Premium Private Loan (France) for Household Staff

Become a homeowner in France or renovate without limits — without touching your investments

Are you a head housekeeper, butler, estate manager, nanny, or personal assistant? Your stable income gives you access to MultiCredit’s high-end private loan to buy in France (main home, second home, or buy-to-let) or to upgrade your current property into a prestige residence — without real-estate collateral and with swift timelines.

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1) Why choose a premium private loan (France)?

Benefit → What it means for you

• Higher borrowing power → Borrow €50,000 to €400,000 depending on your profile.
• Tailored rates → Access to private-bank partners: fixed or variable priced to your risk profile.
• No real-estate collateral → No mortgage on your property; your investment portfolio stays invested.
• Fast disbursement → Funds wired as soon as the statutory withdrawal period ends (where applicable) after e-signature.
• Flexible repayment → Early repayment options (premium terms, contract-dependent).

Subject to approval, document review, and regulatory compliance.

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2) Buying a standout property in France

a) Prime areas to consider

• Paris West & Hauts-de-Seine: 7th, 8th, 16th, Neuilly, Boulogne, Saint-Cloud
• French Riviera: Cap d’Antibes, Cannes/Croisette, Saint-Jean-Cap-Ferrat, Saint-Tropez
• Provence & Luberon: Gordes, Ménerbes, Aix-en-Provence
• Arcachon Bay: Arcachon, Cap Ferret
• Basque Coast: Biarritz, Guéthary, Saint-Jean-de-Luz
• Alps & Great Lakes: Annecy, Chamonix, Megève, Courchevel
• Bordeaux/Lyon: heritage districts with strong fundamentals

b) Plan your acquisition costs (rule of thumb)

• Existing/Resale property: about 7–8% (transfer duties + notary + fees)
• New/Off-plan (VEFA): about 2–3% (excluding optional guarantees)
• Possible extras: surveys, brokerage, furnishing, décor

c) Smart use cases with a private loan

• Top up your down payment to secure an offer at asking price
• Finance fees & furnishing without extending your mortgage
• Speed up completion (funding ready before the preliminary contract)
• “Cash-buyer” alternative on smaller tickets (studio, parking, leisure plot)

d) Tax pointers to discuss with your advisers

• Main residence: interest is generally not tax-deductible in France
• Buy-to-let (real regime): interest can be deductible from rental income if the loan’s use is fully traceable
• Consider furniture depreciation (furnished lets) and separate bank flows for clarity

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3) Premium renovations & prestige extensions

Boost value and comfort:

• Energy performance: insulation, high-spec joinery, heat pump, solar — potential public incentives (eligibility to be checked)
• Wellness & leisure: spa/sauna, gym, infinity pool
• Signature architecture: steel-and-glass atelier, curtain walls, green roofs
• Passion spaces: climate-controlled car gallery, humidity-controlled wine cellar, artist’s studio

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4) MultiCredit’s exclusive advantages

• 360° wealth analysis
  We consider bonuses, 13th month, overtime, in-kind benefits (staff housing, car), investment income.
• Priority Banking access
  Private appointment (in person/online) with a senior adviser dedicated to your case.
• Premium borrower insurance
  Capital-death/PTIA options tailored to high-income profiles.
• Flexibility
  Drawdowns in tranches, term adjustments, early repayments when a bonus comes in.

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5) Eligibility (France profile)

• Net monthly income ≥ €8,000–€10,000 (indicative; case-by-case review)
• Permanent contract or long-term engagement within a private household/estate (or equivalent stability)
• Sound account conduct, no FICP/FCC listing
• Debt-to-income after loan ≤ 35% to preserve savings capacity

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6) A simple 3-step process

Step	Indicative timing	You	We
1. VIP simulation	30 s	Enter income & desired amount	Provide an indicative rate & envelope
2. Secure upload	< 15 min	Payslips, bonuses, tax notice, portfolio statement	Express analysis & compliance
3. E-signature	5 min	Sign on your phone	Wire the funds after the statutory cooling-off period (where applicable)

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7) Pro tips to maximise your strengths

• Leverage variable pay: bonuses, 13th month, overtime, in-kind benefits
• Show stability: include an employer reference letter from the household/family
• Strategic down payment (10–20%): can shave 0.3–0.5 pts off pricing depending on profile
• Don’t liquidate strong positions: use the private loan to avoid taxable disinvestments
• Perfect traceability for rental projects (helps with French tax treatment)
• Align timelines: notary date, contractors’ quotes, permits and funding

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Ready to make it happen in France?

From an apartment in Neuilly to a villa in Cannes or a character home in Gordes, MultiCredit turns your purchasing power into real estate freedom — with no compromise on your investments.
Request your VIP simulation now.

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An article by Munur Aslan, Managing Director — MultiCredit.

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