France 💰 EUR Last updated2026-05-28

Prêt immobilier Calculator France

⚡

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.

🏠

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.

🧮 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.

🌍 Other countries