Preferred loan type

Preferred interest rate type

Your Pre-approval project details

Tell us about your project

Please describe your project (location, type of property, investment or second home, timing etc.) to help use filter the range of mortgage products available.

Estimated purchase price in EUROS

Please note if you have an approximate budget in mind. If you are not sure, please use the comments section on the final tab to note any questions you may have.

Amount of mortgage desired in EUROS

Please note if you have an approximate figure in mind. If you are not sure, please use the comments section on the final tab to note any questions you may have.

Maximum cash available in EUROS

Depending on your personal situation and the range of mortgage products available, each product has a different minimum down payment requirement. In order to provide you with the maximum possible loan options, please note the maximum amount of cash you have available for the down payment and associated closing costs.

Amount of cash you prefer to apply in EUROS

Please note here your preferred amount of cash to use for the down payment and closing costs.

Length of mortgage desired

Please note if you have a preferred duration in mind for your mortgage.

Preferred loan type

Preferred interest rate type

Your Buy-to-Let project details

Is this a new construction or existing property?

New construction

Existing property

Purchase or reservation agreement signed?

Yes

For existing properties you will typically sign a purchase agreement (promesse de vente or compromis de vente) and for new construction, a reservation agreement. Please indicate if this has already happened.

Purchase price in EUROS

Please enter the amount listed on your purchase or reservation agreement, not including any real estate or closing costs.

Real estate agent fee in EUROS

The real estate agent fees are sometimes paid by the buyer and detailed seperately in the purchase agreement. If this is the case, please enter the amount here.

Renovation loan amount required in EUROS

If you are planning to renovate the property and require additional financing for the works, please indicate the approximate amount here. Please note that many banks will require estimates from licensed and insured French companies to support the loan application and will only pay loan funds out to invoices from these companies.

Estimated future monthly rental income in EUROS

If you plan to use the property to generate rental income, enter the expected income here. This is an important input into the debt to revenue ratio calculation that is required for all French banks.

City

Postal code

Property type

Property use

Amount of mortgage desired in EUROS

Please note if you have an approximate figure in mind. If you are not sure, please use the comments section on the final tab to note the questions you may have.

Maximum cash available in EUROS

Amount of cash you prefer to apply in EUROS

Please note here your preferred amount of cash to use for the down payment and closing costs.

Length of mortgage desired

Please note if you have a preferred duration in mind for your mortgage.

Preferred loan type

Preferred interest rate type

Your Leaseback project details

Have you signed a reservation agreement?

Yes

A reservation agreement is typically signed by the purchaser at the start of the process.

Gross purchase price in EUROS

This is the amount listed on your reservation contract, inclusive of tax (VAT/TVA.)

Who pays the VAT?

Your leaseback sales agent should be able to tell you whether you are required to pay the tax (VAT/TVA) upfront or whether the developer will pay this on your behalf.

Estimated future monthly rental income in EUROS

This amount should be available from your sales agent or on the “bail commercial” if already signed. This is an important input into the debt to revenue ratio calculation that is required for all French banks. Please provide this amount exclusive of tax (VAT/TVA.)

Name of your leaseback program

City

Postal code

When will the keys to your property be delivered?

Defer mortgage payments during construction?

As you will typically receive no rental income until the property is delivered, some mortgage products allow you to defer payment of some or all of the regular repayments during construction. Note that taking this option will increase future rental payments to include repayment of the accrued interest.

If YES, defer mortgage payments for how long?

Amount of mortgage desired in EUROS

Please note if you have an approximate figure in mind. If you are not sure, please use the comments section on the final tab to note the questions you may have.

Maximum cash available in EUROS

Amount of cash you prefer to apply in EUROS

Please note here your preferred amount of cash to use for the down payment and closing costs.

Length of mortgage desired

Please note if you have a preferred duration in mind for your mortgage.

Preferred loan type

Preferred interest rate type

Insurance Information

Are you a smoker?

No Yes

This information is used to determine whether you are likely to qualify for the life insurance required for a French mortgage.

Health comments

This information is used to determine whether you are likely to qualify for the life insurance required for a French mortgage.

Coborrower Insurance Information

Are you a smoker?

No Yes

This information is used to determine whether you are likely to qualify for the life insurance required for a French mortgage.

Coborrower Health comments

This information is used to determine whether you are likely to qualify for the life insurance required for a French mortgage.

Additional Information

Additional comments

Please add any notes that you feel are relevant to your application.

How did you learn about France Home Finance? *

Submit

Click the submit button to send the information entered to France Home Finance.

A dossier number will be provided on successful receipt of your information.

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