Buying property in France: How it really works
Buying real estate in France is very different from Taiwan. The process is highly regulated, slower, but also legally secure if done correctly.
Typical steps:
Buy Property in France with Confidence
Trusted Local Agents for International Chinese-Speaking Buyers
We help Chinese-speaking buyers navigate the French real estate market and connect with trusted local agents: clearly, legally, and efficiently.
We work exclusively with buyers who have a defined budget and timeline.
After an initial qualification, we connect you with a trusted local French real estate agent.
Co-founded by Florian (France) & Erika (Taiwan), bridging local expertise and cultural understanding
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Summary:
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1Property visit (in person or remote)You can visit in person or view remotely, depending on your availability.
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2Submitting a Written OfferAll offers must be submitted in writing. Once the seller accepts, the transaction moves to the next step.
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3Signing the Preliminary Contract (Compromis de Vente)This is a legally binding pre-contract. After signing, the buyer has a 10-day cooling-off period, during which they can withdraw without penalty.
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4Financing finalizationIf a mortgage is required, this time is used for bank approval and preparing funds. The notary also checks property documents and ensures everything is in order.
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5Signing the Final Deed (Acte Authentique)The notary oversees the signing of the official contract. After payment of the remaining funds, ownership is legally transferred.
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6Registration and Post-Sale DocumentationThe notary registers the property with the land registry, confirming the buyer as the legal owner.
📌 Important: The notary is mandatory and represents the State — not the buyer or seller. The above steps and timeline are for reference only. Every buyer’s situation may differ, and it’s recommended to consult a professional agent or notary before proceeding.
Can foreign buyers get a mortgage in France?
Foreigners can apply for mortgages in France, but the requirements are stricter than for local residents, usually requiring a higher down payment and complete financial documentation.
In general:
- 30–40% down payment required
- Stable overseas income accepted
- Bank review time is relatively long
- French banks are conservative but predictable
- Mortgage duration usually 15–25 years
What helps:
- Clean income documentation
- International profile (Gold Card, overseas employment, assets)
- Local agent who knows which banks accept foreign buyers
💡 Many failed purchases happen simply because buyers talk to the wrong bank.
Taxes and fees you must budget
Taxes are involved both when buying a property and during the holding period, including:
Upfront costs:
- Notary fees: Approximately 7–8% for existing properties, and 2–3% for new properties (These include taxes, registration fees, and administrative costs.)
- Agent fees (usually included in listed price)
Ongoing costs:
- Property tax (Taxe Foncière)
- Rental income tax (if applicable)
- Capital gains tax when selling
📌 France is generally transparent with property taxes and fees — but misunderstandings can be costly.
Mistakes we see too often
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Buying based only on photos
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Underestimating the overall cost of purchasing a home
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Ignoring building regulations (PLU)
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Overestimating rental yields (Investment)
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Choosing agents who don’t speak English or Mandarin well
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Not understanding co-ownership rules (Copropriété)
⚠️ Many “cheap deals” are cheap for a reason.
Why you should work with a local french agent
French real estate agents are regulated professionals responsible for:
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Knows real transaction prices (not just listings)
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Protects you legally
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Negotiates realistically
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Coordinates with notaries and banks
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Saves you months of stress
For overseas buyers, finding a reliable real estate agent who can communicate clearly is key.
Meet our trusted Mandarin-speaking partners in France
We introduce you to the most suitable agent based on budget, location, and timeline.
Pi-Hsia Hung
Licensed real estate agent SIREN No. 515 320 307
Hi! I’m Pi-Hsia Hung, born in Tainan and living in southern France for twenty years. I’m a licensed real estate agent, specializing in estate investment and property planning across southern France, deeply rooted in Provence, helping collectors and buyers find their ideal homes. I’m also a sworn court translator, a licensed travel planner, and hold a PhD in French language.
I offer a “Live, Travel & Invest in Southern France” service for anyone who loves French culture and the region’s relaxed lifestyle. I work closely with each client, from understanding your needs and budget to helping you find the right properties. You can view homes via video or virtual tours, and if you’d like to visit in person, I can also arrange local transportation and travel support during your stay.
I guide you through negotiations, signing contracts, and loan applications, providing full Chinese interpretation along the way. I can also assist with move-in, property management, and legal questions afterward, giving you support throughout the process so you can settle into life in southern France comfortably.
Why Trust Taiwan Housing?
Taiwan Housing is not a real estate agency. Our role is:
- Assisting Chinese-speaking buyers in understanding the French home-buying system
- Connecting them with local real estate agents after confirming budgets and timelines
- Avoiding unsuitable cases that waste each other's time
Founded by a French entrepreneur and a Taiwanese co-founder, long-term residents abroad bridging local expertise and cultural understanding.
Our goal is to help Taiwanese and Chinese buyers enter the market more safely.
Ready to get started?
Please fill in your basic information, and we will introduce you to a reliable local real estate agent in France. Once the details are confirmed, the agent will personally plan your private viewing itinerary.
⏱ Takes less than 2 minutes — no obligation
Frequently Asked Questions
Foreign buyers typically need a valid passport, proof of funds, bank statements, and information about their income and residency status. Depending on whether you buy with cash or financing, additional documents may be required. Our partner agents help you understand the exact requirements and guide you through each step of the French buying process.
Yes. We work with local French real estate agents who can communicate in Mandarin and are experienced in assisting Chinese-speaking clients. This helps avoid misunderstandings and makes the process clearer and more comfortable.
In France, purchasing a property usually takes 3–4 months from offer acceptance to final signing with a notary. Renting is faster and often takes 1–3 weeks, depending on the property and required documents. Your local agent will explain realistic timelines based on your situation.
Yes. Our partner agents assist clients looking for a primary residence, a second home, or an investment property. They are familiar with the specific considerations for foreign buyers, including rental regulations and long-term investment planning.
Yes. Our partner agents are used to working with overseas Chinese-speaking clients and understand common concerns such as legal protection, taxes, financing, and cultural differences. Their role is to help you navigate the French system with clarity and confidence.
Not always. Initial property visits can sometimes be done remotely through video tours, and parts of the process may be handled from abroad. However, certain steps — especially the final signing — may require your presence or a legal power of attorney. Your agent will advise you on what can be done remotely in your specific case.
Yes, foreigners can apply for a mortgage in France, but conditions are stricter than for residents. Banks usually require a higher down payment and detailed financial documentation. Many international buyers choose to purchase with cash, but mortgage options may be possible depending on your profile. Your agent can help you assess feasibility.
Choices depend on lifestyle and goals. Some buyers prioritize major cities like Paris or Lyon for convenience and rental demand, while others prefer quieter regions for quality of life or long-term investment. Your local agent can help you compare areas based on budget, usage, and long-term plans.
Taiwan Housing is not a real estate agency and does not participate in viewings, negotiations, or transactions. Our role is to provide organized information and connect you with local France agents who understand the needs of Taiwanese clients. All viewings and transaction matters are handled professionally by the partner agents.
